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

Quick Facts

• Based on national averages for auto insurance, Quincy Mutual Group offers significantly more affordable rates than Hanover
• Hanover may help you save more money -- they offer more discounts than Quincy Mutual Group
• Quincy Mutual Group tends to be a much cheaper option for policyholders who live in rural neighborhoods

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Hanover or Quincy Mutual Group, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Quincy Mutual Group is quite a bit cheaper than Hanover, with prices averaging $237 a month compared to $853 with Hanover.

That being said, Quincy Mutual Group may not be the cheapest or best option for every single driver out there. Insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and a ton of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

So, if you want to find out which of Hanover or Quincy Mutual Group is really the best for you, keep reading to see average prices for each carrier broken down by several different rate factors.

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

Hanover and Quincy Mutual Group only compete against each other in one states, with Quincy Mutual Group offering less expensive premiums to the average driver in all of them. Massachusetts has the most noticable difference, where Quincy Mutual Group prices are $2 more affordable than car insurance rates at Hanover.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Quincy Mutual Group save over 75% per month compared to those who use Hanover.

But both companies will reduce premiums by the time drivers turn 25. For example, average rates for Hanover policyholders drop around $500 and Quincy Mutual Group's prices decrease more than $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance premiums out there. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise prices.

When looking at Hanover and Quincy Mutual Group specifically, which company is best for retired drivers? Quincy Mutual Group gets the edge, with rates for drivers 65 and older $445 cheaper than the national average for Hanover.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be less expensive for married policyholders than they are for single policyholders. That's because policies for married drivers usually cover several vehicles, which several carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Quincy Mutual Group premiums coming in at about a quarter of Hanover's. The advantage for married couples with Quincy Mutual Group is also obvious, where drivers save over 70% a month.

Hanover or Quincy Mutual Group: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

With Hanover, women normally pay around $60 per month less than men, and about $10 cheaper with Quincy Mutual Group when compared to their male counterparts.

Looking at the data for each carrier specifically, Quincy Mutual Group offers the lowest average rates for both men and women. On average, male drivers save about $640 a month and women save around $591 with Quincy Mutual Group compared to the average Hanover policyholder.

Hanover 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.

For most people, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, 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 Hanover's 1196.

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

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

Speeding tickets and at-fault accidents will most likely raise your rates, but is Hanover or Quincy Mutual Group more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Hanover for their auto insurance can typically expect their monthly bill to go up around 26% after getting a speeding ticket. Quincy Mutual Group policyholders can expect a less drastic increase of about 21%.

Even so, Quincy Mutual Group has less expensive prices for drivers in both categories, offering rates that are $443 and $619 cheaper, respectively, compared to Hanover Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Hanover can expect to see around an $326 -- or about 35% -- rise in their car insurance premiums. Drivers who use Quincy Mutual Group for their auto insurance will see a monthly bill around $12 (or 6%) more expensive after reporting an accident to their insurance company.

At the end of the day, Quincy Mutual Group offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $186 compared to Hanover Insurance's $943.

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 -- usually a lot more than a collision or ticket. For example, Hanover increases average premiums by nearly $400 a month -- that's nearly a 40% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Quincy Mutual Group tends to be less expensive for the average driver, with monthly premiums coming in at about $370 to Hanover's 1013.

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

Did you know many car insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it does affect quite a few drivers out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Quincy Mutual Group will typically reward you the most. For drivers with "excellent" credit scores, Quincy Mutual Group comes in just under 42.73 cheaper. Drivers with "good" credit scores normally save around 63% with Quincy Mutual Group compared to average premiums from Hanover.

Which Company is Best for Drivers with Bad Credit?

Quincy Mutual Group typically offers lower rates than Hanover when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 68% per month less with Quincy Mutual Group compared to Hanover, and those with "poor" scores generally save an average of around 78% monthly.

Is Hanover 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 car insurance carriers will charge for coverage? That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Quincy Mutual Group offers more affordable prices than Hanover. Quincy Mutual Group's average premiums for drivers with 6,000 annual miles come in about 74% cheaper than Hanover. Those who drive 12,000 miles yearly can expect to pay around 70% less with Quincy Mutual Group over Hanover.

Hanover 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 insurance, but the type of area you live in can have a considerable impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Quincy Mutual Group boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Quincy Mutual Group's average prices are about $658 less than Hanover Insurance. People who live in suburban areas pay around $618 less with Quincy Mutual Group compared to Hanover. Those in rural areas can expect to save about $570 with Quincy Mutual Group compared to Hanover.

Hanover vs. Quincy Mutual Group Discounts

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

But with what seems like a million different discounts out there, it can be challenging 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.

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

Looking at the total number of discounts, Hanover comes out ahead with 21 discounts to Quincy Mutual Group's 18.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Hanover also offers discounts for driver training, DRL, education, and more.

On the other hand, Quincy Mutual Group has a few proprietary discounts of their own for things like continuous insurance discounts, employers subject to ma worker discounts, renewal discounts, and more.

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

So, we've broken down the average rates for many of the variables insurance companies 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, which insurance company is the best one for you and your specific profile and needs?

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

• You've received a ticket for speeding recently and don't want to see your prices climb.
• Your neighborhood is in a city.
• You are purchasing your auto insurance with a spouse.

Hanover might be best for you if...

• You care about discounts (Hanover offers the most).

Hopefully, this guide has ben a valuable resource as you compare Hanover and Quincy Mutual Group. We also hope we've given you the information you need to make the best decision about 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 car insurance -- comparing quotes from multiple carriers, not just Hanover and Quincy Mutual Group. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Hanover vs. Quincy Mutual Group FAQs

Is Hanover or Quincy Mutual Group cheaper?

Quincy Mutual Group is the less expensive of the two carriers when looking at national average rates, with policies averaging $237 a month with Quincy Mutual Group and $853 for Hanover. That being said, that doesn't mean Quincy Mutual Group will be the most affordable carrier for every policyholder, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Hanover or Quincy Mutual Group?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile.

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

Auto insurance companies use many different variables when calculating the premiums they charge. Factors such as where you live, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Hanover and Quincy Mutual Group calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Hanover 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.