Best Quincy, MA Auto Insurance in 2024 (Top 10 Companies Ranked)
State Farm, Progressive, and Allstate offer the best Quincy, MA auto insurance with competitive rates starting at $98 monthly. They stand out for their reliable customer service, customizable coverage options, and generous discounts, making them top choices for drivers in the area.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Nov 24, 2024
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Full Coverage in Quincy MA
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Full Coverage in Quincy MA
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11,413 reviewsCompany Facts
Full Coverage in Quincy MA
A.M. Best Rating
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11,413 reviews
The best Quincy, MA, auto insurance providers are State Farm, Progressive, and Allstate. State Farm offers the most affordable rates, starting at $98 per month. These companies excel in balancing price, coverage, and customer service.
State Farm leads for budget-conscious drivers, while Progressive and Allstate provide solid options for tailored policies. Each stands out for unique discounts and reliable claims handling.
Our Top 10 Company Picks: Best Quincy, MA Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Local Agent State Farm
#2 10% A+ Competitive Rates Progressive
#3 25% A+ Local Discounts Allstate
#4 25% A++ Customer Service Geico
#5 25% A Customizable Coverage Liberty Mutual
#6 20% A Specialized Coverage Farmers
#7 13% A++ Claims Handling Travelers
#8 25% A Personalized Service The Hanover
#9 12% A High-Value Vehicles AIG
#10 20% A+ Local Businesses Nationwide
This table compares the top Quincy, MA, auto insurance providers, highlighting critical factors like coverage options, rates, and customer satisfaction. It offers a clear view of how State Farm, Progressive, and Allstate compare, helping you decide on the best coverage for your needs.
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- State Farm offers the most affordable rates for Quincy, MA drivers
- Progressive and Allstate provide excellent coverage options for different needs
- State Farm is the top pick overall for cost-effective and reliable auto insurance
#1 – State Farm – Best for Affordable Rates
Pros
- Affordable Rates: State Farm provides competitive pricing for the best Quincy, MA auto insurance, balancing cost and quality coverage effectively.
- Local Agents: With knowledgeable agents in Quincy, MA, State Farm delivers personalized service tailored to local drivers’ needs.
- Strong Customer Service: Recognized for reliable support, State Farm is a trusted provider of Quincy, MA auto insurance.
Cons
- Fewer Discounts: While offering some discounts, State Farm lacks the variety of savings options compared to other Quincy, MA auto insurance providers.
- Claims Delays: Some customers report slower claims resolution, which could hinder access to top-tier Quincy, MA auto insurance assistance during accidents.
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#2 – Progressive – Best for Customizable Coverage
Pros
- Usage-Based Discounts: Progressive offers innovative savings programs like Snapshot for the best Quincy, MA auto insurance based on driving habits.
- Comprehensive Online Tools: Their digital platform simplifies managing Quincy, MA auto insurance policies and claims.
- Wide Range of Coverage: Flexible options make Progressive a solid choice for Quincy, MA auto insurance tailored to diverse needs.
Cons
- Higher Rates for Some Drivers: Premiums for high-risk drivers can be more expensive compared to other Quincy, MA auto insurance providers.
- Service Variability: Customer experiences with Progressive’s Quincy, MA auto insurance service may vary depending on location and agents.
#3 – Allstate – Best for Bundling Options
Pros
- Extensive Discount Programs: Allstate offers multiple savings opportunities for the best Quincy, MA auto insurance.
- Customizable Policies: With numerous add-ons, Allstate enables tailored Quincy, MA auto insurance coverage.
- Reliable Claims Support: Many customers praise their prompt assistance for claims in Quincy, MA auto insurance incidents.
Cons
- Above-Average Rates: Allstate’s Quincy, MA auto insurance policies tend to be pricier than some competitors.
- Mobile App Issues: While offering digital tools, some users report issues with Allstate’s app functionality in managing Quincy, MA auto insurance.
#4 – Geico – Best for Discount Opportunities
Pros
- Low Premiums: Geico is known for offering some of the most affordable Quincy, MA auto insurance rates.
- Efficient Online Tools: Their intuitive app and website make managing Quincy, MA auto insurance seamless.
- Nationwide Reach: Geico’s broad presence ensures consistent Quincy, MA auto insurance service wherever you travel.
Cons
- Limited Local Agents: With fewer in-person options, Geico may not suit Quincy, MA drivers seeking hands-on support.
- Basic Coverage Options: Geico’s Quincy, MA auto insurance may lack the customization available with other providers.
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#5 – Liberty Mutual – Best for Custom Coverage
Pros
- Local Expertise: Based in Massachusetts, Liberty Mutual offers insights tailored to Quincy, MA auto insurance needs.
- Bundling Discounts: Combining home and auto policies can unlock savings for Quincy, MA auto insurance customers.
