Cheapest Auto Insurance in Quincy, Massachusetts (2024)
Midvale Home & Auto has the cheapest car insurance in Quincy, with a liability insurance rate of $35 per month.
Excellent
)
Written byA.M. Steinbach
)
Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
Updated October 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Quincy, a Boston suburb, has around 100,000 residents and its fair share of traffic.[1] Drivers in Quincy pay an average of $88 per month for car insurance, which is significantly lower than the national average of $158 per month. Despite the busy Greater Boston roads, Quincy residents pay affordable car insurance rates overall.
Comparing quotes from multiple insurers is the best way to find cheap car insurance in Quincy. Here’s what you need to know about car insurance in Quincy, including finding ways to save on coverage.
Quick Facts
Quincy drivers pay $80 per month for liability insurance and $97 for full-coverage insurance, on average.
Because Massachusetts is a no-fault state, drivers in Quincy must carry personal injury protection (PIP) in addition to the state’s required liability insurance.[2]
Massachusetts doesn’t allow car insurance companies to consider your credit history when determining rates, underwriting policies, or renewing coverage.[3]
3 of the cheapest car insurance companies in Quincy
Quincy drivers can choose from several affordable high-quality car insurance companies. The best car insurance for you depends on your specific needs and driver profile. Rates vary based on your age, driving record, and ZIP code, so it’s smart to shop around.
Here are some of the best car insurance companies for different types of drivers in Quincy. The quotes for these three top insurers reflect statewide average costs in Massachusetts.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Midvale Home & Auto | 3.7 | $129 | $69 | Cheap rates |
| Travelers | 9.0 | $79 | N/A | Full coverage |
| Safeco | 8.3 | $157 | $85 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Midvale Home & Auto
Midvale Home & AutoCompare personalized, real-time quotes
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
Midvale Home & Auto offers the cheapest car insurance in Quincy. Drivers in Quincy can save even more when they take advantage of Midvale’s many discounts, including home and auto bundling, a good student discount, and a “Steer Into Savings” discount for drivers who switch to Midvale from another insurer.
Pros
Lowest rates for liability-only auto insurance in Quincy
Offers gap insurance
Cons
Lower Insurify Quality (IQ) Score than some insurers
Above-average number of complaints filed with the NAIC
Best insurer for full coverage: Travelers
TravelersCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
Travelers offers the lowest average rates for full-coverage policies in Quincy. Full-coverage insurance is a good option for Quincy drivers who are driving a new, high-value vehicle that they would want to repair after a car accident.
A full-coverage auto policy from Travelers includes liability insurance, as well as collision and comprehensive coverage. Policyholders can save on coverage with more than a dozen discounts from Travelers.
Pros
High IQ Score
A++ (Superior) financial strength rating from AM Best
Cons
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study[4]
No rideshare coverage offered in Massachusetts
Read more driver reviews of Travelers
Paul - October 14, 2024
Verified
Insurance and an Unfortunate Situation
I didn't like being forced to use their spyware app.
Rebecca - October 14, 2024
Verified
Travelers
So far, it's great.
Susan - October 14, 2024
Verified
Decent Insurance, But Not the Best
Make sure to read the fine print, especially in case you have an accident. There were things I wasn't aware of. The price is too high for a 2019 vehicle. I found that I can bundle my car and renter's insurance for a better price with another company. So, that's what I plan to do.
…
Best insurer for discounts: Safeco
SafecoCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
Safeco’s average rates in Quincy already start low, but drivers can save even more when they qualify for Safeco’s many discounts. Most discounts are for safe drivers, including RightTrack, a telematics program that saves safe drivers money. You can earn a 10% discount just for enrolling in coverage.
Safeco also rewards you if you go claims-free for six months, sending you a check worth 2.5% of your policy premium. And for each time you renew your policy without a claim, your deductible will decrease.
