Best Cheap Auto Insurance in Lowell, MA (2021)

The average Lowell, MA auto insurance rates are $287 per month. The minimum auto insurance in Lowell is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Lowell, Massachusetts, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Lowell is 26.2 minutes
  • The most expensive auto insurance company in Lowell for teen drivers is Progressive
  • The minimum auto insurance required in Lowell, Massachusetts is 20/40/5

Lowell, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Lowell can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lowell, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Lowell to other Massachusetts cities, including Cambridge auto insurance rates, Brockton auto insurance rates, and Lowell auto insurance rates to see how Lowell, Massachusetts auto insurance rates stack up.

Before you buy Lowell, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lowell, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Lowell, Massachusetts

Lowell, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lowell, Massachusetts.

Minimum Required Auto Insurance Coverage in Lowell, Massachusetts

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

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Cheap Lowell, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lowell, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lowell, Massachusetts

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

Cheap Lowell, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lowell, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Lowell, Massachusetts.

Annual Auto Insurance Rates for Teen Drivers in Lowell, Massachusetts

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

Cheap Lowell, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Lowell, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lowell, Massachusetts

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

Cheap Lowell, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lowell, Massachusetts compared to the annual auto insurance rates with a clean record in Lowell, Massachusetts.

Annual Lowell, Massachusetts Auto Insurance Rates by Driving Record

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

Cheap Lowell, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lowell, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Lowell, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Lowell, Massachusetts

Insurance Company Annual Auto 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

Cheap Lowell, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lowell, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Lowell, Massachusetts to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lowell, Massachusetts

ZIP Code Average Annual Rates
1850 $3,450
1851 $3,450
1852 $3,450
1854 $3,450

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Cheap Lowell, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Lowell, Massachusetts auto insurance. Find the cheapest annual Lowell, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lowell, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lowell, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lowell, Massachusetts? Check out the comparison of annual Lowell, Massachusetts auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lowell, Massachusetts

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

Best By Category: Cheapest Auto Insurance in Lowell, Massachusetts

Compare the cheapest auto insurance companies in Lowell, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lowell, Massachusetts

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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The Cheapest Lowell, Massachusetts Auto Insurance Companies

What auto insurance companies in Lowell, Massachusetts are the cheapest? Compare the top Lowell, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lowell, Massachusetts

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

What affects auto insurance rates in Lowell, Massachusetts?

There are a lot of reasons why auto insurance rates in Lowell, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lowell, Massachusetts. Many local factors may affect your Lowell auto insurance rates.

Lowell Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lowell, Massachusetts commute length is 26.2 minutes according to City-Data.

Lowell Traffic

How does Lowell, Massachusetts rank for traffic? According to Inrix Lowell, Massachusetts is the 580th most congested worldwide.

Compare Lowell, Massachusetts Auto Insurance Quotes

Before you buy Lowell, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lowell, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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