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

Quick Facts

• In general, Progressive offers significantly less expensive prices than Quincy Mutual Group
• Progressive offers cheaper average premiums for drivers with a DUI charge on their record
• Quincy Mutual Group offers more affordable prices for residents in Massachusetts and Rhode Island

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

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

You might be considering Progressive or Quincy Mutual Group for your next policy, but between the two, which company will save you the most?

As you can see, Quincy Mutual Group is about $57 more per month than Progressive when looking at the national average rates for car insurance.

But that doesn't mean Progressive will necessarily be more affordable than Quincy Mutual Group for every driver. Insurance companies vary their premiums depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and all sorts of other factors, so rates will vary quite a bit from person to person.

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

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

Progressive 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. If you live in Rhode Island, Progressive is the less expensive of the two carriers when looking at the overall average premiums. Quincy Mutual Group is the more affordable option in Massachusetts.

There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. Usually, that's because 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Progressive save nearly $60 a month compared to those who use Quincy Mutual Group. It's worth noting that Progressive offers car insurance in 44 different states compared to Quincy Mutual Group's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower rates once you turn 25. Quincy Mutual Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Progressive still has the most affordable prices at $142 per month.

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 premiums you'll ever see.

But who has the best rates for retired drivers between Progressive and Quincy Mutual Group? Progressive gets the edge here, with average prices coming in at around $131 monthly compared to Quincy Mutual Group's $168.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Progressive is the clear winner for single policyholders, with rates about $52 per month less expensive than Quincy Mutual Group, on average. For married couples, the advantage is clear again - Progressive has the edge when it comes to average prices.

Progressive vs. Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for insurance than women.

Men generally pay around 3% more a month than women with Progressive, and about 5% with Quincy Mutual Group.

When it comes to the cheapest premiums for each gender, Progressive comes out as the most affordable option for both genders. On average, male drivers save about $60 per month and women save around $54 with Progressive compared to the average Quincy Mutual Group policyholder.

Progressive 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 isn't the easiest topic to understand. There are several different coverages that account for multiple 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 (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Progressive typically offers more affordable rates of $111 compared to Quincy Mutual Group's $145. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies about $80 a month cheaper than Quincy Mutual Group, on average.

Is Progressive 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 car 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 cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Progressive policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Quincy Mutual Group generally raises prices around $45 a month, on average.

That being said, Progressive is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 14% and 18% more affordable, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Progressive can expect to see about an $65 -- or around 30% -- increase in their auto insurance premiums. Drivers who use Quincy Mutual Group for their car insurance will see a monthly bill about $12 (or 6%) more expensive after reporting an accident to their insurance company.

Overall, the cheaper rates come from Quincy Mutual Group, with monthly prices averaging $186 compared to Progressive's $214.

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 -- typically a lot more than a collision or ticket. Quincy Mutual Group drivers usually see a 53% increase in their car insurance premiums after a DUI charge, while Progressive will normally climb prices by around 16%.

Progressive has the overall lowest premiums for drivers with a DUI on their records at $177 a month, but it's worth noting that Progressive'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 Progressive and Quincy Mutual Group Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly insurance rates. Certain states and carriers do not allow for credit score to be used 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 typically be forced to pay more.

So, which carrier offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Quincy Mutual Group for an "excellent" credit score. Policyholders with "excellent" credit can save 7% compared to Progressive, while those with "good" scores can expect to see better savings from Progressive -- about $36 or 19% less expensive than Quincy Mutual Group each month.

Which Company is Best for Drivers with Bad Credit?

Progressive typically offers lower premiums than Quincy Mutual Group when it comes to drivers with bad credit. Drivers with "fair" credit pay around $93 per month less with Progressive compared to Quincy Mutual Group, and those with "poor" scores generally save an average of about $168 monthly.

Is Progressive 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 substantial impact on your monthly rates? Normally, the more miles you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Progressive charges. However, there's a pretty significant difference in monthly prices for Quincy Mutual Group, with drivers who put 6,000 miles on their vehicle annually paying around $33 less every month compared to those who drive 12,000 miles yearly. Still, Progressive is the more affordable option for drivers in both categories.

Progressive vs. 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 car insurance, but the type of area you live in can have a pretty big impact as well. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Progressive generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both companies, but Progressive comes out on top with average rates about $154 a month. Progressive also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $101 and $45 a month respective difference when compared to Quincy Mutual Group drivers in similar areas.

Progressive 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 auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Below, we've taken a look at all of the different discounts Progressive and Quincy Mutual Group offer their customers so that you can see which one can save you the most money each month.

Progressive blows Quincy Mutual Group away when it comes to the sheer amount of discounts available, offering 16 more discounts than Quincy Mutual Group.

A couple of those are overlapping for things like advance quote discounts, continuous insurance discounts, discounts for being a defensive driver, and discounts for being a good student. Progressive also offers advanced safety feature discounts, agency transfer discounts, COVID-19 relief discount, and more that Quincy Mutual Group does not.

On the flip side, Quincy Mutual Group has a couple unique discounts of its own -- annual mileage discounts, employers subject to ma worker discounts, and superior client discounts.

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

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. But, at the end of the day, which company is the right carrier for you and your specific profile and needs?

Progressive might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums increase.
• You are over 65 years old and want to save some money on your insurance.

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

• You live in one of the following states: Massachusetts and Rhode Island.
• You have an at-fault accident on your record.

We hope this guide has ben a valuable resource as you compare Progressive 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 several companies, not just Progressive and Quincy Mutual Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Progressive vs. Quincy Mutual Group FAQs

Is Progressive or Quincy Mutual Group cheaper?

Looking just at the national average rates, Progressive is the less expensive of the two companies, offering average rates of $180 per month compared to $237 for Quincy Mutual Group. Even so, Progressive won't necessarily be the cheapest carrier for everyone, since there are a variety of different factors that are considered when it comes to your car insurance payment.

Who is better, Progressive or Quincy Mutual Group?

Unfortunately, the answer truly is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique insurance profile looks like. For example, Quincy Mutual Group offers more affordable prices for policyholders with an at-fault collision on their record, while Progressive is less expensive for drivers who have less-than-stellar credit scores.

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

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

How do I know if Progressive 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 does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Progressive 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.