Pros
Several generous discounts aimed at safe drivers
A (Excellent) financial strength rating from AM Best
Cons
Below-average customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Insurance Study
Limited coverage options
Read more driver reviews of Safeco
William - October 15, 2024
Verified
Not bad at all!
I've never had any issues, but I've also never had to make any claims. Everything was done online, and it was very easy.
Robert - October 14, 2024
Verified
Safeco - The Hidden Insurance Company
Don't expect contact from Safeco. Their contact plan is unclear. However, their financial success is a good reason to consider them as a customer.
William - October 11, 2024
Verified
Good at First Glance
The agent applied a discount to my policy that I wasn't aware of, specifically a 'newer system' discount. The underwriting department then sent me a notice stating that if I couldn't produce an invoice for a complete plumbing system, they would need to remove the discount and charge me for it. I feel the agent did whatever he could to secure new business. The initial savings were great, but the latest renewal quotes and the inability to negotiate replacement costs have been disappointing. The rates from different carriers vary greatly. Auto insurance continues to rise even though car values depreciate. Despite having a clean driving record and using the safe driver app, my rates have not decreased. Both my home and auto insurance increased by more than $1,000 each, which is absolutely ridiculous. Claims are another story. I was treated fairly in a no-fault incident involving a treadmill in the middle of the highway. It was listed as a collision, but I had to argue to get the fault tag removed. I also learned that SAFECO keeps a record of claims tied to the VIN from previous owners, which can affect your premium if the claims were made within the last 5 years. It seems to always be about the bottom line, and we are being priced out of our homes and cars due to insurance alone. As for bundled policies, they feel like entrapment because we are unable to negotiate with other carriers where we might get a better deal.
…
How to get the cheapest car insurance in Quincy
You can save more on auto coverage in Quincy with the following strategies:
Find discounts. Most car insurance companies offer generous discounts. Contact your insurance agent or visit the company’s website if you have questions about which discounts you qualify for.
Choose the right vehicles. Cars with advanced safety features and a strong safety record often cost less to insure.
Raise your deductible. A higher deductible typically means you’ll have lower monthly premiums — though you’ll have to pay higher out-of-pocket costs in the event of a claim.
Bundle policies. Purchasing car insurance and homeowners insurance from the same company is an easy way to qualify for discounts and save money.
Shop around. Whether you’re researching online or working with an independent insurance agency, comparing quotes from multiple different companies lets you compare rates side by side and find the best price.[5]
Find Cheap Car Insurance in Quincy, MA
Liability insurance starts at $35 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Quincy: Midvale Home & Auto
If you cause a car accident, liability insurance covers the other driver’s vehicle repairs and medical bills. It doesn’t cover your own vehicle repairs. Midvale Home & Auto offers the cheapest liability-only policies in Quincy, at $35 per month.
The table below lists the cheapest liability-only coverage options in Quincy.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $35 |
| Safeco | $43 |
| Liberty Mutual | $65 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Quincy: Midvale Home & Auto
Full-coverage automobile insurance includes liability insurance, as well as collision coverage and comprehensive coverage. A full-coverage policy covers the other driver’s damages as well as your vehicle’s damages. Full coverage might be the right policy for drivers of high-value vehicles or financed vehicles.
Quincy drivers can find the cheapest full-coverage insurance with Midvale Home & Auto, with rates of $57 per month.
Here are the cheapest car insurance companies in Quincy for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $57 |
| Safeco | $76 |
| Liberty Mutual | $149 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Quincy, Massachusetts
Recent Quincy, Massachusetts car insurance prices for Dodge, Honda, Toyota , and more.
*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Massachusetts
Massachusetts drivers must carry a minimum amount of auto insurance. Drivers must carry bodily injury liability insurance, property damage liability insurance, and uninsured motorist coverage that meets minimum limits.
Massachusetts is a no-fault state, which is why drivers must also carry personal injury protection (PIP). A no-fault state requires both drivers in an accident to file any injury claims through their insurance, regardless of fault. PIP covers your own medical bills in the event of an accident.
