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

Quick Facts

• Based on national averages for insurance, Quincy Mutual Group offers slightly more affordable premiums than Grange
• Grange offers more discounts than Quincy Mutual Group
• Quincy Mutual Group offers cheaper average prices for couples purchasing auto insurance together

Grange 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 sizable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Grange or Quincy Mutual Group, but which one has less expensive premiums for car insurance?

As you can see, Quincy Mutual Group is about $12 per month cheaper than Grange when looking at the national average rates for insurance.

But that doesn't mean Quincy Mutual Group will necessarily be less expensive than Grange for every single driver. Car insurance companies vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so prices will differ quite a bit from person to person.

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

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

Grange and Quincy Mutual Group only compete against each other in one states, with Quincy Mutual Group offering more affordable rates to the average driver in all of them. Massachusetts has the most noticable difference, where Quincy Mutual Group prices are over 40% cheaper than insurance rates at Grange.

There's a lot more that goes into your auto insurance bill than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's because young, inexperienced 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 car insurance. For example, 18-year-old drivers pay an average of more than $40 less a month by choosing Quincy Mutual Group over Grange.

Even so, both carriers will offer you dramatically lower premiums once you turn 25. Quincy Mutual Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Grange still has the cheapest prices at $205 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Grange and Quincy Mutual Group specifically, which carrier is best for retired drivers? Quincy Mutual Group gets the edge, with rates for drivers 65 and older over 15% more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally less expensive for married drivers than they are for those who are single? This usually boils down to married couples having multiple cars on their policy -- something lots of auto insurance companies will reward with discounts.

If you're in the market for insurance, Quincy Mutual Group tends to have the cheapest average premiums regardless of relationship status, with prices nearly $20 more affordable for single drivers and around $3 cheaper for married policyholders.

Grange vs. Quincy Mutual Group: Average Rates by Gender

You may not know, but car insurance is typically more expensive for men than for women. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim.

Men normally pay more than $10 per month more than women with Grange, and about $10 with Quincy Mutual Group.

When it comes to the most affordable prices for each gender, Quincy Mutual Group comes out as the lowest option for both genders, with average rates $12 less for men and $11 cheaper for women.

Grange 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, auto insurance can be pretty complicated. There are many different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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 if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

In this case, Quincy Mutual Group offers the most affordable average premiums for state minimum limits for liability insurance, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $40 with Quincy Mutual Group, while full coverage comes out to be around $15 less expensive with Grange Insurance.

Is Grange 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 accidents and tickets on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their rates to go up an average of $55 a month if they get a ticket, while Quincy Mutual Group usually raises premiums about $45 per month, on average.

However, Quincy Mutual Group has more affordable prices for drivers in both categories. Drivers with a clean record can save around $6 a month and drivers with a speeding ticket can save about $16 per month with Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Grange can expect to see around an $86 -- or about 32% -- increase in their auto insurance rates. Drivers who use Quincy Mutual Group for their insurance will see a monthly bill around $12 (or 6%) more expensive after reporting an accident to their car insurance company.

Overall, Quincy Mutual Group offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $186 compared to Grange Insurance's $266.

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 auto insurance bill. For example, Quincy Mutual Group increases average premiums by just under $200 a month -- that's just under a 55% increase.

If you have a DUI on your record and are looking for more affordable rates, Grange tends to be the much cheaper option with average premiums of $314 per month compared to $370 from Quincy Mutual Group.

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

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for several policyholders.

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, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Quincy Mutual Group. Drivers with "excellent" credit can save nearly 35% compared to Grange, and those with "good" scores can also expect to see savings -- about $30 or 13% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Grange typically offers lower prices than Quincy Mutual Group when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $22 per month less with Grange compared to Quincy Mutual Group, and those with "poor" scores normally save an average of about $72 monthly.

Is Grange 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 your monthly rates. That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

Looking specifically at Grange and Quincy Mutual Group, Quincy Mutual Group is the cheaper option for people who work from home, while Quincy Mutual Group has better prices for those with short commutes. Quincy Mutual Group average premiums for drivers with 6,000 annual miles come in over $25 less expensive than Grange. Those who drive 12,000 miles yearly can expect to pay $4 less with Grange over Quincy Mutual Group.

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

Where you park your car can have a pretty big impact on your monthly auto insurance cost. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

Quincy Mutual Group tends to offer the cheapest option for drivers in rural and suburban areas, while Grange wins in urban areas.

If you live in a rural area, you can expect to save around $40 with Quincy Mutual Group compared to Grange. Drivers in suburban ZIP codes pay about $11 less with Quincy Mutual Group compared to Grange. In urban areas, Grange Insurance's average premiums are around $16 less than Quincy Mutual Group.

Grange vs. Quincy Mutual Group Discounts

Regardless of why you might be in the market for a new car 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 auto insurance discounts as you can.

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

In the section below, we've broken down all of the different discounts offered by both Grange and Quincy Mutual Group so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Grange blows Quincy Mutual Group away when it comes to the sheer amount of discounts available, offering 10 more discounts than Quincy Mutual Group.

There are a couple discounts both companies offer, but Grange also offers advanced safety feature discounts, agency transfer discounts, company car 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, employers subject to ma worker discounts, and superior client discounts.

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

So, we've broken down the average prices for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Grange or Quincy Mutual Group the best one for you and your specific profile and needs?

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

• You want to save money on your insurance after an accident.
• You want basic car insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

Grange might be best for you if...

• You have a DUI charge on your record.
• You care about discounts (Grange offers the most).
• You live in an urban area.

We hope this guide has ben a valuable resource as you compare Grange and Quincy Mutual Group. We also hope we've given you the information you need to make the best decision about your auto 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 car insurance -- comparing quotes from several companies, not just Grange 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 free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Grange vs. Quincy Mutual Group FAQs

Is Grange or Quincy Mutual Group cheaper?

Looking just at the national average premiums, Quincy Mutual Group is the more affordable of the two companies, offering average rates of $237 a month compared to $249 for Grange. Even so, Quincy Mutual Group won't necessarily be the lowest company for everyone, since there are lots of different variables that are considered when it comes to your insurance payment.

Who is better, Grange or Quincy Mutual Group?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile. For example, Grange offers less expensive rates for drivers with a recent DUI, while Quincy Mutual Group is cheaper for drivers with excellent credit.

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

Car insurance carriers take a look at many different factors when calculating the prices they charge policyholders. Things like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Quincy Mutual Group calculate premiums using different variables, 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 bunch of different companies.

How do I know if Grange 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Grange 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.