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

Quick Facts

• In general, Quincy Mutual Group offers significantly cheaper prices than Amica Mutual
• Quincy Mutual Group offers more affordable premiums for policyholders who drive a short distance to work everyday
• Quincy Mutual Group has less expensive prices for residents of suburban areas

Amica Mutual or Quincy Mutual Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Amica Mutual or Quincy Mutual Group for your next policy, but between the two, which carrier will save you the most?

Looking at nationwide averages, Quincy Mutual Group is quite a bit cheaper than Amica Mutual, with premiums averaging $237 a month compared to $359 with Amica Mutual.

That being said, Quincy Mutual Group may not be the lowest or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things), so rates could change drastically from person to person.

Luckily, we've broken down average premiums from both Amica Mutual and Quincy Mutual Group by lots of different rate factors, so read on to find out which company is the best for you.

Amica Mutual vs. Quincy Mutual Group: Average Car Insurance Rates by State

Amica Mutual and Quincy Mutual Group only compete against each other in two states, with Quincy Mutual Group offering more affordable rates to the average driver in all of them. Rhode Island has the most noticable difference, where Quincy Mutual Group prices are $151 less expensive than auto insurance premiums at Amica Mutual.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies determine your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. Generally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 25% less per month by choosing Quincy Mutual Group over Amica Mutual.

However, with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Amica Mutual policyholders drop around $400 and Quincy Mutual Group's prices decrease over $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

When looking at Amica Mutual and Quincy Mutual Group specifically, which carrier is best for retired drivers? Quincy Mutual Group gets the edge, with premiums for drivers 65 and older $177 more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for those who are single than they are for married policyholders. That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average rates between these two companies is significant, with Quincy Mutual Group premiums coming in at about 30% less than Amica Mutual's. The advantage for married drivers with Quincy Mutual Group is also obvious, where drivers save more than 40% a month.

Amica Mutual or 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 normally end up paying a little more.

Usually, men see prices around $6 per month higher with Amica Mutual, and about $11 more with Quincy Mutual Group.

When it comes to the cheapest rates for each gender, Quincy Mutual Group offers the most affordable average premiums for both men and women. On average, women save about $124 a month and men save around $119 with Quincy Mutual Group compared to the average Amica Mutual policyholder.

Amica Mutual vs. 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.

It's no secret that auto insurance can be a complicated subject for most people. There are a range of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Quincy Mutual Group has the significant edge, with average monthly prices coming in at $145. If you want a full coverage policy with the same state minimum limits, Quincy Mutual Group again has the edge, with policies averaging about $330 per month to Amica Mutual's $508.

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

You've probably seen plenty of commercials from insurance carriers offering great rates 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 at-fault collisions and speeding tickets lead to higher premiums, but which company -- Amica Mutual or Quincy Mutual Group -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their auto insurance can normally expect their monthly bill to go up around 20% after getting a speeding ticket. Quincy Mutual Group policyholders can expect a bit more drastic of an increase of about 21%.

But Quincy Mutual Group tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $41 and $49 cheaper, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual drivers who get in a collision can expect to see their prices rise by over 15%, while those who have insurance through Quincy Mutual Group will see around a 6% increase.

At the end of the day, Quincy Mutual Group offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $186 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Amica Mutual increases average premiums by nearly $500 a month -- that's nearly a 70% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Quincy Mutual Group tends to be more affordable for the average driver, with monthly premiums coming in at about $370 to Amica Mutual's $699.

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

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

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.

Looking at Amica Mutual and Quincy Mutual Group specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Quincy Mutual Group will typically reward you the most. For drivers with "excellent" credit scores, Quincy Mutual Group comes in just under 49.4 cheaper. Drivers with "good" credit scores usually save around 35% with Quincy Mutual Group compared to average prices from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Quincy Mutual Group typically offers lower premiums than Amica Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 32% per month less with Quincy Mutual Group compared to Amica Mutual, and those with "poor" scores normally save an average of around 23% per month.

Is Amica Mutual 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 car insurance companies will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Amica Mutual charges. However, there's a pretty significant difference in monthly rates for Quincy Mutual Group, with policyholders who drive 6,000 miles each year paying about $33 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Quincy Mutual Group is the less expensive carrier.

Amica Mutual or Quincy Mutual Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads where they live.

Quincy Mutual Group tends to offer the cheapest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $180 monthly with Quincy Mutual Group and $321 with Amica Mutual. Drivers in suburban ZIP codes pay a monthly premium of about $224 with Quincy Mutual Group compared to $348 with Amica Mutual. In urban areas, Quincy Mutual Group's average prices are around $308 while Amica Mutual offers premiums about $408.

Amica Mutual vs. Quincy Mutual Group Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Amica Mutual and Quincy Mutual Group so that you can see which company can save you the most money each month.

Quincy Mutual Group blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 18 different discounts to Amica Mutual's zero.

A couple of those are overlapping for things like. Quincy Mutual Group also offers discounts for ABS, advance quote, annual mileage, and more.

Amica Mutual's discounts come through just.

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

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, is Amica Mutual or Quincy Mutual Group the right carrier for you and your specific needs?

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

• You have received a ticket within the last few years.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Amica Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Amica Mutual and Quincy Mutual Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Amica Mutual vs. Quincy Mutual Group FAQs

Is Amica Mutual or Quincy Mutual Group cheaper?

Quincy Mutual Group is the more affordable of the two companies when looking at national average rates, with policies averaging $237 a month with Quincy Mutual Group and $359 for Amica Mutual. Even so, that doesn't mean Quincy Mutual Group will be the most affordable company for each driver, since there are many different factors that come into play when it comes to your car insurance payment.

Who is better, Amica Mutual or Quincy Mutual Group?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance carriers use quite a few different variables when determining the premiums they charge. Factors such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Quincy Mutual Group calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Amica Mutual or Quincy Mutual Group at all, but another you hadn't even thought of!

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.