Lowell, MA Auto Insurance: Cheap Auto Insurance in Lowell, Massachusetts
Lowell, MA auto insurance rates average $287.50/mo or $3,449.96 annually. The cheapest auto insurance in Lowell, MA comes from State Farm at $107/mo. for a clean driving record, but other insurance companies in Lowell, MA may have a better rate for you. Auto insurance costs in Lowell, MA are not affected by gender thanks to state law. Find cheap auto insurance in Lowell, MA today by comparison shopping.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Nov 27, 2023
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- The average cost for auto insurance in Lowell, MA is $287.50 per month.
- In Massachusetts, insurance companies cannot use gender to determine your auto insurance rates.
- Massachusetts also banned insurance companies from using your credit history to calculate auto insurance rates.
Are you looking for cheap auto insurance in Lowell, MA? Lowell, the fourth-biggest city in Massachusetts, has quite the historical past. Once a manufacturing powerhouse for textiles during the industrial revolution, high-tech manufacturing overtook the city in the 1980s. Are your Lowell, MA auto insurance rates ready for an industrial revolution?
Follow our comprehensive guide to secure cheap car insurance in Lowell, MA right now. We’ll cover everything you need to know.
Ready to get the best auto insurance in Lowell, MA? Enter your ZIP code into our FREE tool above to get started.
Auto Insurance Rates in Lowell
Ready to secure the best auto insurance in Lowell? The average auto insurance cost in Lowell is $287.50 per month and $3,449.96 annually. Most states allow companies to determine your auto insurance by age and gender. However, as of 2012, Massachusettes auto insurance companies can no longer use gender in rate calculations.
The city of Lowell, MA also does not have varying rates for auto insurance by ZIP code. The street you live on does not impact what you pay.
So, how do you get the cheapest rates in Lowell? Prove to insurance companies that you are a low-risk driver for them to insure. Keep reading to find out what we mean.
Does gender and age affect my auto insurance in Lowell?
What’s the cheapest auto insurance in Lowell, Massachusetts? The answer will be different depending on your individual needs. In most states, companies determine your auto insurance rates by gender and age. Most often, women aged 60 receive the lowest average auto insurance rates by gender and age monthly.
Remember, taking gender into consideration when calculating auto insurance rates is illegal in Massachusetts.
Your age, on the other hand, still makes a difference. Young drivers have very little experience behind the wheel and are statistically more likely to get into an accident. To offset the potential risk they pose to insurance companies, they are charged dramatically higher than average auto insurance rates. See what we mean in the table below.
| Age | Average Auto Insurance Rate |
|---|---|
| 60-years old | $2,253.39 |
| 35-years old | $2,404.45 |
| 25-years old | $2,581.01 |
| 17-years old | $6,561.00 |
Once you hit 25, your annual rates decrease dramatically and continue to do so as you age. The following graph breaks down the monthly costs for auto insurance a 17-year-old pays versus a 34-year-old.
If you’re a teen driver, look for driving schools in Lowell, MA, who offer safe driving courses. Good student discounts combined with driver’s education courses may help lower your rates.
What ZIP codes have the cheapest auto insurance rates in Lowell?
Companies commonly determine your rates for auto insurance by ZIP code. In order to fairly determine your insurance by ZIP codes, reviews of city density, and crime rates are performed. The neighborhoods with the highest auto insurance rates by ZIP codes usually have more people and more crime. The lowest insurance ZIP codes are usually less populated and have lower crime rates. Even though Lowell has four different ZIP codes, every neighborhood pays the same average rate of $3,449.96 annually. Fortunately for you, you know you’re getting the same deal as your neighbors. Take a look at the following graph, which compares Massachusetts auto insurance rates by town.
You’re more likely to get lower rates living in Lowell than you are to secure cheap auto insurance in Springfield, MA. Worcester also has higher average monthly rates. The decrease in costs is likely due to Lowell’s lower crime rates and low population density.
Which companies have the best auto insurance rates in Lowell?
No one wants to pay the highest auto insurance rates by Lowell standards. To help you secure lower auto insurance rates, we’ve got to start thinking like the auto insurance companies. Keep in mind that some companies are less active than others in your city, which means they’ll never be able to provide you with the most competitive auto insurance quotes.
