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

Quick Facts

• In general, Travelers offers significantly more affordable premiums than Quincy Mutual Group
• Travelers tends to be a much less expensive option for drivers who have below-average credit
• Travelers has cheaper rates for residents of suburban areas

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Quincy Mutual Group or Travelers as potential options, but between the two, which one has less expensive premiums for auto insurance?

Looking at the national average rates for both carriers, Travelers has average rates that are around 30% a month more affordable than those from Quincy Mutual Group.

However, that doesn't mean Travelers will necessarily be cheaper than Quincy Mutual Group for every driver. Insurance companies use a variety of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among a multitude of other factors), you could see wildly different premiums from the ones above.

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

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

Quincy Mutual Group and Travelers only compete against each other in two states, with Quincy Mutual Group offering less expensive prices to the average driver in all of them. Rhode Island has the most noticable difference, where Travelers rates are $78 more affordable than car insurance prices at Quincy Mutual Group.

But there's more to calculating insurance premiums than just where you call home. 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 out there on the road. 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 still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 30% less per month by choosing Travelers over Quincy Mutual Group.

But both carriers will offer you dramatically lower premiums once you turn 25. Travelers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Quincy Mutual Group's average prices decrease almost 55% during that same period.

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 cheapest rates out there.

So, which carrier offers the best premiums to retired drivers? Travelers gets the edge, with prices for drivers 65 and older $36 cheaper than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable insurance rates than single drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few auto insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Travelers rates coming in at a third less than Quincy Mutual Group's. The advantage for married couples with Travelers is also obvious, where drivers save about $55 a month.

Quincy Mutual Group or Travelers: Average Rates by Gender

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

With Quincy Mutual Group, men usually pay around 5% more per month than women., and about 6% more with Travelers.

When it comes to the lowest premiums for each gender, Travelers comes out on top for both men and women, with average prices 29% less for men and 31% cheaper for women.

Quincy Mutual Group vs. Travelers: 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 insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Travelers has the significant edge, with average monthly rates coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 a month to Quincy Mutual Group's $330.

Is Quincy Mutual Group or Travelers 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 at-fault collisions and speeding tickets lead to higher prices, but which company -- Quincy Mutual Group or Travelers -- has the most affordable premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Quincy Mutual Group for their car insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of around 20%.

Even so, Travelers has less expensive rates for drivers in both categories, offering prices that are 26% and 27% more affordable, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

Quincy Mutual Group drivers who get in an accident can expect to see their premiums increase by over $10, while those who have insurance through Travelers will see about a $45 increase.

At the end of the day, the cheaper rates come from Travelers, with average premiums coming in at $173 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 insurance bill -- typically a lot more than a collision or ticket. Quincy Mutual Group drivers usually see a 53% increase in their car insurance prices after a DUI charge, while Travelers will usually climb premiums by around 38%.

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

Did you know many insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Quincy Mutual Group or Travelers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly rates. Normally, the more milage you put on your vehicle, the more you can expect to pay for coverage.

Travelers tends to be the less expensive option for both remote workers and those taking short commutes. Quincy Mutual Group's average prices for drivers with 6,000 annual miles come in more than $55 more expensive than Travelers. Those who drive 12,000 miles annually can expect to pay $85 more with Quincy Mutual Group over Travelers.

Quincy Mutual Group or Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a large impact on your monthly car insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Travelers boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 24% with Travelers compared to Quincy Mutual Group. People who live in suburban areas pay around 29% less with Travelers compared to Quincy Mutual Group. For policyholders in urban ZIP codes, Travelers's average prices are about 34% less than Quincy Mutual Group.

Quincy Mutual Group vs. Travelers Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Quincy Mutual Group and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Travelers knocks Quincy Mutual Group out of the park when it comes to the sheer number of discounts available, offering seven 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. Travelers also offers discounts for alternative fuel, COVID-19 relief, driver training, and more.

On the other hand, Quincy Mutual Group has a few proprietary discounts of their own for things like annual mileage discounts, employers subject to ma worker discounts, renewal discounts, and more.

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

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, which company is the best one for you and your specific needs?

Travelers might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• Your neighborhood is in a city.
• You and your spouse are buying auto insurance together.

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 better idea of the difference between Quincy Mutual Group and Travelers and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Quincy Mutual Group and Travelers. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Quincy Mutual Group vs. Travelers FAQs

Is Quincy Mutual Group or Travelers cheaper?

Travelers is the cheaper of the two carriers when looking at national average premiums, with policies averaging $167 per month with Travelers and $237 for Quincy Mutual Group. That being said, that doesn't mean Travelers will be the lowest carrier for each policyholder, since there are lots of different factors that are considered when it comes to your car insurance bill.

Who is better, Quincy Mutual Group or Travelers?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

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

Insurance companies use many different variables when calculating the prices they charge. Factors like age, your driving record, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Quincy Mutual Group and Travelers calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Quincy Mutual Group or Travelers 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.