- Roadside Assistance: Comprehensive coverage includes valuable add-ons like 24/7 roadside service for drivers in Quincy, MA.
Cons
- Higher Premiums: Liberty Mutual’s Quincy, MA, auto insurance rates can be higher than other providers.
- Mixed Reviews on Claims: Some customers express dissatisfaction with the claims process for Quincy, MA, auto insurance incidents.
#6 – Farmers – Best for PliantCoverage
Pros
- Custom Coverage Options: Farmers offers a range of customizable plans for Quincy, MA, auto insurance.
- Vital Customer Education: Local agents focus on educating Quincy, MA, drivers about coverage options and benefits.
- Discount Opportunities: Farmers provides savings on Quincy, MA auto insurance through multiple discount programs.
Cons
- Limited Availability: Farmers may not have as many agents or services in Quincy, MA, as larger providers.
- Higher Minimum Coverage Costs: Quincy, MA drivers may find Farmers’ basic policies less competitive in price.
#7 – Travelers – Best for Comprehensive Coverage Options
Pros
- Comprehensive Coverage: Travelers offers robust options for Quincy, MA auto insurance to suit diverse needs.
- Accident Forgiveness: Policyholders benefit from features like accident forgiveness for Quincy, MA drivers.
- Highly Rated App: The Travelers app simplifies policy management for Quincy, MA auto insurance customers.
Cons
- Limited Local Presence: Travelers’ Quincy, MA auto insurance services may lack strong in-person support.
- Pricing Transparency Issues: Some drivers find Travelers’ Quincy, MA auto insurance rates less straightforward to compare.
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#8 – Hanover – Best for High-Net-Worth Drivers
Pros
- Regional Expertise: Hanover specializes in local coverage, making them a strong choice for Quincy, MA auto insurance.
- Policy Bundles: Combining policies with Hanover can maximize savings for Quincy, MA drivers.
- Personalized Service: Hanover’s local agents provide attentive support for Quincy, MA auto insurance customers.
Cons
- Higher Premiums: Hanover’s Quincy, MA auto insurance policies may cost more than competitors.
- Fewer Digital Tools: Limited online options may not meet expectations for managing Quincy, MA auto insurance.
#9 – AIG – Best for High-Value Insurance
Pros
- High-End Coverage: AIG specializes in tailored Quincy, MA auto insurance plans for luxury or specialty vehicles.
- Global Reach: Ideal for frequent travelers, AIG ensures Quincy, MA drivers have international coverage options.
- Comprehensive Policies: AIG offers extensive coverage that goes beyond standard Quincy, MA auto insurance.
Cons
- Premium Prices: AIG’s Quincy, MA auto insurance is often more expensive, focusing on premium clientele.
- Not Ideal for Basic Needs: Standard drivers may find AIG’s Quincy, MA auto insurance offerings excessive for everyday coverage.
#10 – Nationwide – Best for Smart Vehicle Coverage
Pros
- On Your Side Review: Nationwide’s free coverage review helps optimize Quincy, MA auto insurance policies.
- Vanishing Deductible: This feature reduces costs over time for safe Quincy, MA, drivers.
- Strong Digital Features: Their app and website enhance the customer experience for Quincy, MA, auto insurance users.
Cons
- Limited Agent Availability: Some Quincy, MA drivers may find fewer in-person support options.
- Higher Rates for Young Drivers: Nationwide’s Quincy, MA auto insurance policies can be costly for younger drivers.
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Affordable Auto Insurance Rates in Quincy, MA
Finding affordable auto insurance in Quincy, MA doesn’t have to be complicated. With the right provider and coverage, you can secure a policy that fits your budget while protecting what matters most.
Quincy, MA Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$42 $118
$38 $112
$37 $109
$32 $98
$39 $115
$33 $100
$34 $105
$36 $110
$35 $104
$40 $116
Get the coverage you need at a price that works for you. Compare your options today and drive with confidence in Quincy, MA.
Top Auto Insurance Discounts in Quincy, MA
Finding affordable auto insurance in Quincy, MA, doesn’t have to be a challenge. Top providers offer various discounts to help you save while maintaining excellent coverage.
Auto Insurance Discounts From the Top Providers in Quincy, MA
Insurance Company Available Discounts
Personal Auto Discount, Multi-Policy Discount, Claims-Free Discount, Safety Features Discount
Safe Driving Bonus, New Car Discount, Early Signing Discount, Multi-Policy Discount
Multi-Policy Discount, Good Student Discount, Smart Driver Discount, Homeowner Discount
Good Driver Discount, Military Discount, Multi-Vehicle Discount, Emergency Deployment Discount
Multi-Policy Discount, Vehicle Safety Features Discount, Claims-Free Discount, New Car Discount
SmartRide Program, Family Plan Discount, Accident-Free Discount, Multi-Policy Discount
Snapshot Program, Multi-Car Discount, Continuous Insurance Discount, Homeowner Discount
Drive Safe & Save, Good Student Discount, Multi-Car Discount, Anti-Theft Device Discount
Multi-Policy Discount, Accident-Free Discount, Good Student Discount, Claims-Free Discount
Multi-Policy Discount, Safe Driver Discount, Continuous Insurance Discount, Hybrid Vehicle Discount
Take advantage of these discounts to lower your Quincy, MA auto insurance costs. Compare providers today to unlock the best savings for your needs.