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Cheapest Auto Insurance Rates by Company
What’s the cheapest auto insurance in Lowell, Massachusetts? Comparing quotes from multiple companies will help you determine who can offer you the best rates. Take a look at the following table, which compares real average rates folks in Lowell pay annually for auto insurance.
| Companies | State Farm | USAA | Geico | Travelers | Allstate | Progressive | Liberty Mutual |
|---|---|---|---|---|---|---|---|
| Married 60-years old | $1,181.08 | $1,785.94 | $2,140.44 | $2,468.63 | $2,600.99 | $2,591.54 | $3,005.13 |
| Married 35-years old | $1,181.08 | $1,814.92 | $2,294.65 | $2,792.03 | $2,600.99 | $2,697.99 | $3,449.50 |
| Single 25-years old | $1,181.08 | $2,001.40 | $2,362.73 | $3,091.36 | $2,910.08 | $2,910.69 | $3,609.71 |
| Single 17-years old | $2,957.48 | $4,287.08 | $5,730.54 | $5,680.24 | $7,622.22 | $10,278.06 | $9,371.38 |
| Average | $1,625.18 | $2,472.34 | $3,132.09 | $3,508.07 | $3,933.57 | $4,619.57 | $4,858.93 |
State Farm clearly offers the most competitive rates in your city, they are also the cheapest auto insurance in MA for new drivers.
USAA is close behind; however, they are a military insurance company and its services are only available for active to retired military personnel.
Other major companies, like Progressive and Liberty Mutual, give higher rates in the Lowell area and may not be able to offer competitive quotes. Take a look at the following graph, which compares monthly auto insurance rates offered by insurance companies in Lowell, MA.
Keep in mind that insurance coverage isn’t just about low rates. Customer service and efficient claims handling are important, too.
Best Auto Insurance for Commute Rates
According to DataUSA, the average length of a Lowell resident’s commute is 25 minutes, which is the same as the national average. Three-quarters of the city drive alone to work, and just under 10 percent commute. The next most popular mode of transportation may surprise you.
The third-most popular way to get to work in Lowell is to walk, followed by public transportation.
The folks who walk to work or take public transportation may be saving themselves money on auto insurance in Lowell, MA. See how a longer than average commute can increase your rates in the table below.
| Companies | Average Annual Rates for 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12,000 Annual Mileage | Average Annual Rates |
|---|---|---|---|
| State Farm | $1,587.63 | $1,662.74 | $1,625.19 |
| USAA | $2,403.40 | $2,541.26 | $2,472.33 |
| Geico | $3,073.83 | $3,190.34 | $3,132.09 |
| Travelers | $3,341.71 | $3,674.42 | $3,508.07 |
| Allstate | $3,800.70 | $4,066.44 | $3,933.57 |
| Progressive | $4,619.57 | $4,619.57 | $4,619.57 |
| Liberty Mutual | $4,669.26 | $5,048.59 | $4,858.93 |
Every company, including front-runner State Farm, charges around $100 more annually if you have a longer-than-average commute. The extra charges are largely due to rush hour traffic congestion, which increases your risk of getting into an accident. To mitigate the potential risk, companies charge you higher premiums.
Best Auto Insurance for Coverage Level Rates
Massachusetts’ minimum auto insurance requirements are already relatively comprehensive, likely because it is a , which means no matter who is at fault for an accident, your own insurance company pays for your bills. However, if you lease or finance a newer vehicle, you may consider buying a more comprehensive auto insurance policy to protect your assets.
Another factor that may convince you to opt for higher coverage? Lowell, MA, weather.
The town experiences harsh winters and residents often exchange winter storm and blizzard preparation tips. Our tip? Consider more comprehensive coverage to protect your vehicle. How much will extra coverage cost you in Lowell? See the table below for more details.
| Companies | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average Annual Rates for High Coverage | Average Annual Rates |
|---|---|---|---|---|
| State Farm | $1,465.32 | $1,651.91 | $1,758.32 | $1,625.18 |
| USAA | $2,276.55 | $2,512.24 | $2,628.21 | $2,472.33 |
| Geico | $2,877.80 | $3,185.20 | $3,333.27 | $3,132.09 |
| Travelers | $3,160.14 | $3,579.45 | $3,784.60 | $3,508.06 |
| Allstate | $3,609.81 | $3,998.64 | $4,192.27 | $3,933.57 |
| Progressive | $4,207.81 | $4,696.50 | $4,954.40 | $4,619.57 |
| Liberty Mutual | $4,504.49 | $4,924.90 | $5,147.40 | $4,858.93 |
Fortunately, extra coverage in Lowell is relatively affordable if you use State Farm or USAA. The annual costs only increase by around $200. The following graph breaks down monthly rates for basic coverage versus a more comprehensive auto insurance policy.
