Quincy Car Insurance

Quincy, Massachusetts, is named for the eldest son and 6th president of the United States, John Quincy Adams.

In 2008, Massachusetts deregulated its insurance market which reduced car insurance prices an average of 12.7 percent. The deregulation, reliable public transportation and extremely low rate of uninsured drivers in Massachusetts make car insurance in Quincy a pretty good deal.

Enter your zip code above to find Quincy car insurance rates to fit your budget!

Minimum Car Insurance Required to Drive Legally

$20,000.00 per person and $40,000.00 per accident of bodily injury liability protection are required for both driver and uninsured and underinsured motorist protection. $8,000.00 of personal injury protection per accident is also required.

The minimum legal amount of protection for property damage liability is $5,000.00.

It is not required to show proof of insurance in a separate document. Proof of insurance is included on the car registration document kept in the vehicle at all times.

Real Car Insurance Consumers in Quincy

Sarah, age 70, is a retired real estate broker; her husband John, age 72, is a private practice attorney. Both are very active and use their vehicles almost daily.

John drives a 2014 Chrysler 300C and Sarah loves her 2011 Honda Odyssey for taking her friends places and for shopping. One year ago, John was involved in an accident related to driving conditions and his vehicle was a total loss.

Sarah and John have several real estate investments including the building where John has his law office. It is important that their assets are protected, so they have used a premium level of car insurance for many years.

In fact, John and Sarah have additional riders that add even more protection.

Protection amounts are increased by most insurance companies on an individual basis.Premium level protection provides the following coverage:

• $250,000.00 per person and $500,000.00 per accident for bodily injury protection.
• $100,000.00 for property damage.
• $250,000.00 per person and $500,000.00 per accident for bodily injury caused by uninsured or underinsured motorist.
• $100,000.00 for property damage caused by uninsured or underinsured motorist.
• $75.00 towing allowance.
• $900.00 rental car allowance.
• Full glass coverage

Premium level coverage has a $250.00 deductible payment requirement.

Sarah and John are covered by Citizens Insurance. The monthly price for premium level coverage as detailed above is $84.00 per month.

The personal service the company offered John after his accident last year caused him to be very loyal to their Citizens Insurance agent. Even if the price were higher, they would not consider changing insurance providers.

If they researched their other options, they would discover the monthly prices for premium level coverage as follows:

1. Carrier Insurance - $83.00
2. Citizens Insurance - $84.00
3. Amica Mutual - $109.00
4. Liberty Mutual - $113.00
5. Safety Insurance Company - $117.00
6. Arbella Mutual - $151.00
7. Progressive - $173.00
8. Premier Insurance Company of Massachusetts - $199.00
9. Plymouth Rock Assurance - $255.00

Paula is a paralegal who works for John the attorney. She is 27 years old and married to Jordan who is 31 and an emergency room nurse at the Quincy Medical Center.

Paula and Jordan are saving to buy a home and are keeping their auto expenses as low as possible. Paula drives a 2007 Toyota Prius and Jordan’s vehicle is a 2006 Ford Explorer. Paula and Jordan researched basic-level coverage and learned that the basic level offers the protections listed below:

• $50,000.00 per person and 100,000.00 per accident for bodily injury protection.
• $25,000 property damage protection.
• $50,000.00 per person and $100,000.00 per accident for uninsured and underinsured motorist coverage.
• $25,000.00 for property damage caused by uninsured and underinsured motorists.
• $50.00 towing allowance

The deductible payment on basic level coverage is $500.00. Basic level does not offer rental car or glass coverage.

The monthly prices listed below deliver basic level coverage to Paula, Jordan, and their two vehicles:

1. Citizens Insurance Company of America - $134.00
2. Commerce Insurance - $143.
3. Amica Mutual - $145.00
4. Safety Insurance - $148.00
5. Arbella Mutual - $155.00
6. Premier Insurance Company of Massachusetts -$177
7. Metropolitan Property and Casualty -$181.00
8. Liberty Mutual - $207.00
9. Progressive -$214.00
10. Plymouth Rock Assurance - $345.00

Paula and Jordan discovered that their car insurance could be upgraded to an extended level coverage policy for a very small amount, or even less per month with several of the insurance companies operating in Quincy.

Extended level coverage provides the following protections and services:

• $100,000.00 per person and $300,000.00 per accident for bodily Injury.
• $50,000.00 for property damage.
• $100,000.00 per person and $300,000.00 for bodily injury caused by uninsured and underinsured motorists.
• $50,000.00 for property damage caused by uninsured or underinsured motorists.
• $75.00 towing allowance.
• $600.00 rental car allowance.

Extended level requires a deductible payment of $500.00 and does not offer full glass coverage.

Monthly prices for Paula, Jordan, and their two vehicles for extended level car insurance in Quincy are as follows:

1. Citizens Insurance Company of America - $131.00
2. Commerce Insurance Company - $139.00
3. Amica Mutual - $144.00
4. Safety Insurance Company - $156.00
5. Arbella Mutual - $163.00
6. Metropolitan Property and Casualty - $163.00
7. Premier Insurance Company of Massachusetts - $180.00
8. Progressive - $204.00
9. Liberty Mutual - $216.00
10. Plymouth Rock Assurance - $350.00

Kelly, age 24, is a recent graduate of Quincy College. Kelly only just became employed by the Massachusetts Department of Conservation and Recreation as a park attendant at the Blue Hills Reservation.

Kelley has not had the resources to purchase a vehicle, but her uncle gave her his 2002 Chevrolet Malibu. In order to have the car registered in her name, Kelly must get at least the minimum legal coverage for Massachusetts.

The minimum legal car insurance requirements for Massachusetts are listed below:

• $20,000.00 per person and $40,000.00 per accident to pay for bodily injury for driver, other drivers, and passengers.
• $20,000.00 per person and $40,000.00 per accident for bodily injury caused by uninsured and underinsured motorists.
• $5,000.00 for all property damage coverage.
• $8,000.00 of personal injury protection per accident.

There is no towing allowance, glass coverage, or rental car coverage. The deductible payment for minimum legal liability is $1,000.00.

The insurance companies listed below will give Kelly minimum legal car insurance for the identified monthly payments:

1. Citizens Insurance Company of America - $41.00
2. Arbella Mutual - $42.00
3. Commerce Insurance Company - $43.00
4. Safety Insurance Company - $44.00
5. Amica Mutual -$48.00
6. Liberty Mutual - $48.00
7. Premier Insurance Company of Massachusetts - $50.00
8. Progressive - $78.00
9. Plymouth Rock Assurance - $88.00

Quincy, Massachusetts, has affordable car insurance for almost every licensed driver.

In order to get the best coverage at the lowest price, Quincy drivers benefit by researching and updating information upon renewal and at each age and experience milestone.

Do your own research now by simply entering your zip code into the FREE quote tool below!