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

Quick Facts

• Based on national averages for insurance, Arbella offers significantly less expensive rates than Quincy Mutual Group
• Arbella offers more affordable premiums for drivers who have a speeding ticket on their driving record
• Quincy Mutual Group tends to be a much more affordable option for drivers who have below-average credit

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Arbella or Quincy Mutual Group for your next policy, but which one will offer you cheaper prices?

Looking at nationwide averages, Quincy Mutual Group is quite a bit more expensive than Arbella, with premiums averaging $237 a month compared to just $150 with Arbella.

Even so, Arbella may not be the lowest or best option for each driver out there. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different prices from the ones above.

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

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

Arbella and Quincy Mutual Group only compete against each other in Massachusetts, where Arbella offers the cheaper average rates. Arbella drivers tend to pay about $29 per month less on average compared to drivers who use Quincy Mutual Group for their insurance.

But there's more to calculating car insurance prices than just where you call home. Keep reading 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. That's usually because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Arbella save over 30% a month compared to those who use Quincy Mutual Group.

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

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable car insurance rates you'll ever see. After all, they've likely been driving for quite some time, which typically reduces their chances of collisions and other infractions that can raise prices.

When looking at Arbella and Quincy Mutual Group specifically, which carrier is best for retired drivers? Arbella gets the edge, with premiums for drivers 65 and older almost 45% more affordable than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more expensive for those who are single than they are for married policyholders? That's because policies for married couples typically cover more than one vehicle, which lots of carriers will give you a discount for.

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

Arbella or Quincy Mutual Group: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will often charge women less than men.

Men and women end up paying the same monthly prices with Arbella, and around 5% with Quincy Mutual Group.

Looking at overall affordability, Arbella offers the cheapest average rates for both men and women, with average premiums $93 less for men and $82 cheaper for women.

Arbella 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 insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

That being said, 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 their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Arbella has the significant edge, with average monthly prices coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging about $216 a month to Quincy Mutual Group's $330.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault accidents and speeding tickets will most likely raise your rates, but is Arbella or Quincy Mutual Group less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their insurance can generally expect their monthly bill to go up around 6% after getting a speeding ticket. Quincy Mutual Group policyholders can expect a bit more drastic of an increase of about 21%.

Even so, Arbella tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 33% and 43% cheaper, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Arbella raising by around 23%. Quincy Mutual Group has a less extreme climb, but you can still expect to pay 6% more than you were prior to your first accident.

At the end of the day, drivers who use Arbella end up with the cheaper prices after an accident, with average rates coming in at $151 compared to Quincy Mutual Group's $186.

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 speeding ticket when it comes to your auto insurance bill. On average, Quincy Mutual Group will raise your premiums about 53% after a DUI, while Arbella's average prices rise by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable rates, Arbella tends to be less expensive for the average driver, with monthly premiums coming in at around $206 to Quincy Mutual Group's $370.

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

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few drivers.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will usually save Quincy Mutual Group customers about $65. Arbella, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Quincy Mutual Group. If your credit score is in the "poor" range, at Quincy Mutual Group, you may pay around $150 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Arbella doesn't have data available for credit scores, they could have better prices for drivers with bad credit over Quincy Mutual Group.

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

Did you know that the amount of time you spend in your car have a sizable impact on how much 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.

For both remote workers and those taking short commutes, Arbella tends to be the cheaper option. Quincy Mutual Group's average premiums for drivers with 6,000 annual miles come in about 36% more expensive than Arbella. Those who drive 12,000 miles every year can expect to pay around 38% more with Quincy Mutual Group over Arbella.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Arbella boasts the lowest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $96 monthly with Arbella compared to Quincy Mutual Group's $180. People in suburban areas pay around $168 with Arbella compared to Quincy Mutual Group's $224 a month. For drivers in urban ZIP codes, Arbella's average rates are about $186 a month compared to Quincy Mutual Group's $308.

Arbella 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 car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

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

They both offer great discounts like anti-theft discounts, distant student discounts, discounts for being a good driver, and mature driver discounts.

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

So, we've broken down the average prices for many of the factors auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the best company for you and your specific profile and needs?

Arbella might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the best premiums on liability only coverage.
• You drive often but have a short commute.

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

• Your credit is below-average.
• You have above-average credit.

Hopefully, this guide has ben a valuable resource as you compare Arbella and Quincy Mutual Group. We also hope we've given you the information you need to make the best decision when it comes to your 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 a handful of companies, not just Arbella and Quincy Mutual Group. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Arbella vs. Quincy Mutual Group FAQs

Is Arbella or Quincy Mutual Group cheaper?

Arbella is the more affordable of the two companies when looking at national average rates, with policies averaging $150 per month with Arbella and $237 for Quincy Mutual Group. That being said, that doesn't mean Arbella will be the most affordable company for each policyholder, since there are multiple different variables that come into play when it comes to your insurance payment.

Who is better, Arbella or Quincy Mutual Group?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Quincy Mutual Group is less expensive for drivers with excellent credit, while Arbella offers more affordable premiums for drivers with a recent DUI.

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

Car insurance carriers use several different factors when determining the rates they charge. Things like your driving record, gender, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Arbella and Quincy Mutual Group use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the 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, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Arbella 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.