Cheapest Car Insurance Quotes in Lowell

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Lowell Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lowell

The car insurance rate in Lowell is $1777 for a six-month policy, which is $245 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $517, making it a popular choice for budget-conscious drivers. Rates in Lowell can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lowell

$1777

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Lowell

1st place: Safety Group

At $517 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $607 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $771 for six months, making it the third cheapest auto insurance company in Lowell.

Lowell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lowell, MA is Safety Group, offering policies at just $517 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $607.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5761 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lowell drivers find the best deals.

Cheap Car Insurance Companies in Lowell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$517	$86
Vermont Mutual	$607	$103
Safety	$771	$129
American Family	$868	$146
Hanover	$958	$161
Arbella	$972	$165
State Farm	$1054	$177
Norfolk & Dedham	$1158	$197
Farmers	$1219	$203
Norfolk & Dedham Mutl Fire Ins	$1226	$209
Travelers	$1371	$229
Plymouth Rock	$1592	$268
Progressive	$2315	$390
USAA	$3094	$521
Allstate	$4968	$836
Amica Mutual	$5761	$979

Key Takeaways

Way's key takeaways about car insurance in Lowell

The auto insurance costs in Lowell fall around $517 for six months.
The cheapest auto insurance company in Lowell is State Farm.
Teen drivers pay the highest rate in Lowell at $894 per month.

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Cheapest Minimum Liability Car Insurance in Lowell

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lowell are given below.

State Farm provides the cheapest minimum car insurance coverage in Lowell. Their Average 6 Month Premium is $117. Allstate is the most expensive at $530 for the same period.

Cheapest Liability Coverage in Lowell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$117	$20
Safety Group	$166	$28
Vermont Mutual	$173	$29
American Family	$206	$35
Hanover	$234	$39
Plymouth Rock	$255	$43
Amica Mutual	$276	$46
Chubb	$276	$46
USAA	$296	$50
Norfolk & Dedham Mutl Fire Ins	$303	$51
Farmers	$317	$53
Safety	$331	$56
Norfolk & Dedham	$338	$57
The Hanover	$338	$57
Amica	$345	$58
Arbella	$358	$61
Travelers	$379	$64
Progressive	$510	$86
Allstate	$530	$88

Cheapest Full Coverage Car Insurance in Lowell

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lowell is Safety Group at $86 per month and $517 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lowell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$517	$86
Vermont Mutual	$607	$103
Safety	$771	$129
American Family	$868	$146
Hanover	$958	$161
Arbella	$972	$165
State Farm	$1054	$177
Norfolk & Dedham	$1158	$197
Farmers	$1219	$203
Norfolk & Dedham Mutl Fire Ins	$1226	$209
Travelers	$1371	$229
Plymouth Rock	$1592	$268
Progressive	$2315	$390
USAA	$3094	$521
Allstate	$4968	$836
Amica Mutual	$5761	$979

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Average Car Insurance in Lowell by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lowell, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lowell, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lowell's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lowell

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$416
30s	State Farm	$336
40s	State Farm	$336
50s	State Farm	$336
60s	State Farm	$297
70s	State Farm	$256

Cheapest Car Insurance Rates for Teen Drivers in Lowell,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Lowell at $30 per month. At $5257 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$179	$30
Vermont Mutual	$193	$32
Hanover	$220	$37
American Family	$241	$41
Safety	$310	$52
Farmers	$358	$61
State Farm	$517	$87
Plymouth Rock	$827	$139
USAA	$1268	$213
Amica Mutual	$2812	$478
Progressive	$3541	$590
Allstate	$5257	$894

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Lowell.

