At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Quick Facts
- In general, Main Street America offers slightly less expensive premiums than Quincy Mutual Group
- Main Street America has more affordable prices for couples purchasing car insurance together
- Quincy Mutual Group offers more affordable premiums for drivers who have received a ticket within the last few years
In This Article:
Main Street America vs. Quincy Mutual Group: Which Company has the Cheapest Car Insurance?
So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.
You've maybe even narrowed your search down to Main Street America or Quincy Mutual Group as potential options, but between the two, which carrier will save you the most?
Main Street America | Quincy Mutual Group |
---|---|
$227 | $237 |
Looking at nationwide averages, Main Street America is about $10 per month cheaper than Quincy Mutual Group.
However, that doesn't necessarily mean Main Street America will be the more affordable option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). 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 Main Street America or Quincy Mutual Group is really the best for you, keep reading to see average prices for each carrier broken down by many different rate factors.
Main Street America or Quincy Mutual Group: Average Car Insurance Rates by State
State | Main Street America | Quincy Mutual Group |
---|---|---|
RI | $241 | $252 |
Main Street America and Quincy Mutual Group only compete against each other in one states, with Main Street America offering less expensive rates to the average driver in all of them. Rhode Island has the most noticable difference, where Main Street America premiums are cheaper than insurance prices at Quincy Mutual Group.
But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Continue reading to learn more about how other factors will affect your rates.
Find your best rate in just a few minutes
Which is the Best Company For Young Drivers?
Main Street America | Quincy Mutual Group | |
---|---|---|
18-year-old drivers | $477 | $510 |
25-year-old drivers | $219 | $241 |
Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.
That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Main Street America save nearly $35 a month compared to those who use Quincy Mutual Group.
But with both companies, you'll see your rates decrease significantly once you turn 25. For example, average prices for Main Street America policyholders drop almost 55% and Quincy Mutual Group's premiums reduce nearly 55% over that time.
Which is the Best Company for Retired Drivers?
Main Street America | Quincy Mutual Group | |
---|---|---|
65+-year-old drivers | $181 | $168 |
When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you can find.
But who has the best premiums for retired drivers between Main Street America and Quincy Mutual Group? Quincy Mutual Group gets the slight edge here, with average prices coming in at around $168 a month compared to Main Street America's $181.
Which is the Best Company for Married Drivers?
Main Street America | Quincy Mutual Group | |
---|---|---|
Single | $265 | $273 |
Married | $177 | $190 |
You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married policyholders. That's generally because married couples tend to own and insure several cars, which can often earn you a discount.
If you're in the market for auto insurance, Main Street America tends to have the lowest average prices regardless of if you're married or single, with prices almost $15 less expensive for married drivers and about $10 cheaper for single drivers.
Main Street America vs. Quincy Mutual Group: Average Rates by Gender
Main Street America | Quincy Mutual Group | |
---|---|---|
Male | $224 | $243 |
Female | $230 | $232 |
Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for insurance than women.
Surprisingly, men normally pay around 3% less per month than women with Main Street America, and about 5% with Quincy Mutual Group.
Looking at overall affordability, Main Street America offers the cheapest average rates for both men and women, with average premiums 8% less for men and 1% cheaper for women.
Find your best rate in just a few minutes
Main Street America or Quincy Mutual Group: Compare State Minimum vs. Full Coverage Rates
Main Street America | Quincy Mutual Group | |
---|---|---|
State Minimum* | $159 | $145 |
Full Coverage** | $295 | $330 |
*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 car insurance can be a complicated subject for most people. There are multiple different coverages that account for a bunch 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.
The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).
In this case, Quincy Mutual Group offers the lowest average rates for state minimum limits for liability insurance, while Main Street America has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with Quincy Mutual Group, while full coverage comes out to be around $35 more affordable with Main Street America Insurance.
Is Main Street America 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 auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.
Tickets and collisions will most likely raise your prices, but is Main Street America or Quincy Mutual Group cheaper for drivers with less-than-ideal driving records?
Which Company is Best for Drivers with Speeding Tickets?
Main Street America | Quincy Mutual Group | |
---|---|---|
Clean Record | $175 | $174 |
1 Speeding Ticket | $236 | $219 |
Main Street America policyholders can expect their premiums to go up an average of $61 a month if they get a ticket, while Quincy Mutual Group typically raises prices about $45 per month, on average.
Even so, Quincy Mutual Group has less expensive rates for drivers in both categories, offering premiums that are $1 and $17 more affordable, respectively, compared to Main Street America Insurance.
Which Company is Best for Drivers After an Accident?
Main Street America | Quincy Mutual Group | |
---|---|---|
Clean Record | $175 | $174 |
1 At-Fault Accident | $215 | $186 |
Main Street America policyholders who get in an accident can expect to see their rates climb by just under 20%, while those who have insurance through Quincy Mutual Group will see around a 6% increase.
Overall, the less expensive prices come from Quincy Mutual Group, with monthly premiums averaging $186 compared to Main Street America Insurance's $215.
Which Company is Best for Drivers with a DUI?
Main Street America | Quincy Mutual Group | |
---|---|---|
Clean Record | $175 | $174 |
1 DUI | $283 | $370 |
If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than a collision or speeding ticket. On average, Quincy Mutual Group will increase your prices about 53% after a DUI, while Main Street America's average rates increase by just under 40%.
If you have a DUI on your record and are looking for more affordable premiums, Main Street America tends to be the much cheaper option with average rates of $283 monthly compared to $370 from Quincy Mutual Group.
