Updated: October 8, 2025
Advertising & Editorial Disclosure
Quincy ranks 10th for full coverage affordability and 14th for minimum liability coverage with average rates of $97 and $52 monthly, respectively.
The insurer earns seventh place nationwide for overall customer satisfaction, due to its strong agent service and positive forum reviews from policyholders.
Quincy claims the sixth-best spot for coverage options, providing unique features like accident forgiveness and new car replacement coverage.
Quincy ranks 12th overall nationally, placing it among moderately strong best car insurance companies for most drivers. It has good coverage options and customer experience, offering comprehensive protection with responsive service.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.19 | 12 |
| Customer Experience | 4.62 | 7 |
| Coverage | 4.00 | 6 |
| Affordability | 4.01 | 12 |
Quincy works best for drivers with a DUI, speeding tickets, accident history and those with newer or older vehicles. Young drivers and drivers with bad credit should skip this insurer due to higher rates.
| Overall Score | 3.84 | 13 |
Your profile and coverage choices affect Quincy car insurance costs, which range from $32 to $1,445 monthly. We've analyzed national costs by age group, gender, coverage level, credit score and driving record to help you make the best decision.
| $240 | $2,883 | 29% | 15 |
Quincy doesn't rank among the cheapest car insurance companies for any driver category. Most drivers, including young drivers, seniors and those with violations, will find it much more expensive on average. Below you can review how affordable Quincy is for your specific driving category.
| Adult Drivers | $51 | $96 | 3% | 12 |
| Drivers With a DUI | $107 | $211 | -10% | 13 |
| Drivers With an Accident | $66 | $122 | 2% | 10 |
| Drivers With a Speeding Ticket | $58 | $109 | -6% | 11 |
| Drivers With Bad Credit | $110 | $226 | 19% | 11 |
| Drivers With Low Income | $71 | $144 | 21% | 12 |
| Drivers With Newer Cars | $65 | $121 | -5% | 11 |
| Drivers With Old Cars | $50 | $95 | 16% | 15 |
| Senior Drivers | $64 | $123 | 15% | 15 |
| Young Drivers | $123 | $250 | 22% | 16 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Quincy offers 14 car insurance discounts, with average savings of up to 14% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle (Account Credit) | Up to 14% (MA) Up to 12% (CT) Up to 10% (General) | Insure both automobile and homeowners policies with Quincy Mutual Group | MA, CT, RI, NY |
Multi-Car | Varies | Two or more autos insured with Quincy Mutual (includes personal auto and company car combinations) | MA, CT, RI, NY |
Good Driver | 10% | All operators on policy have had no at-fault accident in three years | CT (specific), varies by state |
Good Student | Varies | Students with grade point average equal to or above B (3.0) | MA, CT, RI, NY |
Student Away | Varies | Students attending school over 100 miles from vehicle's place of garaging and rated as operators on policy | MA, CT, RI, NY |
Anti-Theft Devices | Up to 35% (MA) Up to 15% (CT) | Automobile equipped with anti-theft device - applies to comprehensive coverage (MA) or coverages other than collision (CT) | MA, CT, RI, NY (percentages vary) |
Annual Mileage/Low Mileage | Varies | Eligible based on annual mileage driven - lower premiums for infrequent or short-distance driving | MA, CT, RI, NY |
Paid in Full | 5% | Policy paid in full by the due date of the first installment | MA, CT, RI, NY |
Deductible Discounts | Varies | Choose higher deductible on Collision and/or Comprehensive (Other Than Collision) coverages | MA, CT, RI, NY |
Early Issue | 5% (MA) 6% (CT) | Buy insurance at least 3 days (MA) or 5 days (CT) before effective date - discount reduces over subsequent renewals | MA, CT (different requirements) |
Quincy earned seventh place for customer experience in MoneyGeek's comprehensive customer satisfaction study. Based on customer feedback across various platforms, the company receives praise for its agent service quality and user-friendly digital tools.
Complaints about claims processing are more frequent than those about other areas of service. Based on our research, we break down the buying, policy management and claims process experiences below.
Customer reviews highlight mixed experiences with Quincy Mutual's purchasing process. While some customers appreciate the competitive rates and bundling discounts, others note limited availability (only serving three states) and reliance on independent agents.
"We use Quincy Mutual for our auto insurance. The rates are good, and we got a discount for having both policies with the same insurer. They don't send us a lot of other offers or junk mail, which I like. I would certainly recommend them!"
