Updated: November 4, 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 appreciate Quincy Mutual Insurance Co's competitive New England rates, local agent support and 173-year regional presence. Drivers value bundling discounts and the mutual company structure, which returns profits to policyholders rather than shareholders.
Still, customers report concerns about claims handling, customer service and limited coverage outside New England. Common complaints include claims processing disputes, payment delays and unprofessional service interactions. Customers describe mixed experiences with claims adjusters and communication challenges.
Here's what real customers say about their experiences:
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 but don't reflect overall service quality. For a clearer picture, combine user reviews with J.D. Power ratings, independent agent recommendations, National Association of Insurance Commissioners (NAIC) complaint data and Insurance Information Institute research.
Quincy offers the same standard coverage options as other leading insurers, including liability, comprehensive and collision protection. It also provides the following add-ons:
Auto Enhancement Endorsement | Bundles roadside assistance, disappearing deductible and pet injury coverage into one endorsement | All-in-one enhancement package with multiple benefits |
Auto Loan/Lease Coverage | Pays the difference between your vehicle's actual cash value and your remaining loan or lease balance after a covered total loss
| Financial protection against negative equity and loan payoff |
Customized Equipment Endorsement | Covers custom parts, aftermarket upgrades and personalized equipment damaged in a covered loss
| Custom modification and aftermarket equipment protection |
Merit Rating Points/Accident Forgiveness | Prevents merit rating points after your first at-fault accident in Massachusetts, protecting your driving record | Massachusetts-only coverage protecting your driving record |
Substitute Transportation Coverage | Pays for rental cars or alternative transportation while your vehicle is repaired after a covered loss | Transportation continuity, rental car reimbursement and repair period coverage
|
Towing and Labor Coverage | Covers towing, jump starts, flat tire changes, lockout service and on-site labor | Emergency roadside assistance, towing services and on-site repairs |
Disappearing Deductible | Reduces your deductible over time for each year of claims-free driving | Deductible reduction reward and safe driver benefit (included in enhancement endorsement) |
Pet Coverage | Pays veterinary bills for pets injured in a covered auto accident while riding in your vehicle | Pet medical and animal injury coverage (included in enhancement endorsement)
|
You can bundle these additional insurance types with your auto policy or purchase them 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 Mutual excels in customer experience and coverage options, ranking 10th for full coverage and 14th for minimum coverage in our analysis. Compare quotes from multiple insurers and evaluate your coverage needs before purchasing a policy.
The following are MoneyGeek’s expert answers to common questions about Quincy car insurance.
Yes. Quincy Mutual ranked 12th in our car insurance provider rankings and placed sixth for coverage options among all insurers we evaluated.
Quincy Mutual doesn't rank first in any state or territory based on our analysis.
Adults pay $590 yearly for minimum coverage and $1,108 for full coverage through Quincy Mutual. Annual premiums range from $380 to $7,337 for minimum coverage and $616 to $16,715 for full coverage.
Some customers have criticized Quincy for denying certain claims, including those related to water damage, auto accidents and property losses. Policyholders say these denials often stem from strict policy terms or documentation requirements, though broader data on this issue is limited.
No. Quincy isn’t the best choice for high-risk drivers. It ranks 13th overall for those with bad credit, which makes it a less competitive option for this group.
Yes. Quincy Mutual raises rates due to inflation affecting repair and medical costs, plus increased claims from distracted driving and severe weather. The company also adjusts pricing based on area risk, regulatory changes and personal factors like credit score changes.
No. Quincy Mutual ranks 16th for young driver affordability, with full coverage averaging $250 monthly.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code to see how Quincy Mutual performs against competitors.
Standard Driver Profile Used for Analysis
We used a baseline driver profile for consistent rate comparisons:
We modified specific variables (age, driving record, credit score and military status) to determine which insurers offer the best rates for different driver categories.
Coverage Definitions
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 focuses on three main 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