Quincy, MA, drivers have access to various auto insurance discounts offered by top providers, making it easier to save without compromising on coverage. Common savings include multi-policy bundling, good driver discounts, and reduced rates for vehicles with advanced safety features.
Annual Claim Trends in Quincy, Massachusetts
The table compares coverage options offered by various insurance companies. It highlights key features such as liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). Use this overview to identify which provider best meets your coverage needs.
Massachusetts Accidents & Claims per Year by Quincy, MA
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Quincy, MA | 1,245 | 680 |
This data helps illustrate the frequency of claims and the types of coverage offered, allowing for a clearer understanding of insurance trends in the region.
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Auto Insurance Coverage Requirements in Massachusetts
In Massachusetts, auto insurance coverage requirements ensure that drivers are financially protected in the event of an accident. The state mandates a minimum of $20,000 for bodily injury to one person, $40,000 for bodily injury to multiple people, and $5,000 for property damage. Additionally, drivers must carry $8,000 in personal injury protection and uninsured/underinsured motorist coverage.
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 20,000/40,000 | 100,000/300,000 |
| Property Damage Liability | 5,000 | 50,000 |
| Uninsured Motorist Bodily Injury | 20,000/40,000 | 100,000/300,000 |
| Medical Payments | Not required | 10,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 250 deductible |
Insurance companies offer various plans that may include comprehensive and collision coverage, but these additional coverages are optional. The table compares these requirements across several leading providers in the state, highlighting the coverage limits and the benefits each company offers.
Running a quick errand with your child? Not so fast. It’s critical to take EVERY precaution to prevent child hot car deaths. pic.twitter.com/UqYKcePHNs
— nhtsagov (@NHTSAgov) June 4, 2024
These requirements ensure drivers comply with state laws while offering essential protection in case of an accident.
Massachusetts Auto Insurance Premiums Compare
Massachusetts drivers face average auto insurance premiums influenced by location, driving history, and coverage levels. Urban areas like Boston tend to have higher rates due to increased traffic and accident risks, while smaller towns often enjoy lower costs.
Massachusetts Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risk | A | Minimal risk of extreme weather events. |
| Uninsured Drivers Rate | A | Low percentage of uninsured drivers. |
| Vehicle Theft Rate | B | Slightly below the national average. |
| Traffic Density | B | Moderate traffic during peak hours. |
| Average Claim Size | C | Higher-than-average claim sizes reported. |
Discounts for good drivers, bundled policies, and vehicles with safety features can help reduce premiums. By comparing options, Massachusetts residents can find affordable rates that meet their coverage needs.
Auto Insurance Coverage Requirements in Massachusetts
| Coverage Type | Minimum Requirement | Most Common |
|---|---|---|
| Bodily Injury Liability | $20,000/$40,000 | $100,000/$300,000 |
| Property Damage Liability | $5,000 | $50,000 |
| Uninsured Motorist | $20,000/$40,000 | $100,000/$300,000 |
| Medical Payments (MedPay) | Not Required | $5,000 |
| Collision | Not Required | $500 Deductible |
| Comprehensive | Not Required | $250 Deductible |
The table provides a detailed comparison of auto insurance premiums across various Massachusetts locations, highlighting differences based on factors like provider and coverage level. It serves as a quick reference for drivers evaluating costs and finding affordable options tailored to their area.
State Farm stands out as the best choice for Quincy, MA auto insurance, offering a perfect balance of affordability, coverage, and reliable customer service.
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By analyzing the data, Massachusetts residents can make informed decisions to secure affordable and adequate auto insurance coverage tailored to their needs.
Major Factors in Cheap Car Insurance in Quincy, Massachusetts
Did you know that the factors below could make up as much as 62 percent of your total monthly premium? Pay careful attention as we go down the list.
Not all of the things below are very easy to change right away; but with a little bit of effort, you can change your circumstances enough to get better Quincy, MA auto insurance rates.
Your Driving Record
The better of a driver you are, the easier it will be to get an affordable rate your car insurance premiums. Since a clean driving record tells your insurance company that you are less likely to get into an accident, they will reward you for your caution behind the wheel with a better monthly rate.
People with accidents or tickets within their most recent 5 years of driving or less will get charged more at first. But the longer you can go without getting a new ticket or another accident, the easier it will be to eventually get a safe driver discount