Plymouth Rock Assurance vs. Quincy Mutual Group: Which Company is the Best Fit for You?

Quick Facts

• In general, Quincy Mutual Group offers less expensive prices than Plymouth Rock Assurance
• Plymouth Rock Assurance tends to be a much more affordable option for drivers with a DUI charge on their record
• Quincy Mutual Group offers more affordable premiums for residents of rural areas

Plymouth Rock Assurance vs. Quincy Mutual Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Plymouth Rock Assurance or Quincy Mutual Group as potential options, but which one will offer you cheaper prices?

Looking at nationwide averages, Plymouth Rock Assurance has average rates that are about 14% per month more expensive than those from Quincy Mutual Group.

But that doesn't necessarily mean Quincy Mutual Group will be the less expensive option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so premiums could change drastically from person to person.

Wanting to know if Plymouth Rock Assurance or Quincy Mutual Group is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Plymouth Rock Assurance or Quincy Mutual Group: Average Car Insurance Rates by State

Plymouth Rock Assurance and Quincy Mutual Group only compete against each other in one states, with Plymouth Rock Assurance offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance premiums are over 60% more affordable than insurance rates at Quincy Mutual Group.

But there's more to calculating auto insurance prices than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's normally 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 that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Quincy Mutual Group save more than $300 a month compared to those who use Plymouth Rock Assurance.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. Quincy Mutual Group offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Plymouth Rock Assurance still has the most affordable rates at $203 per month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Plymouth Rock Assurance and Quincy Mutual Group? Plymouth Rock Assurance gets the slight edge here, with average prices coming in at around $164 monthly compared to Quincy Mutual Group's $168. That being said, the difference is only about 5%, so other factors (such as your driving record or where you live) will likely come into play when determining which company has the cheapest rates for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married policyholders than they are for single policyholders. This usually boils down to married drivers having more than one car on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, Quincy Mutual Group is the clear winner for single drivers, with rates around $74 per month more affordable than Plymouth Rock Assurance, on average. But for married couples, that advantage is much less clear - Plymouth Rock Assurance offers the most affordable average prices.

Plymouth Rock Assurance vs. Quincy Mutual Group: Average Rates by Gender

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

With Plymouth Rock Assurance, men generally pay over $25 a month more than women, and about $11 more with Quincy Mutual Group.

Looking at the data for each carrier specifically, Quincy Mutual Group offers the lowest average premiums for both men and women, with average rates 15% less for men and 11% cheaper for women.

Plymouth Rock Assurance 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.

Auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common 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 an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability insurance, Quincy Mutual Group typically offers less expensive prices of $145 compared to Plymouth Rock Assurance's $165. When it comes to full coverage policies with similar limits, Quincy Mutual Group again has the edge, with policies around $55 per month more affordable than Plymouth Rock Assurance, on average.

Is Plymouth Rock Assurance 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 accidents and tickets will most likely raise your premiums, but is Plymouth Rock Assurance or Quincy Mutual Group less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Plymouth Rock Assurance policyholders can expect their rates to go up an average of $120 a month if they get a ticket, while Quincy Mutual Group normally raises prices about $45 per month, on average.

But Quincy Mutual Group has cheaper rates for drivers in both categories -- their rates are around 16% more affordable for drivers with clean records and 33% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Plymouth Rock Assurance drivers who get in a collision can expect to see their prices rise by just under $55, while those who have insurance through Quincy Mutual Group will see around a $10 increase.

Overall, Quincy Mutual Group offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $186 compared to Plymouth Rock Assurance's $262.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Quincy Mutual Group will climb your premiums about 53% after a DUI, while Plymouth Rock Assurance's average rates increase by just under 30%.

If you have a DUI on your record and are looking for more affordable prices, Plymouth Rock Assurance tends to be the much less expensive option with average premiums of $296 a month compared to $370 from Quincy Mutual Group.

How does Credit Score Impact Plymouth Rock Assurance and Quincy Mutual Group Rates?

