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

Quick Facts

• In general, Quincy Mutual Group offers significantly more affordable premiums than Metlife
• Metlife offers more discounts than Quincy Mutual Group
• Quincy Mutual Group tends to be a much cheaper option for residents of urban areas

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Metlife or Quincy Mutual Group, but which carrier will save you the most?

Looking at the national average rates for both companies, Quincy Mutual Group is quite a bit cheaper than Metlife, with prices averaging $237 per month compared to $340 with Metlife.

However, that doesn't necessarily mean Quincy Mutual Group will be the less expensive option for every driver. Car insurance carriers vary their rates depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and all sorts of other factors, so premiums will change quite a bit from person to person.

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

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

Metlife and Quincy Mutual Group only compete against each other in two states, with Quincy Mutual Group offering cheaper rates to the average driver in all of them. Rhode Island has the most noticable difference, where Quincy Mutual Group premiums are over 10% less expensive than insurance prices at Metlife.

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 companies calculate your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Quincy Mutual Group for their car insurance pay nearly $450 less than those who use Metlife. It's worth noting that Metlife offers auto insurance in 44 different states compared to Quincy Mutual Group's two, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower rates by the time drivers turn 25. Quincy Mutual Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Metlife's average premiums reduce more than 70% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

So, which company offers the best premiums to retired drivers? Quincy Mutual Group gets the edge here, with average rates coming in at about $168 monthly compared to Metlife's $205.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married policyholders than they are for those who are single. This usually boils down to married couples having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Quincy Mutual Group is the clear winner for single policyholders, with prices around $161 a month cheaper than Metlife, on average. The advantage for married drivers with Quincy Mutual Group is also obvious, where drivers save over $25 per month.

Metlife vs. Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for auto insurance than women.

Men typically pay almost $30 a month more than women with Metlife, and about $10 with Quincy Mutual Group.

When it comes to the cheapest rates for each gender, Quincy Mutual Group comes out on top for both men and women, with average premiums 31% less for men and 29% cheaper for women.

Metlife 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.

Car insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for a range 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.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Quincy Mutual Group usually offers significantly more affordable rates of $145 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Quincy Mutual Group again has the edge, with policies around $150 per month less expensive than Metlife, on average.

Is Metlife 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.

At-fault collisions and tickets will most likely raise your prices, but is Metlife or Quincy Mutual Group cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Metlife policyholders can expect their rates to go up an average of $59 a month if they get a ticket, while Quincy Mutual Group typically raises prices about $45 per month, on average.

That being said, Quincy Mutual Group has less expensive premiums for drivers in both categories -- their rates are around 21% more affordable for drivers with clean records and 22% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Metlife can expect to see around an $148 -- or about 40% -- increase in their car insurance rates. 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 carrier.

Overall, the more affordable premiums come from Quincy Mutual Group, with monthly prices averaging $186 compared to MetLife's $368.

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 car insurance bill -- normally a lot more than a collision or speeding ticket. On average, Metlife will increase your rates about 55% after a DUI, while Quincy Mutual Group's average prices increase by just under 55%.

Quincy Mutual Group has the overall most affordable premiums for drivers with a DUI on their records at $370 per month, but it's worth noting that Metlife's average rates come from 44 states compared to just two for Quincy Mutual Group, so the data may be skewed slightly.

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

Often times, your credit score can come into play when carriers determine 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 does affect quite a few drivers out there.

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

So, which company offers the best rates for policyholders with good, average, or poor 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. Drivers with "excellent" credit can save nearly 45% compared to Metlife, and those with "good" scores can also expect to see savings -- around $81 or 30% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Quincy Mutual Group typically offers lower premiums than Metlife when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $65 a month less with Quincy Mutual Group compared to Metlife, and those with "poor" scores usually save an average of around $115 a month.

Is Metlife 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 considerable impact on your monthly insurance bill? Generally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

Quincy Mutual Group tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Metlife's average prices for drivers with 6,000 annual miles come in just under 35% more expensive than Quincy Mutual Group. Those who drive 12,000 miles yearly can expect to pay over 25% more with Metlife over Quincy Mutual Group.

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

Where you live can play a sizable role in how much you pay for car insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the road in those areas, which decreases the chances of an accident.

Quincy Mutual Group tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both carriers, but Quincy Mutual Group comes out on top with average prices about $180 monthly. Quincy Mutual Group also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $81 and $109 per month respective difference when compared to Metlife drivers in similar areas.

Metlife 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 auto insurance discounts as you can.

The hard 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.

Below, we've taken a look at all of the different discounts Metlife and Quincy Mutual Group offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Metlife blows Quincy Mutual Group away when it comes to the sheer amount of discounts available, offering 18 more discounts than Quincy Mutual Group.

A couple of those are overlapping for things like annual mileage discounts, discounts for being a defensive driver, distant student discounts, and discounts for being a good student. Metlife also offers AAA discounts, academic discounts, agency transfer 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, continuous insurance discounts, paid in full discounts, and more.

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

So, we've broken down the average premiums for many of the factors insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the right fit for you?

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

• You're single and purchasing car insurance by yourself.
• You already have a great credit score.
• You live in a rural area.

Metlife might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a better idea of the difference between Metlife and Quincy Mutual Group and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Metlife and Quincy Mutual Group. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Metlife vs. Quincy Mutual Group FAQs

Is Metlife or Quincy Mutual Group cheaper?

Looking just at the national average prices, Quincy Mutual Group is the less expensive of the two carriers, offering average rates of $237 a month compared to $340 for Metlife. However, Quincy Mutual Group won't necessarily be the lowest company for each policyholder, since there are lots of different variables that are considered when it comes to your auto insurance cost.

Who is better, Metlife or Quincy Mutual Group?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for every driver -- it all comes down to what your unique insurance profile looks like.

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

Car insurance companies take a look at a lot of different factors when calculating the rates they charge policyholders. Variables like gender, your driving record, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Metlife and Quincy Mutual Group calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Metlife 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 several companies 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 free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Metlife 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.