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

Quick Facts

• In general, State Farm offers significantly less expensive rates than Quincy Mutual Group
• State Farm offers cheaper average premiums for policyholders whose driving record contains an at-fault collision
• State Farm offers more affordable prices for policyholders who live in rural neighborhoods

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might be considering Quincy Mutual Group or State Farm, but which one has more affordable premiums for car insurance?

Looking at the national average rates for both carriers, Quincy Mutual Group has average rates that are around 35% a month more expensive than those from State Farm.

But that doesn't necessarily mean State Farm will be the less expensive option for each driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

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

Quincy Mutual Group and State Farm only compete against each other in two states, with State Farm offering more affordable prices to the average driver in all of them. Rhode Island has the most noticable difference, where State Farm rates are $170 cheaper than insurance premiums at Quincy Mutual Group.

There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading 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. It's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of over 30% less per month by choosing State Farm over Quincy Mutual Group.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Quincy Mutual Group policyholders reduce almost 55% and State Farm's prices lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Quincy Mutual Group and State Farm? State Farm gets the edge here, with average prices coming in at about $111 monthly compared to Quincy Mutual Group's $168.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more affordable for married drivers than they are for single policyholders? That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two companies is significant, with State Farm prices coming in at a third less than Quincy Mutual Group's. For married couples, the advantage is clear again - State Farm has the edge when it comes to average rates.

Quincy Mutual Group or State Farm: Average Rates by Gender

Did you know men tend to pay more for car insurance than women? That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Generally, women see premiums around 5% a month less with Quincy Mutual Group, but with State Farm, the difference is closer to 7% per month.

Looking at overall affordability, State Farm comes out on top for both men and women. On average, women save about $80 a month and men save about $79 with State Farm compared to the average Quincy Mutual Group policyholder.

Quincy Mutual Group vs. State Farm: 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, insurance isn't the easiest topic to understand. There are a range of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, State Farm has the significant edge, with average monthly rates coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging around $216 per month to Quincy Mutual Group's $330.

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

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

It's no secret secret that speeding tickets and at-fault accidents lead to higher prices, but which company -- Quincy Mutual Group or State Farm -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Quincy Mutual Group for their insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of around 14%.

Even so, State Farm has less expensive prices for drivers in both categories, offering rates that are $40 and $64 cheaper, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with State Farm climbing by about 18%. Quincy Mutual Group has a less extreme rise, but you can still expect to pay 6% more than you were prior to your first collision.

At the end of the day, drivers who use State Farm end up with the cheaper prices after an accident, with average prices coming in at $163 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. On average, Quincy Mutual Group will climb your premiums around 53% after a DUI, while State Farm's average rates climb by more than 25%.

How does Credit Score Impact Quincy Mutual Group and State Farm Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance premiums. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it might come into play for a lot of drivers.

The reasoning auto insurance companies use is that policyholders 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.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Quincy Mutual Group or State Farm 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 car insurance carriers will charge for coverage. Usually, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, State Farm offers cheaper prices than Quincy Mutual Group. Quincy Mutual Group's average rates for drivers with 6,000 annual miles come in about 32% more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay around 35% more with Quincy Mutual Group over State Farm.

Quincy Mutual Group or State Farm: 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 insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads where they live.

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

Those in rural areas can expect to save about $53 with State Farm compared to Quincy Mutual Group. People who live in suburban areas pay around $63 less with State Farm compared to Quincy Mutual Group. For drivers in urban ZIP codes, State Farm's average prices are about $123 less than Quincy Mutual Group.

Quincy Mutual Group vs. State Farm Discounts

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

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 can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Quincy Mutual Group and State Farm so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, State Farm comes out ahead with 23 discounts to Quincy Mutual Group's 18.

A couple of those are overlapping for things like annual mileage discounts, discounts for being a defensive driver, distant student discounts, and mature driver discounts. State Farm also offers discounts for drive safe & save, driver training, DRL, and more.

On the other hand, Quincy Mutual Group has a few proprietary discounts of their own for things like advance quote discounts, continuous insurance discounts, employers subject to ma worker discounts, and more.

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

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Quincy Mutual Group or State Farm the right company for you and your specific profile and needs?

State Farm might be best for you if....

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

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

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Quincy Mutual Group and State Farm and that you can now make a more informed decision when it comes to 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 multiple carriers, not just Quincy Mutual Group and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Quincy Mutual Group vs. State Farm FAQs

Is Quincy Mutual Group or State Farm cheaper?

State Farm is the more affordable of the two carriers when looking at national average prices, with policies averaging $158 a month with State Farm and $237 for Quincy Mutual Group. That being said, that doesn't mean State Farm will be the cheapest company for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Quincy Mutual Group or State Farm?

Sadly, the answer truly is "it depends.". One carrier is not "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Quincy Mutual Group and State Farm offer me different rates?

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

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

The only way to find the insurance carrier 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 auto insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Quincy Mutual Group or State Farm 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.