Allstate vs. Quincy Mutual Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Allstate offers more affordable premiums than Quincy Mutual Group
• Allstate offers more affordable rates for drivers who have less-than-stellar credit
• Quincy Mutual Group offers more affordable premiums for residents in Massachusetts and Rhode Island

Allstate vs. Quincy Mutual Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Allstate or Quincy Mutual Group as your top options, but between the two, which one will offer you less expensive rates?

Looking at nationwide averages, Quincy Mutual Group is about $38 more per month than Allstate.

That being said, Allstate may not be the cheapest or best option for each driver out there. Insurance companies use a ton of complex algorithms to calculate prices, so depending on how old you are or how good your credit score is (among a whole bunch of other factors), you could see wildly different rates from the ones above.

Wanting to know if Allstate or Quincy Mutual Group is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate or Quincy Mutual Group: Average Car Insurance Rates by State

Allstate and Quincy Mutual Group only compete against each other in two states, with Quincy Mutual Group offering cheaper premiums to the average driver in all of them. If you live in Rhode Island, Allstate is the more affordable of the two carriers when looking at the overall average prices. Quincy Mutual Group is the cheaper option in Massachusetts.

There's a lot more that goes into your car insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of more than $60 less a month by choosing Allstate over Quincy Mutual Group. It's worth noting that Allstate offers auto insurance in 47 different states compared to Quincy Mutual Group's two, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will drop rates by the time drivers turn 25. For example, average premiums for Allstate policyholders reduce nearly 65% and Quincy Mutual Group's prices decrease almost 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable car insurance rates you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase prices.

When looking at Allstate and Quincy Mutual Group specifically, which carrier is best for retired drivers? Allstate gets the slight edge, with rates for drivers 65 and older $16 less expensive than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more affordable for married couples than they are for those who are single? That's typically because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Allstate is the clear winner for single policyholders, with prices around $42 per month less expensive than Quincy Mutual Group, on average. The advantage for married drivers with Allstate is also obvious, where drivers save nearly 20% a month.

Allstate vs. Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will generally end up paying a little more.

With Allstate, men usually pay almost $10 per month more than women, and over $10 with Quincy Mutual Group.

Looking at the data for each company specifically, Allstate offers the cheapest average premiums for both men and women, with average rates 16% less for men and 16% cheaper for women.

Allstate or Quincy Mutual Group: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability insurance, Allstate normally offers significantly cheaper premiums of $108 compared to Quincy Mutual Group's $145. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $40 a month more affordable than Quincy Mutual Group, on average.

Is Allstate or Quincy Mutual Group Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and collisions lead to higher rates, but which carrier -- Allstate or Quincy Mutual Group -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Quincy Mutual Group generally raises prices around $45 a month, on average.

However, Allstate tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 10% less expensive for drivers with clean records and 16% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their premiums rise by just under $75, while those who have insurance through Quincy Mutual Group will see about a $10 increase.

Overall, Quincy Mutual Group offers the lowest prices for drivers with an at-fault accident on their records, with monthly rates averaging $186 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Quincy Mutual Group increases average premiums by just under $200 per month -- that's just under a 55% increase.

Allstate has the overall most affordable prices for drivers with a DUI on their records at $227 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Quincy Mutual Group, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Quincy Mutual Group Rates?

Did you know that many insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which company offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Quincy Mutual Group for an "excellent" credit score. Drivers with "excellent" credit can save nearly 15% compared to Allstate, while those with "good" scores can expect to see better savings from Allstate -- around $21 or 11% less expensive than Quincy Mutual Group each month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Quincy Mutual Group when it comes to drivers with bad credit. Drivers with "fair" credit pay about $71 a month less with Allstate compared to Quincy Mutual Group, and those with "poor" scores typically save an average of around $140 a month.

Is Allstate or Quincy Mutual Group Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Allstate offers cheaper rates than Quincy Mutual Group. Allstate's average prices for drivers with 6,000 annual miles come in over 10% more affordable than Quincy Mutual Group. Those who drive 12,000 miles every year can expect to pay more than 20% less with Allstate over Quincy Mutual Group.

Allstate vs. Quincy Mutual Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a considerable role in how much you pay for car insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Allstate usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Allstate comes out on top with average premiums about $174 per month. Allstate also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $86 and $25 per month respective difference when compared to Quincy Mutual Group drivers in similar areas.

Allstate vs. Quincy Mutual Group Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've broken down all of the different discounts offered by both Allstate and Quincy Mutual Group so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate blows Quincy Mutual Group away when it comes to the sheer amount of discounts available, offering 22 more discounts than Quincy Mutual Group.

Both carriers offer lots of the same discounts -- like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but Allstate also offers agency transfer discounts, alert driving discounts, COVID-19 relief discount, and more that Quincy Mutual Group does not.

On the flip side, Quincy Mutual Group has a couple unique discounts of its own -- continuous insurance discounts, employers subject to ma worker discounts, group discounts, and more.

Final Thoughts: Is Allstate or Quincy Mutual Group Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Allstate or Quincy Mutual Group the best carrier for you and your specific profile and needs?

Allstate might be best for you if....

• Your credit is less-than-stellar.
• Your home is located in the suburbs.
• You are over 65 years old and want to save some money on your insurance.

Quincy Mutual Group might be best for you if...

• You like the personalized touch of a small, regional company.
• You want to save money on your auto insurance after a collision.

We hope this guide helps you get a good idea of the differences between Allstate and Quincy Mutual Group and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple carriers, not just Allstate and Quincy Mutual Group. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allstate vs. Quincy Mutual Group FAQs

Is Allstate or Quincy Mutual Group cheaper?

Looking just at the national average rates, Allstate is the less expensive of the two carriers, offering average rates of $199 a month compared to $237 for Quincy Mutual Group. Even so, Allstate won't necessarily be the most affordable carrier for each policyholder, since there are multiple different variables that are considered when it comes to your insurance cost.

Who is better, Allstate or Quincy Mutual Group?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for every driver -- it all boils down to your unique car insurance profile. For example, Allstate offers cheaper premiums for drivers with a recent DUI, while Quincy Mutual Group is less expensive for drivers with excellent credit.

Why do Allstate and Quincy Mutual Group offer me different rates?

Insurance companies take a look at lots of different factors when determining the prices they charge policyholders. Variables like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Allstate and Quincy Mutual Group calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or Quincy Mutual Group is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Allstate or Quincy Mutual Group at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.