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

Quick Facts

• Looking at the national averages for car insurance, GEICO offers significantly more affordable prices than Quincy Mutual Group
• GEICO offers more discounts than Quincy Mutual Group
• Quincy Mutual Group offers more affordable rates for residents in Massachusetts and Rhode Island

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to GEICO or Quincy Mutual Group, but which company has less expensive prices for insurance?

As you can see, GEICO has average rates that are about 22% per month cheaper than those from Quincy Mutual Group when looking at the national average rates for car insurance.

Even so, that doesn't mean GEICO will necessarily be less expensive than Quincy Mutual Group for every single driver. Auto insurance companies use all sorts of complex algorithms to calculate premiums, so depending on where you live or how clean your driving record is (among a variety of other factors), you could see wildly different prices from the ones above.

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

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

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

There's a lot more that goes into your insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. Generally, that's because young, inexperienced 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 auto insurance. As you can see above, teens who use GEICO save nearly $150 a month compared to those who use Quincy Mutual Group. It's worth noting that GEICO offers insurance in 50 different states compared to Quincy Mutual Group's two, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for GEICO policyholders lower more than $200 and Quincy Mutual Group's premiums reduce around $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best premiums for retired drivers between GEICO and Quincy Mutual Group? GEICO gets the edge, with rates for drivers 65 and older $20 more affordable than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be less expensive for married couples than they are for single policyholders. That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, GEICO is the clear winner for single drivers, with prices about $65 per month more affordable than Quincy Mutual Group, on average. For married policyholders, the advantage is clear again - GEICO has the edge when it comes to average premiums.

GEICO vs. Quincy Mutual Group: Average Rates by Gender

Women tend to pay less for insurance than men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

Men typically pay around 4% more a month than women with GEICO, while with Quincy Mutual Group, the difference is closer to 5% per month.

When it comes to the most affordable prices for each gender, GEICO offers the lowest average premiums for both men and women, with average rates $54 less for men and $51 cheaper for women.

GEICO 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, GEICO usually offers significantly cheaper prices of $101 compared to Quincy Mutual Group's $145. When it comes to full coverage policies with similar limits, GEICO again has the edge, with policies about $60 a month less expensive than Quincy Mutual Group, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO policyholders can expect their premiums to go up an average of $35 per month if they get a ticket, while Quincy Mutual Group typically raises prices around $45 a month, on average.

However, GEICO tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $59 and $69 cheaper, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

GEICO drivers who get in an accident can expect to see their premiums increase by $85, while those who have insurance through Quincy Mutual Group will see about a $10 increase.

Overall, the more affordable prices come from Quincy Mutual Group, with monthly rates averaging $186 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or ticket. On average, Quincy Mutual Group will raise your prices around 53% after a DUI, while GEICO's average premiums rise by just under 60%.

GEICO has the overall cheapest prices for drivers with a DUI on their records at $275 a month, but it's worth noting that GEICO's average rates come from 50 states compared to just two for Quincy Mutual Group, so the data may be skewed slightly.

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

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Quincy Mutual Group for an "excellent" credit score. Drivers with "excellent" credit can save 4% compared to GEICO, while those with "good" scores can expect to see better savings from GEICO -- about $29 or 15% cheaper than Quincy Mutual Group each month.

Which Company is Best for Drivers with Bad Credit?

GEICO typically offers lower premiums than Quincy Mutual Group when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $77 per month less with GEICO compared to Quincy Mutual Group, and those with "poor" scores usually save an average of about $162 per month.

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

How much you drive can have a considerable impact on your monthly car insurance payment. Typically, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, GEICO offers more affordable rates than Quincy Mutual Group. GEICO's average prices for drivers with 6,000 annual miles come in nearly 20% cheaper than Quincy Mutual Group. Those who drive 12,000 miles annually can expect to pay over 25% less with GEICO over Quincy Mutual Group.

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

Where you park your vehicle can have a substantial impact on your monthly auto insurance cost. Normally, 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.

GEICO boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but GEICO comes out on top with average premiums around $159 monthly. GEICO also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $97 and $39 a month respective difference when compared to Quincy Mutual Group drivers in similar areas.

GEICO vs. Quincy Mutual Group Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the section below, we've compared all of the different discounts offered by GEICO and Quincy Mutual Group so that you can see which one can save you the most money each month.

GEICO knocks Quincy Mutual Group out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Quincy Mutual Group's 18.

There are a couple discounts both companies offer, but GEICO also offers commercial drivers license discounts, COVID-19 relief discount, deployed driver discounts, and more that Quincy Mutual Group does not.

On the flip side, Quincy Mutual Group has a couple unique discounts of its own -- advance quote discounts, annual mileage discounts, continuous insurance discounts, and more.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the best carrier for you and your specific driver profile?

GEICO might be best for you if....

• Your credit is below-average.
• Your home is located in the suburbs.
• You live in a rural area.

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

• You like the personalized touch of a small, local carrier.
• Your driving record contains an at-fault accident.

We hope this guide helps you get a good idea of the differences between GEICO 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 car insurance.

At the end of the day, the best 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 GEICO and Quincy Mutual Group. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

GEICO vs. Quincy Mutual Group FAQs

Is GEICO or Quincy Mutual Group cheaper?

Looking just at the national average premiums, GEICO is the less expensive of the two companies, offering average rates of $185 per month compared to $237 for Quincy Mutual Group. Even so, GEICO won't necessarily be the cheapest company for everyone, since there are many different factors that are considered when it comes to your auto insurance bill.

Who is better, GEICO or Quincy Mutual Group?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for every driver -- it all comes down to what your unique car insurance profile looks like. For example, Quincy Mutual Group offers more affordable prices for policyholders with an at-fault collision on their record, while GEICO is cheaper for drivers who have less-than-stellar credit scores.

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

Insurance carriers take a look at several different variables when calculating the premiums they charge drivers. Things like gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both GEICO and Quincy Mutual Group use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto 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 makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be GEICO 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.