Customers report basic online policy management capabilities, though Quincy Mutual lacks a mobile app. Policy management is primarily handled through independent agents rather than direct digital interfaces.
Customer service hours are limited to business hours (8:00 a.m. to 4:30 p.m.), with 24/7 automated billing available. Some customers appreciate the personalized agent approach, while others find the limited digital options inconvenient.
Customer experiences with claims vary. Some customers praise quick response and fair handling: "very reasonable rates, reliable and fast to respond to claims, Was there in a heartbeat when the ice storm came" and note professional adjusters.
Others report unresponsive customer service, lengthy delays and disputes. "I called to report an accident I was in, and the woman taking my call did not sound professional. She sounded annoyed... To put it bluntly, she was quite rude." Multiple customers describe claims taking months to resolve, with some stating "This company will not pay out anything to anyone without a fight."
Quincy ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Quincy's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa- | aaa to d | High credit quality |
S&P Global Financial Strength | NR | AAA to D | Not rated - no available S&P rating found |
Moody's Financial Strength | NR | Aaa to C | Not rated - no available Moody's rating found |
J.D. Power Auto Claims Satisfaction | NR | 1,000-point scale | Data not available (marked as NR) |
J.D. Power Digital Service Experience | NR | 1,000-point scale | Data not available - company not included in regional rankings |
J.D. Power Auto Insurance Shopping Study | NR | Out of 1,000 | Data not available - company not included in study |
J.D. Power Overall Customer Satisfaction | NR | Out of 1,000 | Data not available - company operates primarily in New England region |
NAIC Auto Complaints | NR | 1.00 is average | Data marked as NR (not reported) |
Reddit users and forum members appreciate Quincy Mutual Insurance Co's competitive New England rates, local agent support, and long-standing regional presence since 1851. Many drivers value features like bundling discounts and the mutual company structure. However, some customers report concerns about claims handling difficulties, poor customer service experiences, and limited coverage areas.
Common complaints include Quincy Mutual claims processing disputes and payment delays, unprofessional customer service interactions, and difficulties with third-party claims. Customers report mixed experiences with claims adjusters and some issues with communication and responsiveness.
Here's what real customers are saying about their experiences on forums:
General thoughts on pricing are positive for New England residents, with Quincy offering competitive rates and good bundling discounts:
"We use Quincy Mutual for homeowners and auto insurance. The rates are good, and we got a discount for having both policies with the same insurer. I was disappointed that they do not provide insurance for investment properties, so I had to find another company when I had that need."
"We use Quincy Mutual for our auto insurance. The rates are good, and we got a discount for having both policies with the same insurer. They don't send us a lot of other offers, or junk mail, which I like. I would certainly recommend them!"
"If you purchase a car and homeowners Quincy Mutual policy, you will receive a discount of up to 30 percent on homeowners and 10 percent on your car insurance."
Customers report mixed experiences with claims handling, ranging from excellent service to major disputes:
"I've had two separate water-related problems over the past few years, one storm related. Quincy came through brilliantly in both instances and helped me take care of the problems. I highly recommend them."
"very reasonable rates, reliable and fast to respond to claims, Was there in a heartbeat when the ice storm came and branches and tree debris was everywhere. gutters needed repair etc, did not have a long process wait."
"This company will not pay out anything to anyone without a fight. They use outside unqualified lawyers to make your life miserable as they never pay claims.You will be in court for the smallest of claims against you.Never again for us!"
Customer service experiences vary widely, with some reporting excellent agent support while others face poor phone service:
"Quincy Mutual is small but my fabulous insurance agent, Stacy Quaglia at Morse Insurance, helps me communicate with them so that's not an issue."
"I called to report an accident I was in, and the woman taking my call did not sound professional. She sounded annoyed. She took my information, but if I didn't have the information right at that moment, she would quickly move on. To put it bluntly, she was quite rude. I would not recommend this company to anyone."
"Very unreliable. Never answer calls, never answer emails. Office is closed to public. TERRIBLE COMPANY"
Quincy Mutual's online resources are adequate but limited compared to larger insurers, with a focus on agent-based service:
"Policyholders can log into their Quincy Mutual account online to view their account information using Insured Access. You can also make payments online via check, debit or credit card."
"Quincy Mutual Group allows customers to file and manage claims 24/7 over the phone or through the official website."
"The carrier does not detail its claims process on the official website. If customers have questions about filing claims or the process itself, they can contact an independent insurance agent."