Find your best rate in just a few minutes
How does Credit Score Impact Main Street America and Quincy Mutual Group Rates?
Did you know that many insurance carriers take into account your credit score when calculating premiums? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for many drivers.
The reasoning auto insurance companies use is that policyholders 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.
So, which company offers the best premiums for drivers with poor, average, or good credit?
Which Company is Best for Drivers with Good Credit?
Main Street America | Quincy Mutual Group | |
---|---|---|
Excellent Credit Score | $109 | $126 |
Good Credit Score | $137 | $193 |
Which Company is Best for Drivers with Bad Credit?
Main Street America | Quincy Mutual Group | |
---|---|---|
Fair Credit Score | $179 | $274 |
Poor Credit Score | $484 | $415 |
Find your best rate in just a few minutes
Is Main Street America or Quincy Mutual Group Better for Drivers who Work from Home or Have Short Commutes?
Main Street America | Quincy Mutual Group | |
---|---|---|
6,000 Annual Miles | $225 | $221 |
12,000 Annual Miles | $229 | $254 |
How much you drive can have a pretty big impact on your monthly rates. Normally, the more miles you drive, the more you can expect to pay for coverage.
Looking specifically at Main Street America and Quincy Mutual Group, Quincy Mutual Group is the more affordable option for people who work from home, while Quincy Mutual Group has better prices for those with short commutes. Quincy Mutual Group average rates for drivers with 6,000 annual miles come in $4 cheaper than Main Street America. Those who drive 12,000 miles yearly can expect to pay $25 less with Main Street America over Quincy Mutual Group.
Main Street America vs. Quincy Mutual Group: Compare Rates for Urban, Suburban, and Rural Drivers
Where you call home can have a big impact on your monthly insurance cost. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.
Main Street America | Quincy Mutual Group | |
---|---|---|
Urban Areas | $264 | $308 |
Suburban Areas | $230 | $224 |
Rural Areas | $188 | $180 |
When comparing these two carriers side-by-side, Quincy Mutual Group tends to offer the most affordable option for drivers in rural and suburban areas, while Main Street America wins in urban areas.
In urban areas, Main Street America Insurance's average premiums are around $44 less than Quincy Mutual Group. Drivers in suburban ZIP codes pay about $6 less with Quincy Mutual Group compared to Main Street America. If you live in a rural area, you can expect to save around $8 with Quincy Mutual Group compared to Main Street America.
Main Street America vs. Quincy Mutual Group Discounts
Regardless of why you might be in the market for a new auto 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.
The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.
In the section below, we've compared all of the different discounts offered by Main Street America and Quincy Mutual Group so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.
Main Street America | Quincy Mutual Group | |
---|---|---|
ABS Discount | ✔ | ✔ |
Advance Quote Discount | ✔ | |
Annual Mileage Discount | ✔ | |
Anti-Theft Discount | ✔ | ✔ |
Continuous Insurance Discount | ✔ | |
Defensive Driver Discount | ✔ | ✔ |
Distant Student Discount | ✔ | ✔ |
Driver Training Discount | ✔ | |
DRL Discount | ✔ | |
EFT Discount | ✔ | |
Employers Subject to MA Worker Discount | ✔ | |
Good Driving Discount | ✔ | ✔ |
Good Payer Discount | ✔ | |
Good Student Discount | ✔ | ✔ |
Group Discount | ✔ | |
Mature Driver Discount | ✔ | ✔ |
Multi-Car Discount | ✔ | ✔ |
Multi-Policy Discount | ✔ | ✔ |
New Business Discount | ✔ | |
New Vehicle Discount | ✔ |
Both companies offer excellent discounts like anti-theft discounts, distant student discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company.
Find your best rate in just a few minutes
Final Thoughts: Is Main Street America or Quincy Mutual Group Best for You?
You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best one for you and your specific driver profile?
Main Street America might be best for you if....
- You've been pulled over for speeding recently.
- You want basic insurance coverage at the state minimum limits.
- You are over 65 years old and want to save some money on your auto insurance.
Quincy Mutual Group might be best for you if...
- You have above-average credit.
- You're buying car insurance for a teen and looking for a wallet-friendly option.
- You're married and plan to have both of your names on the vehicle's insurance policy.
We hope this guide helps you get a better idea of the difference between Main Street America 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 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 Main Street America and Quincy Mutual Group. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.
Find your best rate in just a few minutes
Main Street America vs. Quincy Mutual Group FAQs
Is Main Street America or Quincy Mutual Group cheaper?
Looking just at the national average prices, Main Street America is the less expensive of the two companies, offering average rates of $227 a month compared to $237 for Quincy Mutual Group. That being said, Main Street America won't necessarily be the lowest carrier for each driver, since there are a variety of different factors that come into play when it comes to your auto insurance bill.
Who is better, Main Street America or Quincy Mutual Group?
Sadly, the real answer is "it depends.". Neither company is necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, Main Street America offers more affordable premiums for single policyholders, while Quincy Mutual Group is less expensive for drivers who have already retired.
Why do Main Street America and Quincy Mutual Group offer me different rates?
Car insurance carriers take a look at quite a few different variables when determining the prices they charge drivers. Factors like gender, your driving record, age, where you live, and sometimes even things like your credit score can all be used. Both Main Street America and Quincy Mutual Group use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.
How do I know if Main Street America or Quincy Mutual Group is right for me?
The only way to find the insurance company 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 make it easy for you to do just that. Just enter your information once 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 best price. And who knows, the best carrier for you might not be Main Street America 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.
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
Find your best rate in just a few minutes