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.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • 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.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • 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.

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Updated July 18, 2024

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Cheapest recent rates near Quincy, Massachusetts

Drivers using Insurify have found quotes as cheap as $68/mo for liability only and $114/mo for full coverage in Quincy and other Massachusetts cities.

*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on July 18, 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 July 18, 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 July 18, 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $160 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 CompanyIQ 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 CoverageLiability OnlyBest For
Midvale Home & Auto3.7$114$69Cheap rates
Travelers9.0$79N/AFull coverage
Safeco8.3$152$85Discounts
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

Compare 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

Compare personalized, real-time quotes
User Reviews
3.5
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.
$90/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.
$196/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
Laura - July 15, 2024
Verified

Travelers Rocks

They are very helpful and no one has been able to match what I pay. I'm an excellent driver with a perfect driving record and only drive less than 5000 miles a year. I love the discounts they offer me. I've had no bad experiences with them.

Drake - July 15, 2024
Verified

Average

Too expensive.

Douglas - July 15, 2024
Verified

Other Than Price, A Good Company

It's very, very, very expensive. Almost double most other companies.

Best insurer for discounts: Safeco

Compare 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
Vicki - July 18, 2024
Verified

Easy, Professional, and Knowledgeable

Great!

Albert - July 17, 2024
Verified

Increase in Rates

The rates have increased and I would have preferred to receive notifications sooner.

Gregory - July 16, 2024
Verified

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.

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

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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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage 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

Drivers using Insurify have found quotes as cheap as $68/mo for liability only and $114/mo for full coverage in Quincy and other Massachusetts cities.

*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on July 18, 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 July 18, 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 July 18, 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 July 18, 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have an accident or collide with another object, collision insurance covers your vehicle repair or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle damage from non-collision incidents, including severe weather, theft, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance covers services you may need while on the road, like a flat tire change or towing.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Midvale Home & Auto$35$42$50$50
Safeco$43$50$56$61
Liberty Mutual$65$82$95$92
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

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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.

AgeAverage 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. United States Census Bureau. "QuickFacts Quincy city, Massachusetts."
  2. Massachusetts Division of Insurance. "Basics of Auto Insurance."
  3. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
  4. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  6. Massachusetts Office of the Attorney General. "Understanding Auto Insurance."
  7. Massachusetts Registry of Motor Vehicles. "Safe Driver Insurance Plan (SDIP)."
A.M. Steinbach
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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

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