Updated May 2026
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What Affects Rates in Quincy
- Quincy sits on the Southeast Expressway (I-93), one of the state's highest-traffic commuter corridors. Daily congestion raises accident frequency, particularly during morning and evening peaks. Carriers price restricted license policies higher for drivers whose approved routes include 93 or Route 3A through Quincy Center and Wollaston.
- Quincy's population density and proximity to Boston place it in a moderate-risk suburban tier. Theft rates and uninsured motorist exposure are higher than rural Massachusetts but lower than downtown Boston. SR-22 filers in Quincy typically see 15–25% rate increases over standard policies.
- Suffolk County logged one blizzard and multiple high wind events in recent years, including a 68 mph gust at Logan Airport in December 2023. Winter storm frequency raises comprehensive and collision claims during suspension periods, affecting hardship policy pricing for year-round coverage.
- Massachusetts requires most hardship applicants to attend an RMV hearing with proof of employment, documented hardship need, and SR-22 certificate in hand. Quincy applicants typically attend hearings at the Braintree RMV Service Center. Processing takes three to four weeks after hearing approval.
Find out exactly how long SR-22 is required in your state
Coverage Recommendations
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
SR-22 Insurance
All Massachusetts hardship license holders require SR-22 filing for the duration of the restricted license, typically three years for DUI-related suspensions.
$25–$50 filing feeEstimated range only. Not a quote.
Non-Owner SR-22
Quincy drivers using MBTA Red Line service or relying on borrowed vehicles for approved hardship routes can maintain compliance with non-owner SR-22 policies at lower monthly premiums.
$50–$90/monthEstimated range only. Not a quote.
Liability Insurance
Massachusetts requires 20/40/5 minimum liability limits, but hardship license holders commuting on Route 93 should consider 100/300/100 to protect against high-value claims in dense traffic.
$90–$160/monthEstimated range only. Not a quote.
Ignition Interlock Insurance
Massachusetts may require IID installation for DUI-related hardship licenses, adding $75–$150 monthly device lease costs on top of SR-22 insurance premiums.
Device: $75–$150/moEstimated range only. Not a quote.