Cheapest Auto Insurance in Lowell, Massachusetts (2024)

Historic Lowell was founded 200 years ago as a mill manufacturing town. This helped the city grow quickly as both immigrants and locals sought work. 

Today, even though Lowell is the fifth-largest city in the state, residents only pay an average of $108 per month for auto insurance — slightly less than the state average of $176. However, while rates in Lowell remain manageable, you can take steps to lower your car insurance costs. 

Here’s what you need to know about finding cheap auto insurance in Lowell, Massachusetts.

Cheapest car insurance companies in Lowell

The cheapest car insurance companies in Lowell won’t be the same for every driver. That’s because each insurer uses different criteria to set rates for drivers. These criteria include factors like gender, marital status, ZIP code, driving history, and credit. And even if multiple insurance companies use the same factors, the weight applied to these factors can vary from one insurer to the next.

To find the best insurance coverage for your needs, you must compare quotes from several insurers. As you begin your search, keep the insurers below in mind.

Best insurer for coverage options: Travelers

coverage options

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User Reviews	4.7 381 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$89/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$194/mo

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Driver Reviews

4.7

Best choiceBased on 745 verified guest reviews and ratings

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (381)

Vicki

October 27, 2024

Verified Review

Good but Costly

I had a great experience with Travelers and would still be with them, but I got a better rate with another company.

Nancy

October 23, 2024

Verified Review

Not Great by Any Means

Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.

Birdie

October 21, 2024

Verified Review

Expensive

I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

829

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers Insurance was founded in 1864, well before the automobile was a standard sight in America. The company had more than 30 years of accident insurance under its belt when it issued its first auto insurance policy in 1897, making it the oldest auto insurance company in the nation.

Today, Travelers continues to innovate, offering a number of optional coverage choices, like gap insurance, roadside assistance, and rental car coverage, that can help modern drivers get the most out of their auto insurance.

Pros

• Robust coverage selections and discount offerings

• Accident forgiveness available

Cons

• Rideshare coverage only available in Colorado and Illinois

• High number of negative customer reviews with the Better Business Bureau (BBB)

Best insurer for discounts: Midvale Home & Auto

discounts

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A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	A
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	3.2 /10

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Driver Reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Midvale Home & Auto is a subsidiary of American Family Insurance based out of Madison, Wisconsin. This insurer offers a number of discounts, including multi-policy, multi-vehicle, good student, new customer, paperless, and pay-in-full discounts.

Pros

• Backed by the financial strength of American Family

• Optional gap insurance and roadside assistance available

Cons

• Can’t get a quote online — must call an insurance agent or agency

• Poor customer reviews with the BBB

Best insurer for accident-free drivers: Safeco

accident-free drivers

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User Reviews	4.5 416 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$85/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$157/mo

Show Details

Driver Reviews

4.5

Best choiceBased on 744 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (416)

Barbara

October 28, 2024

Verified Review

Insurance Keeps Going Up

Please stop raising prices.

Carlotta

October 24, 2024

Verified Review

Excellent

They handled everything very smoothly.

Shirley

October 22, 2024

Verified Review

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

Previous

1234…25

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

825

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.08

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco is owned by Liberty Mutual. It offers auto insurance along with homeowners insurance, renters, boat, motorcycle, and pet insurance. One of Safeco’s major benefits is its Claims-Free Cash Back program. If you make no claims for a six-month period, Safeco will mail you a check for 2.5% of your policy premium, with a potential cash-back total of 5% per year.

Drivers with pristine records are also eligible for a vanishing deductible. If you do get into an accident, Safeco will forgive the accident if you’ve been claims-free for a set number of years.

Pros

• Pays cash back to customers who remain claims-free

• Many options for customizing car insurance

Cons

• Limited number of discounts

• Customer reviews indicate room for improvement in customer service

How to get the cheapest car insurance in Lowell

No single insurance company offers the cheapest auto insurance for every driver. That’s because insurers use various factors to set each customer’s premium. These factors might include your driving history, age, marital status, credit, and ZIP code. To save money on your coverage in Lowell, you have to compare quotes from multiple insurers.

Here are some additional strategies you can use to get the cheapest car insurance and the right coverage in Lowell:

• Drive safely. Insurance costs are lowest for the drivers with the cleanest records. That’s why it’s a good idea to take a defensive driving course to learn the skills you need to avoid accidents and maintain a clean driving record.

• Adjust your coverage. Increasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability coverage amounts can all lower your insurance costs. While you don’t want to carry more coverage than you need, make sure you don’t lower your coverage so much that you can’t afford the out-of-pocket costs after an accident.

• Bundle your policies. Most insurance companies offer discounts to customers who purchase home insurance or renters insurance with their auto insurance.

Find Car Insurance in Lowell, Massachusetts

Liability quotes in MA start at $85 per month

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Cheapest liability-only car insurance in Lowell

If you’re at fault in a car accident, your liability insurance will pay to repair or replace the other party’s damaged vehicle and any medical costs associated with the accident. But liability-only insurance doesn’t cover the cost of repairing or replacing your car if it’s damaged.

Midvale offers the cheapest liability rates in Lowell, starting at $75 per month. Here, you can see a collection of other insurers and their monthly liability coverage averages.

Cheapest full-coverage car insurance in Lowell

Many drivers in Lowell may prefer to carry full-coverage car insurance since it provides more protection. Specifically, full coverage includes collision and comprehensive coverages. Comprehensive pays to repair or replace your car if it’s damaged by something other than an accident, such as theft, severe weather, vandalism, or flooding.