Here are the specific coverage limits required in Massachusetts:[6]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $5,000 per person |
| Personal injury protection | $8,000 per person, per accident |
| Uninsured motorist bodily injury coverage | $20,000 per person / $40,000 per accident |
If you want some additional coverage, you can add the following optional coverages to your car insurance policy:
Collision coverage
If you have an accident or collide with another object, collision insurance covers your vehicle repair or replacement costs.
Comprehensive coverage
Comprehensive insurance covers vehicle damage from non-collision incidents, including severe weather, theft, vandalism, and more.
Gap coverage
If you total a financed car and the remaining balance on your auto loan is higher than your car’s market value, gap insurance covers the difference.
Roadside assistance coverage
Roadside assistance covers services you may need while on the road, like a flat tire change or towing.
Accident forgiveness coverage
With accident forgiveness coverage, some insurers allow you to waive your first accident, guaranteeing your premium won’t go up after this first claim.
Cheapest car insurance for drivers with an incident
Drivers with an incident on their record, such as a speeding ticket, driving under the influence charge, or at-fault accident, often deal with higher rates. Car insurers see these drivers as a greater risk for future claims and charge them higher monthly premiums to offset the likelihood of a claim.
Massachusetts has a points-based system, the Safe Driver Insurance Plan (SDIP), that can increase the cost of coverage for drivers with past incidents and decrease costs for good drivers.[7]
Here are the cheapest car insurance companies in Quincy for drivers with different types of incidents on their driving records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Safeco | $43 | $51 | $57 | $57 |
| Liberty Mutual | $65 | $82 | $94 | $87 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Quincy, MA
Insurify partners with 100+ top insurers for quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance by age
Your age is one of the most important rating factors that car insurance companies consider when determining your rates. Generally, teens pay the highest car insurance rates due to a lack of driving experience and a higher likelihood of having a serious accident.
Luckily, drivers see better rates that decrease with age between 35 and 70. Then, rates increase slightly for senior drivers older than 70 due to aging-related risk factors.
The table below shows the average monthly quote in Quincy for different age groups.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $166 |
| 20s | $206 |
| 30s | $192 |
| 40s | $163 |
| 50s | $122 |
| 60s | $85 |
| 70s | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quincy car insurance FAQs
Before shopping around for car insurance, you should determine the amount you need. The following information should help you navigate finding cheap car insurance in Quincy.
How much is car insurance in Quincy?
The overall cost of car insurance in Quincy is $88 per month. Drivers in Quincy pay $80 per month for liability coverage and $97 for full coverage, on average. Your specific driving record, age, and chosen coverage all influence how much you pay for car insurance.
Who has the cheapest car insurance in Quincy?
With a liability rate of $35 per month, Midvale Home & Auto is the cheapest car insurance company in Quincy. The second-cheapest car insurer in Quincy, Safeco, has a monthly liability coverage rate of $43. Liberty Mutual also offers cheap liability coverage, with a monthly premium of $65. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Quincy?
With a high IQ Score of 9.0 out of 5, an A++ (Superior) financial strength rating from AM Best, and more than a dozen discounts, Travelers is the best car insurance company in Quincy. Other top insurers include Safeco and Midvale Home & Auto.
Does your credit score affect car insurance rates in Quincy?
No. Massachusetts prohibits car insurance companies from using credit scores to determine rates, underwrite policies, or decide whether to renew coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Massachusetts
Sources
- United States Census Bureau. "QuickFacts Quincy city, Massachusetts."
- Massachusetts Division of Insurance. "Basics of Auto Insurance."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Massachusetts Office of the Attorney General. "Understanding Auto Insurance."
- Massachusetts Registry of Motor Vehicles. "Safe Driver Insurance Plan (SDIP)."
)
A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
)
)
)
)
)
)