Car insurance in Quincy costs an average of $708 for a six-month policy ($118/month). That's above the Massachusetts state average of $594 but notably below the national average of $1,019. GEICO and Norfolk & Dedham offer the most competitive full coverage rates in the area. Quincy is also home to Quincy Mutual Group, a local insurer that consistently offers competitive rates for city residents.
- Average 6-month full coverage premium in Quincy: $708
- Cheapest insurer: GEICO at approximately $534/6 months
- Quincy rates are about 19% higher than the Massachusetts state average
- Massachusetts is a no-fault state — PIP coverage is mandatory
- Local advantage: Quincy Mutual Group is based in the city and often offers competitive rates
Quincy Car Insurance Rates by Company
Quincy's location on Boston's South Shore — directly connected by the MBTA Red Line and bordered by Boston to the north — makes it a suburban city with urban driving patterns. Commuter traffic on Route 3A, the Quincy Adams interchange, and I-93 raises the accident frequency enough to push rates above the state average. Here's how the major insurers compare:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO Cheapest | $534 | $89 |
| Norfolk & Dedham | $558 | $93 |
| USAA (military only) | $510 | $85 |
| Plymouth Rock | $760 | $127 |
| Quincy Mutual | $702 | $117 |
| Amica | $708 | $118 |
| Allstate | $1,180 | $197 |
Quincy Mutual Group is headquartered right here in Quincy and has been insuring Massachusetts drivers since 1851. Being a local mutual company means they don't answer to Wall Street shareholders — profits stay in the company to benefit policyholders. Many Quincy residents find their rates competitive, especially for long-term customers with clean records.
Average Car Insurance Cost in Quincy
Here's where Quincy stands relative to state and national benchmarks:
| Location | Avg. 6-Month Premium | Avg. Monthly Cost |
|---|---|---|
| Quincy, MA | $708 | $118 |
| Massachusetts Average | $594 | $99 |
| National Average | $1,019 | $170 |
Factors Affecting Quincy Car Insurance Rates
Quincy is one of the more affordable cities in Greater Boston for car insurance, but several local factors still push rates above the state average:
Commuter Traffic Patterns
Quincy is a major commuter hub for Boston. The Quincy Center, Quincy Adams, and Braintree Red Line stations funnel tens of thousands of commuters through the city daily. Despite transit options, many residents still drive — generating heavy traffic on Route 3, Route 3A, and I-93. More traffic means more accidents, which insurers factor into every local premium.
No-Fault Insurance and PIP
Like all Massachusetts drivers, Quincy residents must carry Personal Injury Protection (PIP). As a no-fault state, Massachusetts requires your own insurance to cover your medical bills after an accident regardless of fault. The mandatory PIP minimum is $8,000 — enough for minor injuries but potentially insufficient for serious accidents.
Parking and Urban Density
Quincy Center and the downtown area have dense parking situations where fender benders and minor parking lot incidents are common. These low-severity but frequent claims contribute to higher comprehensive and collision premiums compared to rural areas.
Quincy's coastal location and New England winters create real winter driving hazards. Black ice is common on elevated sections of I-93 and Quincy Shore Drive between December and March. Collision claims spike in winter months, and insurers account for this in Massachusetts urban area pricing.
How to Get Cheap Car Insurance in Quincy
Get a Quote from Quincy Mutual
As Quincy's hometown insurer, Quincy Mutual Group should be on every local driver's comparison list. Their rates are often competitive for long-term Quincy residents, and as a mutual company, they tend to have strong customer service scores in Massachusetts.
Compare Regional Insurers
Norfolk & Dedham, Amica, Arbella, and Safety Insurance are New England-based carriers that regularly undercut national brands in Quincy. They understand the local market and are often more responsive after a claim.
Work With an Independent Agent
Quincy has several strong independent agencies — McDonald Insurance, Marchionne Insurance, and Imaginative Insurance can each shop your coverage across multiple carriers. One conversation with an independent agent can surface options you'd miss shopping direct.
Ask About the Massachusetts Safe Driver Program
Massachusetts uses a merit-based Safe Driver Insurance Plan (SDIP). Your safe driver rating directly affects your premium — each year without violations or at-fault accidents can reduce your cost. Ask your insurer what your current SDIP rating is and how to improve it.
Bundle Home and Auto
If you own or rent in Quincy, bundling home or renters insurance with your auto policy typically saves 10-15%. Most carriers writing both lines will offer automatic bundle discounts.
Massachusetts Minimum Insurance Requirements
Massachusetts updated its minimum coverage requirements on July 1, 2025. All Quincy drivers must carry:
| Coverage Type | Massachusetts Minimum | Recommended |
|---|---|---|
| Bodily Injury to Others (per person) | $25,000 | $100,000 |
| Bodily Injury to Others (per accident) | $50,000 | $300,000 |
| Property Damage | $30,000 | $100,000 |
| Personal Injury Protection (PIP) | $8,000 | $25,000+ |
| Uninsured Motorist (per person) | $25,000 | $100,000 |
| Uninsured Motorist (per accident) | $50,000 | $300,000 |
Massachusetts increased its minimum bodily injury coverage to $25,000/$50,000 effective July 1, 2025 (up from $20,000/$40,000). All policies renewing after that date must meet the new minimums. If you renewed before July 2025 and haven't changed your policy, verify your limits are compliant at your next renewal.
Top Insurance Agents in Quincy
Quincy has a strong insurance community, with both local independent agencies and national carriers serving city residents. Independent agencies are particularly valuable in Massachusetts — they can compare rates across multiple carriers, including regional insurers that often aren't available through direct-to-consumer websites.
Frequently Asked Questions
GEICO offers the lowest average rates in Quincy at approximately $534 for six months of full coverage. Norfolk & Dedham and Quincy Mutual Group are also competitive options, particularly for drivers with clean records. Because rates vary significantly by driver profile, comparing quotes from at least three to four insurers — including regional carriers — is essential to finding your best price.
Quincy Mutual Group is a property and casualty insurance company headquartered in Quincy, Massachusetts. Founded in 1851, it's one of the oldest insurers in the region. As a mutual company, it's owned by its policyholders rather than outside shareholders. Quincy Mutual often offers competitive rates for local homeowners and drivers, especially for long-term customers bundling home and auto coverage.
Yes. Massachusetts is a no-fault state, which means your own Personal Injury Protection (PIP) coverage pays for your medical expenses after an accident — regardless of who caused it. PIP coverage of at least $8,000 is mandatory. You can still pursue a claim against an at-fault driver for serious injuries that exceed the PIP threshold.
Quincy typically runs about 10-20% cheaper than Boston for equivalent coverage. Boston's rates are pushed higher by greater traffic density, more vehicle theft, and a higher concentration of uninsured drivers. Quincy shares some of these characteristics but benefits from slightly lower density and proximity to suburban South Shore areas that moderate overall risk.
No. State Farm is not currently accepting new auto insurance customers in Massachusetts. They continue to service existing policyholders but are not writing new business in the state. GEICO, Plymouth Rock, Amica, and Quincy Mutual are all actively writing new policies for Quincy residents in 2026.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.