For a 40-year-old driver with a clean record, car insurance in Quincy, MA, averages about $207 a month ($2,487 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% above the Massachusetts average of $182 a month. Among insurers anyone can buy from in our Quincy table, GEICO and Plymouth Rock have the lowest full-coverage averages, effectively tied at about $165 and $167 a month.
Quincy, just south of Boston on the South Shore, averages about $207 a month for full coverage for our benchmark driver, about $25 a month more than the Massachusetts average. That’s less than Boston, where our guide’s 24 ZIP codes average $252, but more than Milton ($205), Braintree ($196) and Weymouth ($195).
All three Quincy ZIP codes in our data (02169, 02170 and 02171) are priced the same for our benchmark driver, about $207 a month for full coverage, so there’s no ZIP code table on this page. Among insurers anyone can buy from, two are effectively tied at the top in Quincy, GEICO at about $165 a month and Plymouth Rock at $167, and Progressive is close behind at $176.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Quincy ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Quincy averages $2,487 a year, or about $207 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $955 a year ($80 a month), and 50/100/50 liability with comprehensive and collision averages $2,440 ($203 a month).
GEICO and Plymouth Rock are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Quincy table. Priced from published rate studies, USAA* sells only to military families and comes in at about $140 a month, below both. Apart from USAA, the published 2026 statewide Massachusetts rate studies we reviewed divide between GEICO and Plymouth Rock for the cheapest full coverage: GEICO ranks first in four of the eight, Plymouth Rock in two, one has them tied and one puts State Farm first. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average among these five insurers, at about $61 a month, with Plymouth Rock close behind at $65.
Full-coverage averages by insurer in Quincy
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $733 | $61 | $1,984 | $165 |
| Plymouth Rock | $776 | $65 | $1,998 | $167 |
| Progressive | $1,156 | $96 | $2,115 | $176 |
| Safety Insurance | $975 | $81 | $2,971 | $248 |
| Arbella | $1,135 | $95 | $3,366 | $281 |
| USAA (military families)* | $765 | $64 | $1,678 | $140 |
| Norfolk & Dedham* | $1,211 | $101 | $2,744 | $229 |
| Amica* | $1,159 | $97 | $2,867 | $239 |
| Travelers* | $1,580 | $132 | $3,262 | $272 |
| Allstate* | $1,571 | $131 | $3,573 | $298 |
| Quincy average | $955 | $80 | $2,487 | $207 |
This table uses Quincy ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $47 a year on average in our Quincy data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Plymouth Rock and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Quincy ZIP codes, full coverage averaged $2,462 a year nine months earlier and $2,487 in rates as of Aug. 31, 2026, a 1.0% increase. Safety Insurance raised its average 2.7% and Plymouth Rock 2.4%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.2%, led by Plymouth Rock, which raised its liability-only average 7.6%.
Norfolk County averages about $178 a month for full coverage, the sixth-most expensive of the 14 Massachusetts counties we price. Quincy is the fourth-most expensive of the 32 Norfolk County places we price, after Randolph ($255), Stoughton ($216) and Holbrook ($208).
For liability-only coverage at 20/40/5 limits, GEICO has the lowest average we price in Quincy, about $61 a month, and Plymouth Rock is next at $65; Progressive, close behind the leaders for full coverage, averages $96 for liability only. Prices depend on where in Massachusetts you live, not just on your car and driving record.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Boston, about eight miles north, averages $252 a month, and Brockton, about 12 miles south, $296. Braintree, about three miles south, averages $196, and Milton, about three miles west, $205.
Drivers in Quincy follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Quincy averages about $207 a month ($2,487 a year) and liability-only coverage at 20/40/5 limits about $80 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 14% above the Massachusetts average of $182 a month.
GEICO and Plymouth Rock are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Quincy table, at about $165 and $167 a month. USAA*, which sells only to military families, is priced from published rate studies at about $140 a month, below both. Progressive’s average is next, at $176. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average, at about $61 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Braintree, for our benchmark driver. Quincy full coverage averages about $207 a month and Braintree about $196, a difference of about $11 a month for the same driver and car.
Yes, in our data. All three Quincy ZIP codes we price (02169, 02170 and 02171) average about $207 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
In our Quincy data, full coverage (100/300/100 with $500 deductibles) averages about $207 a month and liability-only coverage at 20/40/5 limits about $80, a difference of about $127 a month ($1,532 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Massachusetts law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Quincy full coverage rose 1.0% over the past nine months, from about $2,462 to $2,487 a year. Safety Insurance raised its average 2.7% and Plymouth Rock 2.4%. Liability-only coverage at 20/40/5 limits rose 1.2%.
For our benchmark driver, full coverage in Quincy averages about $207 a month. Nearby, Boston averages about $252, Cambridge about $183 and Somerville about $202. Cambridge and Somerville are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
