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

Quick Facts

• In general, Safety offers slightly more affordable premiums than Quincy Mutual Group
• Quincy Mutual Group offers cheaper average prices for policyholders whose driving record contains an at-fault collision
• Safety tends to be a much less expensive option for policyholders who live in urban areas

Quincy Mutual Group or Safety: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might be considering Quincy Mutual Group or Safety as potential options, but between the two, which one will offer you more affordable premiums?

Looking at nationwide averages, Quincy Mutual Group is around $20 more a month than Safety.

However, Safety may not be the cheapest or best option for every driver out there. Insurance carriers use a ton of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among a bunch of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Quincy Mutual Group and Safety by multiple different rate factors, so read on to find out which company is the best for you.

Quincy Mutual Group vs. Safety: Average Car Insurance Rates by State

Quincy Mutual Group and Safety only compete against each other in one states, with Quincy Mutual Group offering less expensive prices to the average driver in all of them. Massachusetts has the most noticable difference, where Quincy Mutual Group rates are $165 cheaper than car insurance prices at Safety.

But there's more to calculating insurance premiums than just the state you live in. 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 group on the road. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of almost 15% less per month by choosing Safety over Quincy Mutual Group.

Even so, both companies will lower premiums by the time you turn 25. For example, average rates for Quincy Mutual Group policyholders decrease about $250 and Safety's premiums reduce over $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Quincy Mutual Group and Safety? In this case, Safety has the slight edge, with rates around $4 a month less than Quincy Mutual Group. That being said, the difference is only about 5%, so other variables will likely come into play when determining which carrier has the lowest prices for you.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for single policyholders than they are for married policyholders? That's generally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with Safety rates coming in at around 10% less than Quincy Mutual Group's. It's not quite so glaring for married drivers, where drivers who use Safety save about $4 per month.

Quincy Mutual Group or Safety: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will often charge women less than men.

Usually, men see prices around $10 a month higher with Quincy Mutual Group, and about $11 more with Safety.

Looking at overall affordability, Safety offers the cheapest average rates for both men and women. On average, women save about $20 per month and men save around $20 with Safety compared to the average Quincy Mutual Group policyholder.

Quincy Mutual Group vs. Safety: 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 can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Safety has the edge, with average monthly premiums coming in at $122. If you want a full coverage policy with the same state minimum limits, Safety again has the edge, with policies averaging about $313 a month to Quincy Mutual Group's $330.

Is Quincy Mutual Group or Safety Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is Quincy Mutual Group or Safety less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Quincy Mutual Group for their car insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Safety policyholders can expect a bit more drastic of an increase of about 32%.

Even so, Safety is normally the cheaper option for drivers both with a ticket and with a clean record, offering prices that are 26% and 13% more affordable, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Quincy Mutual Group can expect to see around an $12 -- or about 6% -- rise in their car insurance premiums. Drivers who use Safety for their insurance will see a monthly bill around $97 (or 43%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Quincy Mutual Group offers the lowest rates for drivers with an at-fault accident on their records, with average premiums coming in at $186 compared to Safety Insurance's $226.

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 insurance bill -- generally a lot more than a collision or speeding ticket. For example, Quincy Mutual Group increases average prices by nearly $200 per month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Safety tends to be cheaper for the average driver, with monthly premiums coming in at about $324 to Quincy Mutual Group's $370.

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

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect many drivers out there.

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

Looking specifically at Safety and Quincy Mutual Group, which company has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Quincy Mutual Group will normally reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Quincy Mutual Group comes in more than 11% more affordable. Drivers with "good" credit scores typically save around 22% with Safety compared to average premiums from Quincy Mutual Group.

Which Company is Best for Drivers with Bad Credit?

Safety typically offers lower prices than Quincy Mutual Group when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 31% a month less with Safety compared to Quincy Mutual Group, and those with "poor" scores usually save an average of around 37% a month.

Is Quincy Mutual Group or Safety 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 how much insurance carriers will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Safety tends to be the cheaper option. Safety's average rates for drivers with 6,000 annual miles come in about 2% more affordable than Quincy Mutual Group. Those who drive 12,000 miles yearly can expect to pay around 14% less with Safety over Quincy Mutual Group.

Quincy Mutual Group or Safety: 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 considerable impact as well. Generally, 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.

Safety tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Safety Insurance's average rates are about 8% less than Quincy Mutual Group. People who live in suburban areas pay around 1% less with Safety compared to Quincy Mutual Group. Those in rural areas can expect to save about 18% with Safety compared to Quincy Mutual Group.

Quincy Mutual Group vs. Safety Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Quincy Mutual Group and Safety so that you can see which one can save you the most money each month.

Annual mileage discounts, distant student discounts, discounts for being a good driver, and mature driver discounts are offered by both companies.

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

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, is Quincy Mutual Group or Safety the best carrier for you and your specific driver profile?

Safety might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You want to save money while purchasing car insurance for a teenager.

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

• Your driving record contains an at-fault collision.

Hopefully, this guide helps you get a good idea of the differences between Quincy Mutual Group and Safety. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Quincy Mutual Group and Safety. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Quincy Mutual Group vs. Safety FAQs

Is Quincy Mutual Group or Safety cheaper?

Safety is the less expensive of the two carriers when looking at national average premiums, with policies averaging $217 per month with Safety and $237 for Quincy Mutual Group. But that doesn't mean Safety will be the cheapest carrier for every driver, since there are lots of different variables that are considered when it comes to your insurance cost.

Who is better, Quincy Mutual Group or Safety?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, Quincy Mutual Group is more affordable for drivers with excellent credit, while Safety offers less expensive rates for drivers with a recent DUI.

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

Auto insurance companies use a lot of different factors when determining the premiums they charge. Variables such as where you live, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Quincy Mutual Group and Safety calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Quincy Mutual Group or Safety is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Quincy Mutual Group or Safety at all, but another you hadn't even thought of!

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.