As a Massachusetts-based mutual company with over 170 years of history, Quincy has mixed reputation based on customer experiences:
"Refused to pay the full cost of the claim of their completely at-fault client. Somehow they're covering a client not in [state], but in [state], and are still trying to play by MA rules. Told the body shop I chose that the best they're willing to do is $20 an hour under their posted rate."
"It is insane that we pay thousands for insurance and then when you need them to help you with an accident (that was not even your fault) they do nothing. This has been going on for six months and Quincy Mutual continues to be completely useless."
"Perhaps they are okay if you are a customer, but remember, treat people how you would like to be treated. I would never want someone to have to deal with an insurance company like this if I damaged their vehicle. Reading reviews online, it looks like I'll be lucky to see any reimbursement for the damage to my car. Tread carefully with this company."
People appreciate Quincy's comprehensive coverage options and endorsements, though availability is limited to New England:
"The carrier offers all the standard auto insurance coverage you'd expect, such as bodily injury and property damage liability, collision, comprehensive, uninsured motorists, and personal injury protection (PIP). The carrier also offers substitute transportation coverage and towing and labor coverage."
"Quincy Mutual's optional customized equipment endorsement provides additional coverage for a vehicle's custom parts and upgrades. The coverage can pay to repair or replace customized equipment after a covered loss."
"Coverage is currently only offered to residents and business owners in Massachusetts, Connecticut, and Rhode Island."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Quincy provides standard coverage options like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Auto Enhancement Endorsement | Comprehensive package that includes roadside assistance, disappearing deductible, and pet coverage all in one endorsement | All-in-one enhancement package; multiple benefits bundled together |
Auto Loan/Lease Coverage | Gap coverage that reimburses the difference between your vehicle's current value and any amount remaining on a loan or lease if the car is declared a covered total loss | Financial protection against negative equity; loan payoff coverage |
Customized Equipment Endorsement | Provides additional coverage for a vehicle's custom parts, aftermarket upgrades, and personalized equipment after a covered loss | Custom modification protection; aftermarket equipment coverage |
Merit Rating Points/Accident Forgiveness | Available in Massachusetts, prevents merit rating points from being assessed after your first at-fault accident, protecting your driving record | Massachusetts-specific coverage; driving record protection; first accident forgiveness |
Substitute Transportation Coverage | Covers the cost of rental car or alternative transportation while your vehicle is being repaired after a covered loss | Transportation continuity; rental car reimbursement; repair period coverage |
Towing and Labor Coverage | Provides roadside assistance including towing services, jump starts, flat tire changes, lockout service, and on-site labor | Emergency roadside assistance; towing services; on-site repairs |
Disappearing Deductible | Reduces or eliminates your deductible over time for claims-free driving, rewarding safe driving habits | Deductible reduction reward; safe driver benefit; included in enhancement endorsement |
Pet Coverage | Covers veterinary expenses for pets injured in a covered auto accident while being transported in your vehicle | Pet medical expense coverage; animal injury protection; included in enhancement endorsement |
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Quincy (Directly Offered) | Auto Insurance, home insurance, condo insurance, life insurance, personal umbrella insurance, watercraft & boat insurance, business insurance |
Third-Party Partner | Health insurance, dental insurance, vision insurance, pet insurance, travel insurance, identity theft protection, motorcycle insurance, recreational vehicles, flood insurance |
Quincy excels in customer experience and coverage, earning 10th place for full coverage and 14th for minimum coverage overall. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Quincy car insurance:
Absolutely, Quincy is a legitimate car insurance company that secured 12th place in our comprehensive car insurance provider rankings. The insurer particularly excels in coverage options, where it earned an impressive 6th place ranking among all carriers we evaluated.
Based on our analysis, Quincy does not rank first in any state or territory.
Adults pay an average of $590 annually for minimum coverage and $1,108 for full coverage through Quincy. Annual premiums range from $380 to $7,337 for minimum and $616 to $16,715 for full coverage.
Customer feedback indicates Quincy faces criticism for claim denials, with policyholders reporting rejections for water damage, auto accidents, and property claims through restrictive policy interpretations and documentation requirements, though comprehensive data remains limited.
No, Quincy isn't ideal for high-risk drivers. The company ranks 13th overall for drivers with bad credit, making it less competitive for this high-risk category.
Yes, Quincy raises rates over time due to inflation impacting repair and medical costs, plus increased claims from distracted driving and severe weather. They also adjust pricing based on area risk assessments, regulatory changes, and personal factors like credit score shifts.
No, Quincy isn't ideal for young drivers, ranking 16th for overall affordability with rates averaging $250 monthly for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
