Best Lowell, MA Car Insurance in 2024
Car insurance in Lowell, MA averages $287 a month. Lowell, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Lowell car insurance rates, compare quotes from the top car insurance companies in Lowell, MA.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Lowell, MA after a DUI are $4,242/year
- The cheapest car insurance company in Lowell for teen drivers is State Farm
- The cheapest car insurance company in Lowell is State Farm
If you need to buy Lowell, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Lowell, MA is right here.
You’ll find Lowell car insurance rates, the cheapest Lowell, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Lowell, Massachusetts car insurance rates to Quincy car insurance rates, Worcester car insurance rates, and Fall River car insurance rates.
Ready to find affordable Lowell, MA car insurance today? Enter your ZIP code for fast, free Lowell car insurance quotes.
Cheapest Lowell, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lowell, MA car insurance rates? Every Lowell, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,601 | $2,601 | $2,601 | $2,601 | $7,622 | $7,622 | $2,910 | $2,910 |
| Geico | $2,295 | $2,295 | $2,140 | $2,140 | $5,731 | $5,731 | $2,363 | $2,363 |
| Liberty Mutual | $3,450 | $3,450 | $3,005 | $3,005 | $9,371 | $9,371 | $3,610 | $3,610 |
| Progressive | $2,698 | $2,698 | $2,592 | $2,592 | $10,278 | $10,278 | $2,911 | $2,911 |
| State Farm | $1,181 | $1,181 | $1,181 | $1,181 | $2,957 | $2,957 | $1,181 | $1,181 |
| Travelers | $2,792 | $2,792 | $2,469 | $2,469 | $5,680 | $5,680 | $3,091 | $3,091 |
| USAA | $1,815 | $1,815 | $1,786 | $1,786 | $4,287 | $4,287 | $2,001 | $2,001 |
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Minimum Car Insurance in Lowell, MA
Every driver must carry the minimum car insurance required by the state in Lowell, MA. Take a look at the Massachusetts car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Lowell, MA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lowell, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,024 | $4,568 | $5,118 | $3,024 |
| Geico | $2,495 | $3,454 | $3,939 | $2,641 |
| Liberty Mutual | $3,811 | $5,251 | $6,280 | $4,094 |
| Progressive | $3,868 | $5,483 | $4,340 | $4,788 |
| State Farm | $1,288 | $1,756 | $2,074 | $1,383 |
| Travelers | $2,734 | $3,779 | $4,049 | $3,470 |
| USAA | $1,752 | $2,283 | $3,892 | $1,963 |
Cheapest Lowell, MA Car Insurance for Teen Drivers
Teen car insurance in Lowell, MA can be expensive. Take a look at rates from the top car insurance companies in Lowell for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,622 | $7,622 |
| Geico | $5,731 | $5,731 |
| Liberty Mutual | $9,371 | $9,371 |
| Progressive | $10,278 | $10,278 |
| State Farm | $2,957 | $2,957 |
| Travelers | $5,680 | $5,680 |
| USAA | $4,287 | $4,287 |
Cheapest Lowell, MA Car Insurance for Seniors
Take a look at Lowell, MA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,601 | $2,601 |
| Geico | $2,140 | $2,140 |
| Liberty Mutual | $3,005 | $3,005 |
| Progressive | $2,592 | $2,592 |
| State Farm | $1,181 | $1,181 |
| Travelers | $2,469 | $2,469 |
| USAA | $1,786 | $1,786 |
Cheapest Lowell, MA Car Insurance Rates After a DUI
A DUI in Lowell, MA increases car insurance rates. Compare Lowell, Massachusetts car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,118 |
| Geico | $3,939 |
| Liberty Mutual | $6,280 |
| Progressive | $4,340 |
| State Farm | $2,074 |
| Travelers | $4,049 |
| USAA | $3,892 |
Cheapest Lowell, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lowell, MA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,801 | $4,066 |
| Geico | $3,074 | $3,190 |
| Liberty Mutual | $4,669 | $5,049 |
| Progressive | $4,620 | $4,620 |
| State Farm | $1,588 | $1,663 |
| Travelers | $3,342 | $3,674 |
| USAA | $2,403 | $2,541 |
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Cheapest Lowell, MA Car Insurance Rates by ZIP Code
Lowell car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lowell, MA.
