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

Quick Facts

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

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

Are you considering a new insurance policy? 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 Nationwide or Quincy Mutual Group for your next policy, but which carrier has more affordable premiums for insurance?

Looking at nationwide averages, Nationwide has average rates that are about 30% per month less expensive than those from Quincy Mutual Group.

Even so, that doesn't mean Nationwide will necessarily be cheaper than Quincy Mutual Group for every driver. Auto insurance companies vary their prices depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and all sorts of other factors, so rates could change drastically from person to person.

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

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

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

There's a lot more that goes into your car insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group on the road. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Nationwide save nearly $150 a month compared to those who use Quincy Mutual Group. It's worth noting that Nationwide offers insurance in 34 different states compared to Quincy Mutual Group's two, which can skew the average premiums a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Nationwide policyholders drop almost $250 and Quincy Mutual Group's premiums decrease more than $250 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Nationwide gets the edge here, with average prices coming in at around $125 a month compared to Quincy Mutual Group's $168.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married policyholders. That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Nationwide is the clear winner for those who are single, with premiums about $72 per month more affordable than Quincy Mutual Group, on average. For married couples, the advantage is clear again - Nationwide has the edge when it comes to average prices.

Nationwide vs. Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets. That means when it comes to car insurance men will usually end up paying a little more.

Men typically pay around 7% more a month than women with Nationwide, and about 5% more with Quincy Mutual Group.

Looking at overall affordability, Nationwide comes out on top for both men and women, with average rates $67 less for men and $68 cheaper for women.

Nationwide 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 so many different limits and coverages that it can make it pretty confusing to find the right policy.

The two 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 an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Nationwide usually offers less expensive premiums of $112 compared to Quincy Mutual Group's $145. When it comes to full coverage policies with similar limits, Nationwide again has the edge, with policies around $100 per month cheaper than Quincy Mutual Group, on average.

Is Nationwide 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 companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Nationwide policyholders can expect their premiums to go up an average of $24 a month if they get a ticket, while Quincy Mutual Group normally raises rates about $45 per month, on average.

However, Nationwide tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are $49 and $70 more affordable, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Nationwide raising by just under $55. Quincy Mutual Group has a less extreme climb, but you can still expect to pay over $10 more than you were prior to your first collision.

Overall, the less expensive premiums come from Nationwide, with monthly prices averaging $178 compared to Quincy Mutual Group's $186.

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 -- typically a lot more than a collision or ticket. Quincy Mutual Group drivers usually see a 53% increase in their auto insurance premiums after a DUI charge, while Nationwide will generally raise rates by around 46%.

Nationwide has the overall lowest prices for drivers with a DUI on their records at $230 monthly, but it's worth noting that Nationwide's average rates come from 34 states compared to just two for Quincy Mutual Group, so the data may be skewed slightly.

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

Did you know that many insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for lots of drivers.

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

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

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 for an "excellent" credit score. Drivers with "excellent" credit can save 5% compared to Nationwide, while those with "good" scores can expect to see better savings from Nationwide -- about $40 or 21% cheaper than Quincy Mutual Group every month.

Which Company is Best for Drivers with Bad Credit?

Nationwide typically offers lower rates than Quincy Mutual Group when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $95 a month less with Nationwide compared to Quincy Mutual Group, and those with "poor" scores normally save an average of about $200 per month.

Is Nationwide 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 auto insurance cost. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Nationwide tends to be the more affordable option. Quincy Mutual Group's average premiums for drivers with 6,000 annual miles come in around 23% more expensive than Nationwide. Those who drive 12,000 miles yearly can expect to pay about 33% more with Quincy Mutual Group over Nationwide.

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

Where you park your car can play a pretty big role in how much you pay for car insurance. Usually, 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.

Nationwide tends to offer the most affordable rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Nationwide comes out on top with average rates around $151 monthly. Nationwide also has less expensive average premiums for drivers in urban and suburban ZIP codes -- a 35% and 29% per month respective difference when compared to Quincy Mutual Group policyholders in similar areas.

Nationwide vs. Quincy Mutual Group Discounts

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

Below, we've compared all of the different discounts offered by Nationwide and Quincy Mutual Group so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Nationwide comes out ahead with 22 discounts to Quincy Mutual Group's 18.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. Nationwide also offers agency transfer discounts, driver training discounts, EFT discounts, and more that Quincy Mutual Group does not.

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

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

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Nationwide or Quincy Mutual Group the best carrier for you and your specific needs?

Nationwide might be best for you if....

• You have received a ticket within the last few years.
• You're worried about the impact your credit score will have on your prices.
• You've started working from home and don't have much of a commute.

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

• You live in one of the following states: Massachusetts and Rhode Island.

We hope this guide helps you get a good idea of the differences between Nationwide and Quincy Mutual Group and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Nationwide and Quincy Mutual Group. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Nationwide vs. Quincy Mutual Group FAQs

Is Nationwide or Quincy Mutual Group cheaper?

Looking just at the national average rates, Nationwide is the more affordable of the two companies, offering average rates of $170 a month compared to $237 for Quincy Mutual Group. That being said, Nationwide won't necessarily be the most affordable carrier for every policyholder, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Nationwide or Quincy Mutual Group?

Unfortunately, the real answer is "it depends.". No one company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Nationwide offers cheaper premiums for drivers with a recent DUI, while Quincy Mutual Group is less expensive for drivers with excellent credit.

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

Insurance carriers take a look at several different factors when determining the prices they charge drivers. Variables like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all come into play. Both Nationwide and Quincy Mutual Group calculate rates using different formulas, so each one will most likely offer different premiums. 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 Nationwide or Quincy Mutual Group is right for me?

The only way to find the auto insurance company 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 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. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Nationwide 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.