As young drivers face the highest rates in Lowell, State Farm offers the cheapest auto insurance rates at $416 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Car Insurance Rates with An Accident in Lowell

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lowell, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lowell

The cheapest car insurance companies after an at-fault accident in Lowell include American Family and Safety Group, offering $283 and $317, respectively. Allstate is an expensive provider with an average six-month premium of $2370.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Safety Group	$317	$53
Vermont Mutual	$324	$55
State Farm	$345	$58
Norfolk & Dedham	$544	$90
The Hanover	$586	$100
Plymouth Rock	$633	$107
Arbella	$792	$133
Safety	$834	$140
USAA	$965	$162
Travelers	$1282	$216
Hanover	$1303	$219
Progressive	$1467	$247
Amica Mutual	$1537	$261
Farmers	$2246	$375
Allstate	$2370	$403

Lowell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lowell MA. For example, the car insurance in Lowell after a DUI increases to $862 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Lowell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$916	$153
One Med/PIP claim	$916	$155
Not-at-fault accident	$944	$158
One comp claim	$944	$160
Two Med/PIP claims	$944	$158
Two comp claims	$978	$166
At-fault accident - less than $1000	$1013	$169
Child safety restraint	$1047	$179
Driving without lights	$1047	$174
Failure to wear a seat belt	$1061	$181
Cell phone violation	$1137	$189
Texting while driving	$1137	$194
Driving too slowly	$1144	$190
Failure to stop at a red light	$1144	$195
Failure to yield	$1144	$190
Following too closely	$1144	$195
Illegal turn	$1144	$190
Improper passing	$1144	$195
Speeding 11 - 15 MPH over limit	$1144	$190
Speeding 16 - 20 MPH over limit	$1144	$195
Speeding 6 - 10 MPH over limit	$1144	$190
Speeding in school zone	$1144	$195
Wrong way/wrong lane	$1144	$190
In 65 MPH zone	$1151	$196
Speeding 21 - 25 MPH over limit	$1151	$191
Operating a vehicle without permission	$1158	$197
Passing school bus	$1206	$201
At-fault accident - $1000-$2000	$1420	$241
Failure to show documents	$1447	$241
At-fault accident - greater than $2000	$1453	$247
Driving with expired registration	$1460	$244
Open container	$1544	$262
Reckless driving	$1667	$278
Refusal to submit to a chemical test	$1702	$289
Driving with a suspended license	$1771	$295
Racing	$1771	$302
DUI	$1778	$296
Leaving scene of an accident/hit and run	$1798	$306

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lowell after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lowell.

The cheapest car insurance premiums in Lowell are offered by American Family at $345 for a six-month policy. However, it can be as expensive as $2942 with companies like Allstate.

Lowell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$345	$58
Safety Group	$379	$65
Vermont Mutual	$393	$65
State Farm	$420	$71
Plymouth Rock	$764	$129
Progressive	$841	$142
Hanover	$1068	$180
Arbella	$1158	$195
USAA	$1640	$276
Safety	$1716	$291
Amica Mutual	$2006	$334
Travelers	$2102	$357
Farmers	$2604	$434
Allstate	$2942	$500

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lowell are offered by State Farm at $152. However, it can be as expensive as $1812 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Lowell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$152	$26
Safety Group	$200	$34
Vermont Mutual	$227	$38
American Family	$283	$48
Plymouth Rock	$682	$115
Safety	$965	$164
Arbella	$972	$162
USAA	$999	$169
Hanover	$1192	$201
Progressive	$1275	$217
Farmers	$1537	$256
Travelers	$1812	$309

Car Insurance Price Trends in Lowell, Massachusetts

Car insurance rates in Lowell have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lowell remained steady at $253 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lowell remained steady at $50 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Lowell by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Lowell. At $2239 for a six-month policy, insuring your car at 1854 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
1854	$2239	$377
1852	$2328	$392
1851	$2256	$380
1850	$2025	$341

Frequently Asked Questions

How much is car insurance in Lowell?

The car insurance in Lowell is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Lowell?

The cheapest car insurance in Lowell is $86 per month for full coverage.

How much is car insurance in Lowell for teenagers?

Car insurance for teenagers costs $179 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lowell?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $299 per month to insure your car in Lowell.

Is car insurance expensive in Lowell?

Car insurance can be expensive in Lowell if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lowell can be affordable.

What is the best car insurance in Lowell, MA?

The best car insurance company in Lowell MA is Safety Group, offering $517 for a six-month policy.