| ZIP Code | Average Annual Rates |
|---|---|
| 1850 | $3,450 |
| 1851 | $3,450 |
| 1852 | $3,450 |
| 1854 | $3,450 |
The Best Cheap Car Insurance Companies in Lowell, MA
Take a look at a side-by-side comparison of the top car insurance companies in Lowell, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,934 |
| Geico | $3,132 |
| Liberty Mutual | $4,859 |
| Progressive | $4,620 |
| State Farm | $1,625 |
| Travelers | $3,508 |
| USAA | $2,472 |
Category Winners: Cheapest Car Insurance in Lowell, Massachusetts
Find the cheapest car insurance companies in Lowell, MA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Lowell, MA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lowell car insurance rates. Find the cheapest Lowell, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,610 | $3,999 | $4,192 |
| Geico | $2,878 | $3,185 | $3,333 |
| Liberty Mutual | $4,504 | $4,925 | $5,147 |
| Progressive | $4,208 | $4,696 | $4,954 |
| State Farm | $1,465 | $1,652 | $1,758 |
| Travelers | $3,160 | $3,579 | $3,785 |
| USAA | $2,277 | $2,512 | $2,628 |
What affects car insurance rates in Lowell, Massachusetts?
What are the factors that affect car insurance rates in Lowell, MA? There are several reasons why Lowell car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lowell, Massachusetts.
Commute Time in Lowell
The more time you spend in your car the higher the risk of an accident. The average commute length in Lowell, MA is 26.2 minutes according to City-Data.
Traffic in Lowell
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lowell, MA traffic data from INRIX ranks Lowell as the 580th-most congested in the world.
Compare Car Insurance Quotes in Lowell, MA
Ready to find affordable Lowell, Massachusetts car insurance today? Enter your ZIP code for fast, free Lowell, MA car insurance quotes.
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Frequently Asked Questions
What factors affect car insurance rates in Lowell, MA?
Several factors can affect car insurance rates in Lowell, MA, including:
- Driving record: A clean driving record with no accidents or violations usually leads to lower premiums.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates.
- Age and experience: Younger drivers and those with less driving experience often face higher insurance rates.
- Location: Insurance rates can vary based on where you live, including factors like crime rates and population density.
- Coverage options: The coverage options and limits you choose for your policy will affect the cost.
What are the minimum car insurance requirements in Lowell, MA?
In Lowell, MA, drivers must meet the state’s minimum car insurance requirements, which include:
- $20,000 bodily injury liability coverage per person.
- $40,000 bodily injury liability coverage per accident.
- $5,000 property damage liability coverage per accident.
How can I find affordable car insurance in Lowell, MA?
To find affordable car insurance in Lowell, MA, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid accidents and traffic violations.
- Increase your deductibles, which can lower your premiums.
- Ask about discounts, such as multi-policy, good student, or safe driver discounts.
- Consider bundling your car insurance with other insurance policies, such as home or renters insurance, for potential discounts.
What additional coverage options should I consider for car insurance in Lowell, MA?
While the minimum required coverage is a good starting point, you may want to consider additional coverage options for enhanced protection. Some common options include:
- Collision coverage: Covers damage to your vehicle in the event of an accident.
- Comprehensive coverage: Provides coverage for non-collision-related damages, such as theft, vandalism, or weather-related incidents.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
Are there any specific considerations for car insurance in Lowell, MA?
When getting car insurance in Lowell, MA, it’s essential to consider factors unique to the area. Some considerations may include:
- Winter driving conditions: Lowell experiences cold winters, so it’s important to have coverage for potential weather-related incidents.
- Commute distance: The distance and type of commute you have may influence your insurance rates.
- Traffic congestion: Heavily congested areas may have higher accident rates, which can affect insurance premiums.
- Local laws and regulations: Staying informed about local traffic laws and regulations can help you make informed insurance decisions.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.