Did you know that many insurance carriers take into account your credit score when calculating rates? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at Quincy Mutual Group and Plymouth Rock Assurance, which carrier has the best rates for policyholders at different credit levels?

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 50% compared to Plymouth Rock Assurance, and those with "good" scores can also expect to see savings -- around $76 or 28% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Quincy Mutual Group typically offers lower premiums than Plymouth Rock Assurance when it comes to drivers with bad credit. Drivers with "fair" credit pay about $36 a month less with Quincy Mutual Group compared to Plymouth Rock Assurance, and those with "poor" scores normally save an average of around $26 monthly.

Is Plymouth Rock Assurance 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 insurance cost. Typically, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Plymouth Rock Assurance charges. However, there's a pretty significant difference in monthly premiums for Quincy Mutual Group, with policyholders who drive the least paying about $33 less each month compared to those who drive 12,000 miles yearly. Still, Quincy Mutual Group is the more affordable option for drivers in both categories.

Plymouth Rock Assurance vs. Quincy Mutual Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly car insurance payment. 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.

Quincy Mutual Group tends to offer the cheapest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Quincy Mutual Group offers prices around $308 a month compared to Plymouth Rock Assurance's $355. People who live in suburban ZIP codes can expect to pay about $224 per month for Quincy Mutual Group and $283 for Plymouth Rock Assurance. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly premiums coming in at $180 and $183 for Quincy Mutual Group and Plymouth Rock Assurance respectively.

Plymouth Rock Assurance vs. Quincy Mutual Group Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the section below, we've taken a look at all of the different discounts Plymouth Rock Assurance and Quincy Mutual Group offer their customers so that you can see which company can save you the most money each month.

Overall, Quincy Mutual Group has a slight advantage when it comes to total number of discounts. Plymouth Rock Assurance offers a grand total of 16 discounts, while Quincy Mutual Group has 18.

Both companies offer many of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good driver, and mature driver discounts -- but Quincy Mutual Group also offers ABS discounts, annual mileage discounts, continuous insurance discounts, and more that Plymouth Rock Assurance does not.

On the flip side, Plymouth Rock Assurance has a couple unique discounts of its own -- agency transfer discounts, discounts for getting driver training, paperless discounts, and more.

Final Thoughts: Is Plymouth Rock Assurance or Quincy Mutual Group Best for You?

So, we've broken down the average rates for many of the variables insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the best one for you and your specific profile and needs?

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

• Your driving record contains an at-fault collision.
• Your credit score is high.
• You drive fewer than 6,000 miles every year.

Plymouth Rock Assurance might be best for you if...

• You have a DUI charge on your record.
• You are over 65 years old and want to save some money on your auto insurance.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

We hope this guide helps you get a good idea of the differences between Plymouth Rock Assurance and Quincy Mutual Group and that it aids in making a more informed 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 auto insurance -- comparing quotes from a handful of companies, not just Plymouth Rock Assurance and Quincy Mutual Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Plymouth Rock Assurance vs. Quincy Mutual Group FAQs

Is Plymouth Rock Assurance or Quincy Mutual Group cheaper?

Looking just at the national average prices, Quincy Mutual Group is the cheaper of the two companies, offering average rates of $237 a month compared to $274 for Plymouth Rock Assurance. Even so, Quincy Mutual Group won't necessarily be the cheapest carrier for everyone, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Plymouth Rock Assurance or Quincy Mutual Group?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Quincy Mutual Group offers less expensive premiums for single drivers, while Plymouth Rock Assurance is cheaper for drivers who have already retired.

Why do Plymouth Rock Assurance and Quincy Mutual Group offer me different rates?

Car insurance carriers take a look at quite a few different variables when determining the rates they charge policyholders. Things like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Plymouth Rock Assurance and Quincy Mutual Group calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Plymouth Rock Assurance 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 several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code 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 premium. And who knows, the best carrier for you might not be Plymouth Rock Assurance 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.