Leased motor vehicles generally require full-coverage insurance, but this kind of coverage is otherwise optional for drivers.

The state average for full coverage in Massachusetts is $238 per month. In Lowell, Midvale also has the lowest quotes for full-coverage insurance. Here you can see a collection of average monthly quotes from top insurers.

Car insurance requirements in Massachusetts

Massachusetts is a no-fault auto insurance state.^[1] This means that each driver must file a claim with their own insurance company for injury claims after an accident, no matter who was at fault. Personal injury protection will provide for your own medical expenses, up to 75% of lost wages, and replacement services, up to the limit you choose.

However, Massachusetts also uses the 51% Bar Rule for determining legal recourse after an accident.^[2] Under this rule, any driver who is considered 51% at fault or greater can’t sue anyone else for the accident. Drivers who are less than 51% at fault can sue other parties, but the plaintiff’s percentage of negligence will reduce the defendant’s liability.

Massachusetts requires drivers to purchase four compulsory types of coverage:

While drivers in Massachusetts aren’t required to carry more than the above minimum coverage types and limits, it may be prudent to increase these coverage amounts.

You may also want to consider adding these types of coverage:

• 

  Collision coverage

  If you’re at fault in an accident, collision coverage will pay to repair or replace your vehicle.

• 

  Comprehensive coverage

  If your vehicle is damaged by something other than an accident, such as a storm or a fire, comprehensive coverage will pay to repair or replace it.

Cheapest car insurance for drivers with an incident

Not every driver has a clean driving record. If you have an incident on your driving history — such as an at-fault accident, a speeding ticket, a DUI, or another moving violation — it can be more difficult to find cheap car insurance in Lowell. However, though insurers may consider drivers with an incident on their records to be higher risk, you can find affordable rates from the right insurers.

In this section, you’ll see how different incident types affect your insurance costs.

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Cheapest car insurance for drivers with a speeding ticket

Driving faster than the posted speed limit may be an everyday occurrence, but it’s still a dangerous activity. The National Highway Traffic Safety Administration found that 28% of traffic deaths in Massachusetts were speed-related in 2020. The link between speeding and traffic deaths explains why both police and auto insurers take speeding so seriously and why receiving a single traffic ticket for speeding can increase your insurance premiums.

The average monthly rate in Massachusetts for drivers with a speeding ticket on their record is $199. If you have a speeding ticket in Lowell, you may also find the most affordable rates from the following insurers.

Cheapest car insurance for drivers with an at-fault accident

Even in a no-fault state like Massachusetts, an at-fault accident on your record indicates that you may be a higher-risk driver than someone with no at-fault accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident.

The overall average monthly premium for drivers with an at-fault accident in Massachusetts is $199. Here, you can see a collection of quotes offered by area insurers.

Cheapest car insurance for drivers with a DUI

Driving under the influence (DUI) is among the most serious driving incidents. In Massachusetts, this type of infraction is called operating under the influence (OUI), and a first offense could result in a license suspension of 180 days and up to one year. It could also include a license reinstatement fee of $100 to $1,200, a fine of $500 to $5,000, and possible jail time.^[3]

For obvious reasons, car insurance companies treat drivers with DUI citations as high-risk. In Massachusetts, drivers with a DUI pay an overall average of $179 for car insurance. Here, you can see how quotes vary by insurer.

Cheapest car insurance for seniors

Car insurance companies set prices for drivers partially based on age.

Rates tend to decrease for safe drivers around age 35 and stay low throughout adulthood until drivers reach their 70s. Around age 70, even the best drivers tend to experience declines in their reflexes and reaction times, making them more likely to get into accidents.

Seniors pay an overall average monthly premium of $134 in Massachusetts. Here, you can see how quotes vary from different insurers.

Cheapest car insurance for teens

Teen drivers have a higher rate of fatal crashes, according to the NHTSA, — predominantly because of their lack of experience and increased likelihood of engaging in dangerous driving behaviors, like speeding and distracted driving.

Not surprisingly then, insurance companies charge higher premiums for teen drivers. Fortunately, teens can lower their car insurance premiums with these strategies:

• Remain on a parent’s insurance policy. Teen drivers can get their own insurance policy, but staying on a parent or guardian’s policy will be far less expensive.

• Drive a safe car. The Insurance Institute for Highway Safety put together a list of safe, practical, and affordable vehicles suitable for teen drivers on its website.

• Get good grades. Many insurance companies offer good student discounts to teen drivers who maintain a certain GPA.

Teens drivers pay a total average of $319 for insurance coverage in Massachusetts. Here, you can see the quotes offered for teen drivers by different insurers.

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Is car insurance more expensive in Lowell?

In Lowell, the average liability-only cost is $74 per month, and the average full-coverage policy is $142 per month. This is considerably lower than the national average cost — $104 per month for liability-only coverage and $211 per month for full coverage.

Lowell residents also pay slightly less than Massachusetts drivers in general, since the Bay State has an average liability-only cost of $115 per month and an average full-coverage cost of $238 per month.

More cities in Massachusetts

Lowell’s liability-only auto insurance rates are lower than most other cities in Massachusetts. But full coverage is another story. Only Brockton has higher rates than Lowell for full coverage insurance. This means Boston, Worcester, and Springfield have cheaper rates for full coverage, despite being much bigger cities than Lowell.

Here, you can see how quotes in Lowell compare to other Massachusetts cities.

Lowell car insurance FAQs