Quincy Insurance Rates:

Quincy, MA home insurance is nearly $896 to $1,215, about $74-$101/month. Our detailed analysis reveals consumers can save as much as $422 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Read Quincy, Massachusetts Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Quincy Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2750/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

4 Beds, 4 Baths 3040 sqft Vacation Property Constructed In 1945 with Wood Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $470,000

5 Beds, 5 Baths 2310 sqft Seasonal Residence Constructed In 1990 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1260/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

2 Beds, 2 Bath 1720 sqft Rental Property Constructed In 1983 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1360/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 1960 sqft Primary Residence Constructed In 1943 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1230/5 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $815,000

5 Beds, 5 Bath 4530 sqft Primary Residence Constructed In 1984 with Wood Flooring, Composition Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $680/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

2 Beds, 2 Bath 1440 sqft Rental Property Constructed In 1989 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $210/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

4 Beds, 4 Baths 2820 sqft Seasonal Residence Constructed In 1983 with Hardwood Flooring, Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $850/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Baths 2880 sqft Rental Property Constructed In 1988 with Linoleum, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1750/9 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $250,000

2 Beds, 2 Baths 906 sqft Primary Residence Constructed In 1979 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Quincy Rates & Quotes Analysis:

Quincy Area Estimated House Insurance
Alfred St, Moore St, Saratoga St, Ballou St, Parke Ave, Lind St, Piermont St, Franklin Ave, Forest Ave, 1st St$1,058
Elcott Rd, Livesey Rd, Milton St, Lillian Rd, Cliveden St, Mead St, Nightingale Ave, Willet St, Cheriton Rd, Acton St$1,068
Shawmut Pl, Newcomb St, Bishop Rd, Intervale St, Princess Eve Dr, Shed St, Trescott St, Quarterdeck Rd, Federal Ave, Thomas E Burgin Pkwy$1,044
Brae Rd, Alleyne St, Mortimer Ter, Post Island Rd, Mc Grath Hwy, Dunbarton Rd, Totman St, Avalon Ave, Evans St, Medway St$1,061
Edison Park, Hammond Ct, Chase St, Ryden St, Welgate Cir, Pelican Rd, Cranch St, Montillio St, Sea Ave, Hodgkinson St$1,065

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,289 Homes (10% of total) built between 1980 to 1989 in Quincy are paying home insurance between $1,575-$1,591 in contrast with Braintree Town (+$13), Milton (+$64), Boston (+$14), Weymouth Town (-$11) and Randolph (-$32).
  • Bedrooms: 14,967 2 bedrooms homes (37% of total homes ) in Quincy are paying about $370 in contrast with Braintree Town (+$3), Milton (+$15), Hingham (+$33), Weymouth Town (-$3) and Randolph (-$8).
  • Auto Insurance Bundling: 8,040 Households (40% of all households) in Quincy have 2 vehicles available and when it is bundled with home insurance you can save $211. Discounts for similar bundling in close by locations such as Braintree Town, Milton, Boston come to $212, $219, $213 respectively.
  • Senior Discounts: 9,337 seniors (more than 55 years) occupied housing units (47% of total) in Quincy get discounts between $158 to $160 and differs from Braintree Town ($159), Milton ($164), Weymouth Town ($157).
  • New Homes discounts: New homes such as the 9,524 homes built between 2000 to 2009 in Quincy can save $211 and differs from Braintree Town ($212), Milton ($219), Boston ($213).

Quincy Homeowners insurance Facts

  • Quincy, MA has 19,725 owner occupied houses which is 49.4% of all units whereas Braintree Town, Milton and Boston have 72.26%, 80.23% and 34.24% respectively.
  • Quincy, MA homeowners yearly insurance price at $1,056 is 0.3% of the typical house value of $347,500 which is in contrast with 0.29% in Braintree Town, 0.23% at Milton & 0.28% in Boston.
  • Homeowners in Quincy, MA pay 1.84% of their income ($45,000 to $49,999) in insurance whereas homeowners in Braintree Town, Milton and Boston pay 1.85%, 1.91% and 1.85% respectively.
  • Quincy, MA’s insurance is 4% of monthly housing costs of $2,198/month, for owners with a mortgage compared to 3.94% in Braintree Town, 3.3% at Milton & 3.84% in Boston. But, for households without a mortgage, insurance is 11.8% of costs ($749 in Quincy, MA) in contrast with 13.21% in Braintree Town, 9.98% at Milton & 12.33% in Boston.

Quincy, MA Home Values & Insurance rates

For example, insurance for 253 Homes (1.0% of total homes ) valued between $100,000 to $124,999 in Quincy, MA is about $327. Rates in nearby areas in such as Milton, Boston, Suffolk County are cheaper by $86, $19, $9 respectively while Weymouth Town and Randolph are costlier by $29 and $76 respectively for similar homes.

Quincy, MA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 379 2.0% $73
$100,000 to $124,999 253 1.0% $327
$125,000 to $149,999 161 1.0% $411
$150,000 to $174,999 398 2.0% $485
$175,000 to $199,999 559 4.0% $559
$200,000 to $249,999 1,932 13.0% $675
$250,000 to $299,999 2,506 18.0% $834
$300,000 to $399,999 7,641 55.0% $1056

Renters Insurance in Quincy

  • Average Renters Insurance in Quincy :  $194($16/month)

  • Median Gross Rent in Quincy :  $1,178

  • Quincy Renters Insurance to Median Rent Ratio:  1.36%

  • Average household size of renter-occupied unit :  1.96

Quincy Renters Insurance as a Percentage of Rent

Quincy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 259 1.0% $348
$200 to $299 823 4.0% $798
$300 to $499 1,234 6.0% $1248
$500 to $749 1,458 7.0% $1923
$750 to $999 2,759 14.0% $2673
$1,000 to $1,499 8,249 42.0% $3798
$1,500 or more 4,781 24.0% $5448

Rent Affordability in Quincy:

Approximately 39.0% (8,069) of households are spending more than 35% of their income on gross rent in Quincy

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,177 10.0%
15.0 to 19.9 percent 2,484 12.0%
20.0 to 24.9 percent 2,982 14.0%
25.0 to 29.9 percent 2,627 12.0%
30.0 to 34.9 percent 1,869 9.0%
35.0 percent or more 8,069 39.0%

Quincy Renters Insurance Discounts:

Quincy Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Quincy, MA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,712 53.0% $19.4
2 vehicles available 3,346 16.0% $29.1
3 or more vehicles available 839 4.0% $38.8

Quincy Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,077 5.0% $117
60 to 64 years 1,037 5.0% $94
65 to 74 years 1,619 8.0% $76
75 years and over 2,326 11.0% $58

Protective device discount in Quincy Up to :  $29

Claims-free discount in Quincy Up to :  $38