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Get Cheap Car Insurance in Lowell, MA
We monitor insurance prices, helping the average driver in Lowell save up to 35.5% on car insurance.
The Cheapest Minimum Coverage in Lowell
The chart below shows the cheapest car insurance company in Lowell for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.
| Lowell Insurer | Monthly Cost |
|---|---|
| Safety Insurance | $45 |
| Geico | $49 |
| Midvale Home & Auto | $57 |
| Travelers | $71 |
Savings for Every Kind of Lowell Driver
Based on our extensive insurance data, we know the average Lowell driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $615 per year by choosing the right vehicle insurance company. Some Lowell residents are paying out over $1,798 extra every year for auto insurance in Lowell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lowell, MA Savings / Yr. |
|---|---|
$615 |
|
$915 |
|
$761 |
|
$1,010 |
|
$2,227 |
|
$0 |
|
$0 |
Lowell Car Insurance vs. Massachusetts
People living in Lowell pay an average of 15.81% more than the typical driver in the state. The average driver in Lowell can expect to pay about $772 per year, or $1,798 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Lowell for most people.
Car Insurance Prices by Lowell Neighborhood
Insurance Prices
Where is insurance cheapest within Lowell?
The map shows insurance prices in and around Lowell, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $513 per year within the city boundaries, with insurance premiums ranging from a high of $2,074 to a low of $1,561. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Lowell.Pick the Best Car Insurance Company for You in Lowell
The best car insurance provider for most drivers in Lowell
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $615 over the average Lowell car insurance company.
The best car insurance provider for Lowell drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $915 over the competition.
The best car insurance company for Lowell drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $761 better than other car insurance companies.
The best auto insurance for Lowell drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,010 less each year.
The least expensive car insurance company for new and young drivers in Lowell
In Lowell, State Farm costs young drivers $2,227 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lowell
The cheapest car insurance in Lowell for drivers with bad credit
The best Lowell car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lowell
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lowell driver can expect to pay about $85 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lowell, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Lowell
What Influences the Cost of Car Insurance in Lowell?
On average, car insurance in Lowell is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Massachusetts state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Lowell is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Lowell is $64 per month for minimum coverage and $150 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Dracut: Insurance costs 11.51% less
- North Chelmsford: Insurance costs 12.01% less
- Chelmsford: Insurance costs 13.57% less
- North Billerica: Insurance costs 12.18% less
- Tewksbury: Insurance costs 13.52% less
- Tyngsboro: Insurance costs 13.90% less
- Pelham: Insurance costs 33.37% less
- Billerica: Insurance costs 12.96% less
- Methuen: Insurance costs 7.34% less
- Westford: Insurance costs 14.57% less
Cities with Similar Populations
- Spring: Insurance costs 0.39% more
- Stamford: Insurance costs 28.42% more
- St. Charles: Insurance costs 4.00% more
- Redondo Beach: Insurance costs 22.14% more
- Richmond: Insurance costs 2.50% more
- Richmond: Insurance costs 30.20% less
- Rochester Hills: Insurance costs 69.47% more
- Renton: Insurance costs 5.67% less
- Salinas: Insurance costs 14.96% more
- Rock Hill: Insurance costs 4.89% less