Compare Lowell, MA Car Insurance Rates (2021)

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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • 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.

Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Lowell, MA

Every driver must carry the minimum car insurance in Lowell, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car 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

Cheapest Lowell, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lowell, MA to rates for a clean record with top companies.

Annual Lowell, Massachusetts Car 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

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.

Annual Car 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

Cheapest Lowell, MA Car Insurance for Seniors

Take a look at Lowell, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Lowell, MA Car Insurance Rates After a DUI

A DUI in Lowell, MA increases car insurance rates. Compare Lowell, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lowell, Massachusetts

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.

Annual Car Insurance Rates by Commute Length in Lowell, Massachusetts

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

Annual Car 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

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.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Lowell, Massachusetts

Find the cheapest car insurance companies in Lowell, MA for each category right here.

Best Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Lowell, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lowell car insurance rates. Find the cheapest Lowell, MA car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Lowell, Massachusetts?

What factors can have an impact on Lowell, MA car insurance? 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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption