Cheapest Auto Insurance in Quincy, Massachusetts (2025)

Quincy, a Boston suburb, has around 100,000 residents and its fair share of traffic congestion.1 Drivers in Quincy pay an average of $146 per month for car insurance, which is significantly lower than the national average of $144 per month. Despite the busy Greater Boston region, Quincy residents pay affordable car insurance rates overall.

Comparing quotes from multiple insurers is the best way to find cheap car insurance in Quincy. Here’s what you need to know about car insurance in Quincy, including finding ways to save on coverage.

3 of the cheapest car insurance companies in Quincy

Quincy drivers can choose from several affordable high-quality car insurance companies. The best car insurance for you depends on your specific needs and driver profile. Rates vary based on your driving record and ZIP code, so it’s smart to shop around.

Here are some of the best car insurance companies for different types of drivers in Quincy. The quotes for these three top insurers reflect statewide average costs in Massachusetts.

Best insurer for cheap rates: Midvale Home & Auto

Best insurer for full coverage: Travelers

Best insurer for discounts: Safeco

How to get the cheapest car insurance in Quincy

You can save more on auto coverage in Quincy with the following strategies:

• Find discounts. Most car insurance companies offer generous discounts. Contact your insurance agent or visit the company’s website if you have questions about which discounts you qualify for.

• Choose the right vehicles. Cars with advanced safety features and a strong safety record often cost less to insure.

• Raise your deductible. A higher deductible typically means you’ll have lower monthly premiums — though you’ll have to pay higher out-of-pocket costs in the event of a claim.

• Bundle policies. Purchasing car insurance and homeowners insurance from the same company is an easy way to qualify for discounts and save money.

• Shop around. Whether you’re researching online or working with an independent insurance agency, comparing quotes from multiple different companies lets you compare rates side by side and find the best price.5

Cheapest liability-only car insurance in Quincy: State Farm

If you cause a car accident, liability insurance covers the other driver’s vehicle repairs and medical bills. It doesn’t cover your own vehicle repairs. State Farm offers the cheapest liability-only policies in Quincy, at $70 per month.

The table below lists the cheapest liability-only coverage options in Quincy.

Cheapest full-coverage car insurance in Quincy: State Farm

Full-coverage automobile insurance includes liability insurance, as well as collision coverage and comprehensive coverage. A full-coverage policy covers the other driver’s damages as well as your vehicle’s damages in an at-fault accident or non-collision incident, like vehicle theft. If you own a high-value vehicle or finance your vehicle, full-coverage policy may be right for you, although it is typically required if you have an auto loan or lease on your car.

Quincy drivers can find the cheapest full-coverage insurance with State Farm, with rates of $79 per month.

Here are the cheapest car insurance companies in Quincy for full-coverage insurance.

Car insurance requirements in Massachusetts

Massachusetts drivers must carry a minimum amount of auto insurance. Drivers must carry bodily injury liability insurance, property damage liability insurance, and uninsured motorist coverage that meets minimum limits.

Massachusetts is a no-fault state, which is why drivers must also carry personal injury protection (PIP). A no-fault state requires both drivers in an accident to file any injury claims through their insurance, regardless of fault. PIP covers your own medical bills in the event of an accident.

Here are the specific coverage limits required in Massachusetts:6

If you want some additional coverage, you can add the following optional coverages to your car insurance policy:

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record, such as a speeding ticket, driving under the influence charge, or at-fault accident, often deal with higher rates. Car insurers see these drivers as a greater risk for future claims and charge them higher monthly premiums to offset the likelihood of a claim.

Massachusetts has a points-based system, the Safe Driver Insurance Plan (SDIP), that can increase the cost of coverage for drivers with past incidents and decrease costs for good drivers.7

Here are the cheapest car insurance companies in Quincy for drivers with different types of incidents on their driving records.

Average cost of car insurance by age

While age is one of the most important rating factors that car insurance companies consider when determining your rates, Massachusetts prohibits insurers to use your age as a rating factor when determining your car insurance premium. Instead, insurance companies in Massachusetts factor the amount of years behind the wheel.

Teen drivers typically pay the highest car insurance rates due to a lack of driving experience and a higher likelihood of having a serious accident. Drivers will see better rates that decrease with age between 25 and 70. Then, rates increase slightly for senior drivers older than 70 due to age-related risk factors.

The table below shows the average monthly quote in Quincy for different age groups.