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

Quick Facts

• Looking at the national averages for insurance, Vermont Mutual offers significantly more affordable rates than Quincy Mutual Group
• Quincy Mutual Group may help you save more money -- they offer more discounts than Vermont Mutual
• Vermont Mutual has cheaper prices for policyholders who live in the suburbs

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Quincy Mutual Group or Vermont Mutual as your top options, but which one will save you the most?

Looking at the national average rates for both carriers, Quincy Mutual Group has average rates that are around 25% a month more expensive than those from Vermont Mutual.

That being said, that doesn't necessarily mean Vermont Mutual will be the less expensive option for every single driver. Car insurance companies use tons of complex algorithms to determine rates, so depending on how clean your driving record is or how old you are (among a wide array of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Quincy Mutual Group or Vermont Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

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

Quincy Mutual Group and Vermont Mutual only compete against each other in one states, with Quincy Mutual Group offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Quincy Mutual Group premiums are $40 less expensive than insurance rates at Vermont Mutual.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. It'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.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of over 35% less per month by choosing Vermont Mutual over Quincy Mutual Group.

But with both companies, you'll see your rates decrease significantly by the time you turn 25. For example, average prices for Quincy Mutual Group policyholders drop about $250 and Vermont Mutual's premiums reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

When looking at Quincy Mutual Group and Vermont Mutual specifically, which company is best for retired drivers? Vermont Mutual gets the edge, with rates for drivers 65 and older more than 20% more affordable than the national average for Quincy Mutual Group.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be less expensive for married couples than they are for single policyholders. That's usually because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Vermont Mutual prices coming in at a quarter less than Quincy Mutual Group's. The advantage for married policyholders with Vermont Mutual is also obvious, where drivers save over 25% a month.

Quincy Mutual Group or Vermont Mutual: Average Rates by Gender

Men generally pay more for car insurance than women. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

With Quincy Mutual Group, women usually pay more than $10 per month less than men, and about $14 less with Vermont Mutual.

Looking at overall affordability, Vermont Mutual comes out as the cheapest option for both genders. On average, women save about $66 a month and men save around $63 with Vermont Mutual compared to the average Quincy Mutual Group policyholder.

Quincy Mutual Group vs. Vermont Mutual: 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 can be pretty complicated. There are many different coverages that account for lots 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) 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, Vermont Mutual has the significant edge, with average monthly prices coming in at $85. If you want a full coverage policy with the same state minimum limits, Vermont Mutual again has the edge, with policies averaging about $261 per month to Quincy Mutual Group's $330.

Is Quincy Mutual Group or Vermont Mutual 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.

Accidents and speeding tickets will most likely raise your rates, but is Quincy Mutual Group or Vermont Mutual cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Quincy Mutual Group for their insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. Vermont Mutual policyholders can expect a less drastic increase of about 6%.

Even so, Vermont Mutual tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are $57 and $95 more affordable, respectively, compared to Quincy Mutual Group.

Which Company is Best for Drivers After an Accident?

Quincy Mutual Group drivers who get in a collision can expect to see their prices climb by 6%, while those who have insurance through Vermont Mutual will see around a 20% increase.

At the end of the day, Vermont Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $144 compared to Quincy Mutual Group's $186.

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. For example, Quincy Mutual Group increases average premiums by nearly $200 a month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Vermont Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $307 to Quincy Mutual Group's $370.

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

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

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Vermont Mutual will normally reward you the most. For policyholders with "excellent" credit scores, Vermont Mutual comes in more than 17.46 more affordable. Drivers with "good" credit scores generally save around 37% with Vermont Mutual compared to average prices from Quincy Mutual Group.

Which Company is Best for Drivers with Bad Credit?

Vermont Mutual typically offers lower premiums than Quincy Mutual Group when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 41% per month less with Vermont Mutual compared to Quincy Mutual Group, and those with "poor" scores typically save an average of around 30% per month.

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

How much you drive can have a big impact on how much auto insurance companies will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

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

Quincy Mutual Group or Vermont Mutual: 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 insurance, but the type of area you live in can have a large impact as well. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Vermont Mutual generally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Vermont Mutual's average premiums are around $109 less than Quincy Mutual Group. People who live in suburban areas pay about $55 less with Vermont Mutual compared to Quincy Mutual Group. Those in rural areas can expect to save around $28 with Vermont Mutual compared to Quincy Mutual Group.

Quincy Mutual Group vs. Vermont Mutual 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 with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

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

Looking at the total number of discounts, Quincy Mutual Group comes out ahead with 18 discounts to Vermont Mutual's 14.

Both companies offer lots of the same discounts -- like advance quote discounts, anti-theft discounts, distant student discounts, and discounts for insuring multiple cars with the same company -- but Quincy Mutual Group also offers discounts for continuous insurance, defensive driver, employers subject to ma worker, and more.

On the other hand, Vermont Mutual has a few proprietary discounts of their own like driver training discounts and experienced operator discounts.

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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best fit for you?

Vermont Mutual might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You have above-average credit.
• You've started working from home and don't have much of a commute.

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

• You care about discounts (Quincy Mutual Group offers the most).

Hopefully, this guide has ben a valuable resource as you compare Quincy Mutual Group and Vermont Mutual and that it aids in making a more informed decision about your auto 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 a handful of companies, not just Quincy Mutual Group and Vermont Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Quincy Mutual Group vs. Vermont Mutual FAQs

Is Quincy Mutual Group or Vermont Mutual cheaper?

Vermont Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $173 a month with Vermont Mutual and $237 for Quincy Mutual Group. But that doesn't mean Vermont Mutual will be the most affordable company for everyone, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Quincy Mutual Group or Vermont Mutual?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile.

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

Insurance carriers use many different variables when calculating the prices they charge. Factors such as gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be used. Both Quincy Mutual Group and Vermont Mutual calculate rates differently, 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 variety of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Quincy Mutual Group or Vermont Mutual 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.