There is another way to increase your coverage without paying a fortune each month. Consider raising your deductible. A high deductible, although unpleasant to pay if you need to file a claim, can dramatically lower your monthly bill.
Best Auto Insurance for Credit History Rates
Good news, Lowell residents. Your credit score will not impact your auto insurance rates.
Massachusetts is one of three states which prohibits automotive insurance companies from charging higher or lower rates based on your credit score.
For motorists with bad credit, you still receive a fair price on insurance.
Best Auto Insurance for Driving Record Rates
In Massachusettes, your driving record plays a huge role in what you ultimately pay for auto insurance.
Serious driving violations, like a DUI, can send your monthly premiums through the roof.
If you are a high-risk driver, some companies may refuse to cover you altogether. Even worse, the Massachusetts RMV in Lowell may revoke your license after too many violations. See how a single speeding violation can increase your annual rates.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation | Average Annual Rates |
|---|---|---|---|---|---|
| State Farm | $1,288.08 | $1,755.90 | $2,074.17 | $1,382.58 | $1,706.05 |
| USAA | $1,751.83 | $2,283.17 | $3,891.79 | $1,962.54 | $2,642.26 |
| Geico | $2,495.29 | $3,453.69 | $3,938.81 | $2,640.56 | $3,295.93 |
| Travelers | $2,734.45 | $3,779.35 | $4,048.72 | $3,469.74 | $3,520.84 |
| Allstate | $3,024.47 | $4,567.52 | $5,117.82 | $3,024.47 | $4,236.60 |
| Liberty Mutual | $3,811.25 | $5,250.52 | $6,280.13 | $4,093.81 | $5,113.97 |
| Progressive | $3,867.54 | $5,482.71 | $4,340.50 | $4,787.53 | $4,563.58 |
That’s right, just a single speeding ticket can increase your rates by two hundred dollars annually. The following graph shows how your monthly rates can increase after a single traffic violation.
Your driving record proves to insurance companies how responsible of a driver you are. If you have a less than perfect record, they’ll charge you higher rates. Fortunately, if you only have minor citations, such as a speeding ticket, you can ask your provider if they offer any type of accident forgiveness program.
What affects auto insurance rates in Lowell?
The goal is to secure cheap car insurance in Lowell, MA, but how are auto insurance premiums calculated? We talked about some factors that affect auto insurance in Lowell, like your age and driving record.
Companies use this information to determine your auto insurance rating tiers. Low-risk drivers receive cheap auto insurance premiums.
We also mentioned specifics that cannot be used by companies when determining your auto insurance quotes, like your gender and credit history. Now let’s talk about road conditions, traffic congestion, and even the Lowell, MA, crime rate. All of these things can affect what you pay for auto insurance.
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Road Conditions in Lowell
Potholes, frost heaves, and bumpy asphalt can make driving more dangerous. If your city has poor quality road conditions, expect to see higher auto insurance premiums. According to TripNet, the vehicle operating cost in the Nashua region, where Lowell is located, is $431 annually. Check out your region’s road conditions in the following table.
| Road Condition | Percent of All Roads |
|---|---|
| Poor share | 6% |
| Mediocre share | 51% |
| Fair share | 24% |
| Good share | 19% |
Over half of the roads are mediocre or poor quality, which is not going to help lower auto insurance rates in your city. However, the rate of fatal vehicle accidents is relatively low for a city of Lowell’s size. Therefore, it’s still possible to receive affordable auto insurance in Lowell, Massachusetts. The following graph shows the rate of fatal vehicle accidents in Lowell, MA. Check it out to see what we mean.
Fortunately, living and driving in a safe driving city like Lowell gets you lower insurance premiums because you’re less likely to get into a wreck.
Vehicle Theft in Lowell
Another factor that can increase your premiums is the rate of vehicle theft in your city. Are crime rates getting in the way of you securing affordable auto insurance in Lowell, MA? Find out in the table below, which shows the 2017 crime statistics from the FBI.
| Crime Type | Total Number Reported |
|---|---|
| Population | 111,294 |
| Motorvehicle theft | 354 |
| Violent crime | 322 |
| Murder and nonnegligent manslaughter | 1 |
| Rape | 13 |
| Robbery | 144 |
| Aggravated assault | 164 |
| Property crime | 2,198 |
| Burglary | 474 |
| Larceny-theft | 1,370 |
| Arson | 10 |
The number of vehicle thefts in the city is thankfully very low, making it easier to secure cheap auto insurance in Lowell, MA.
