Updated March 2026
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What Affects Rates in Quincy
- Route 3A runs through Quincy's commercial core from North Quincy to Quincy Shore Drive, creating bottlenecks during morning and evening commutes. Accident frequency along this corridor, particularly near Hancock Street intersections, elevates collision coverage costs. Traffic density peaks between Marina Bay and the Braintree line.
- Neighborhoods along Quincy Bay and Wollaston Beach face higher comprehensive claims from coastal storms, saltwater corrosion, and flooding. Nor'easters routinely cause vehicle damage in low-lying areas like Marina Bay and Squantum. Carriers adjust rates upward for ZIP codes 02169 and 02171 due to documented flood risk.
- Most Quincy residents commute to Boston via I-93 or the Red Line, with peak congestion at the Braintree Split and along the Southeast Expressway. Higher annual mileage and daily highway exposure increase collision risk compared to more self-contained suburban markets. The Neponset Circle remains a persistent accident hotspot.
- Rates vary significantly across Quincy's 18 neighborhoods. Wollaston and North Quincy show lower theft rates and more stable premiums, while Germantown and South Quincy face higher claims frequency tied to population density and street parking. West Quincy rates align closer to suburban Braintree than urban Boston.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers injury and property damage you cause to others.
Combines liability, collision, and comprehensive protection.
Covers non-collision damage including weather, theft, and vandalism.
Pays for damage to your vehicle after an accident.
Protects you when hit by a driver without adequate insurance.
Liability Insurance
Essential on Route 3A and I-93 where rear-end collisions are common during rush hour.
Required minimumEstimated range only. Not a quote.
Full Coverage
Recommended for Quincy drivers due to coastal weather risk and high traffic corridors.
$1,650–$2,450/yearEstimated range only. Not a quote.
Comprehensive Coverage
Critical for coastal neighborhoods like Marina Bay and Squantum where nor'easters cause frequent claims.
$350–$650/yearEstimated range only. Not a quote.
Collision Coverage
Valuable given accident frequency at Neponset Circle and along Furnace Brook Parkway.
$600–$950/yearEstimated range only. Not a quote.
Uninsured Motorist
Useful on I-93 where out-of-state drivers frequently pass through the Braintree Split.
$150–$300/yearEstimated range only. Not a quote.