Allstate America’s Best Drivers Report
Every year, the Allstate America’s Best Drivers Report compares the 200 largest cities in America based on how safe drivers in each city are.
In 2019, Lowell did not appear on the list. However, nearby Massachusettes cities Springfield, Worcester, and Boston did. Unfortunately, all three cities were almost last on the list.
Some highways near Lowell also made it on the list of 15-riskiest roads to drive on, including Route 93, which goes through Boston, Maine Street in Worcester, MA, and Interstate 91 through Springfield. If you have to drive on any of these roads, be cautious and practice safe driving techniques to avoid a collision.
Average Auto Insurance Rates by Car
The more expensive your vehicle is, the more it will cost to insure. Not only is a luxury vehicle more expensive to repair or replace, but some models are more likely to get stolen than a basic sedan. See the difference it costs in monthly rates to insure an economy vehicle versus a luxury car.
Often people with luxury vehicles take out more comprehensive policies to protect their assets, which means higher rates. If you’re going to purchase a luxurious vehicle, make sure you have the money to keep it comprehensively insured.
How is traffic in Lowell?
When it comes to traffic in Lowell, MA, you will feel the occasional effects of traffic congestion. Located only 30 minutes outside of Boston, Lowell’s one major cause of traffic jams is commuters during rush hour traffic.
Other causes of traffic congestion in Lowell include inclement weather, road construction, and Lowell, MA, tourism.
Wondering how to reduce traffic issues? Avoid driving in the Boston area, the city in Massachusettes with the worst traffic. Other ways to avoid traffic problems in Lowell include using public transportation whenever possible, walking, or bicycling if it’s an option, especially if you’re a student at one of the Lowell area schools. Staying off the road during rush hour traffic can help you save time and may even lower your auto insurance rates.
Traffic Congestion in Massachusettes
The worst traffic congestion in Massachusettes happens around the Boston area. According to Inrix, Boston is the most congested city in America. WCVB Channel Five Boston covers the story in more detail in the video below. https://youtu.be/j5k7hqWxZsA Not only did drivers lose money sitting in Boston traffic, they also lost 149 hours to the congestion in 2019. By comparison, Lowell drivers only lost 23 hours.
The same report lists Boston as the ninth-most congested city in the world.
Lowell’s close proximity to Boston means it’s likely you’ll get caught in their bumper-to-bumper traffic jams, especially if you commute through that area. Insurance companies may charge you higher rates as a way to mitigate the extra risk driving around Boston poses.
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Frequently Asked Questions: Cheap Auto Insurance in Lowell, MA
You are now an expert on how to get cheap auto insurance in Lowell, MA. Refer back to this guide as much as needed while comparison shopping. Check out our frequently asked questions below for even more information.
#1 – Who has the cheapest auto insurance in Massachusetts?
State Farm provides the cheapest auto insurance in MA. Remember that many things impact your average monthly auto insurance in Massachusetts, which means a different company may be a better choice for you.
#2 – How much does it cost to insure a car in Massachusetts?
The average monthly auto insurance in Massachusetts varies depending on what city you live in. In Lowell, residents pay $287.50 per month, whereas in Boston residents pay $444.48 per month for auto insurance.
#3 – Why is Massachusetts auto insurance so expensive?
Traffic congestion in the state is notoriously bad, which increases auto insurance premiums. Poorly structured roads, bad weather, and crime rates also impact auto insurance rates in the state.
#4 – What auto insurance is required in Massachusetts?
The state minimum requirements for auto insurance in Massachusetts are $20,000 for liability coverage for bodily injury per person, $40,000 per accident, $5,000 dollars of liability coverage for property damage, and $8,000 in no-fault coverage. The state also requires you to purchase uninsured motorist coverage.
#5 – How much is auto insurance in MA for new drivers?
Teenage drivers in Massachusettes pay an average of $5,000 annually for auto insurance.
Are there independent auto insurance agencies in Lowell, MA?
Yes, some independent agencies include Safety Auto Insurance located in Boston, the Hanover Auto Insurance, and A Affordable Auto Insurance in Lowell, MA.
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