Cheap Auto Insurance Quotes in Lawrence, MA (January 2022)

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Last Updated: January 2022

Car Insurance in Lawrence, MA

Massachusetts drivers need car insurance to avoid breaking the law or ending up with unaffordable bills. Fortunately, auto insurance in the Bay State is relatively inexpensive. Residents pay an average of $168 per month, which is 32 percent less than the national average premium.

And it’s possible to get car insurance for less than that if you know where to look. With Insurify, you can compare customized quotes from national companies and local carriers in one spot, and you can easily adjust your coverage levels and deductibles until you find a premium you can afford.

While average premiums are low overall in Massachusetts, rates vary from city to city and even from neighborhood to neighborhood. For example, traffic in Boston makes it a riskier city for accidents, so you may pay more for car insurance there than you would in Provincetown. Here’s what you can expect from various cities in Massachusetts.
TravelersMidvale Home & AutoLiberty Mutual

Cheapest Car Insurance in Lawrence, MA

Some car insurance companies offer cheaper insurance coverage to drivers in Lawrence than others do. Below, you’ll find the average cost for some of the cheapest car insurance companies in Lawrence. However, bear in mind that your individual auto insurance rate may vary from the average. That’s why it’s important to get a free quote from Insurify.

Best Car Insurance in Lawrence, MA

The cost of car insurance isn’t the only factor to consider when choosing an insurance provider. You’ll also want to consider the types of coverage, discounts offered, financial strength of the company, and customer reviews. We evaluated a variety of data to determine the best car insurance companies in Lawrence. See our results below.

Average Car Insurance Cost

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Lawrence, MA Driving Facts


Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements. 

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Lawrence Car Insurance Rates by Driver Age

Car insurance rates tend to decrease as you age because young drivers have less experience and are at a greater risk for a car accident. In fact, teen drivers are almost three times as likely to be in a fatal crash as drivers age 20 and older. Drivers in their 50s, on the other hand, may see some of the lowest car insurance quotes. Here’s what you can expect on average in Massachusetts.
Driving History
Clean Record$158
Speeding Ticket$161
At-Fault Accident$180
Failure to Stop for Red Light / Stop Sign$312

Lawrence Car Insurance Rates by Driving and Accident History

If you have infractions on your driving record, insurance companies will consider you a high-risk driver. DUIs, speeding tickets, failures to stop, and at-fault accidents can all drive up your rates. While you can’t go back in time and change your driving history, you can ask your insurance agent about usage-based discounts or driving course discounts to offset your high premium.

Lawrence Car Insurance Rates by Credit Tier

Under Massachusetts law, auto insurance companies are prohibited from using applicants’ credit-based insurance scores to determine their car insurance rates. If you have bad credit, that shouldn’t impact the cost of your insurance policy in Lawrence. Home insurance rates are also not affected by credit scores in Massachusetts.

Lawrence DMV Information

The RMV Lawrence Service Center is open weekdays from 9 a.m. to 5 p.m. and offers driver’s licenses, learner’s permits, vehicle registration, and title transactions. Scheduling an appointment is strongly recommended, but walk-ins can also receive service from the staff. The Lawrence RMV is located at:

73 Winthrop Ave
Lawrence, MA 01843

Public Transit in Lawrence

About 4 percent of Lawrence residents use the public transit system to get to work, and another 4 percent walk. But the vast majority of people in Lawrence drive to work, with an average commute time of about 23 minutes. While it may be possible to forgo having a car in Lawrence, many people still rely on their vehicles and need car insurance coverage.

Find local Lawrence agents

Degnan Insurance Agency Inc
85 Salem St, Lawrence, MA 01843
Guevara Insurance Services, Inc.
42 Myrtle Street, Lawrence, MA 01841
Broadway Plaza Insurance Agency
310 Broadway, Lawrence, MA 01841
Kenneth R Reader Insurance
690 Haverhill St, Lawrence, MA 01841
Greater Lawrence Insurance Agency
514 Essex St, Lawrence, MA 01840
Madeleine I Brooks Insurance Agency LLC
18 Groton Street, 1st Floor, Lawrence, MA 01843
A-Affordable Insurance Agency
67G Winthrop Avenue, Lawrence, MA 01843
Silverio Insurance Agency
10 S Broadway, Lawrence, MA 01843
Leslie Insurance Agency
645 Broadway, Lawrence, MA 01841
Mill City Insurance
290 Merrimack St #115, Lawrence, MA 01843

Insurify Insights: How Lawrence Drivers Measure Up

Honda Accord
Most Popular Car in
Lawrence, MA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lawrence drivers measure up to their fellow Massachusetts motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Lawrence

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lawrence drivers rank 13 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #13
  • Percent of drivers in Lawrence with an accident: 12.68%
  • Drivers in Lawrence, MA with an accident in their driving history paid on average 23.08% more than drivers with a clean record

Speeding in Lawrence

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Lawrence drivers rank 20 in the number of speeding infractions per driver.

  • Rank within state: #20
  • Percent of drivers in Lawrence with a speeding ticket: 5.52%
  • Drivers in Lawrence, MA with a speeding ticket in their driving history paid on average 1.65% more than drivers with a clean record

DUI/DWIs in Lawrence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lawrence drivers rank 22 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #22
  • Percent of drivers in Lawrence with a DUI: 0.61%
  • Drivers in Lawrence, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Lawrence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lawrence is the Honda Accord.

Hybrid/Electric Vehicle Ownership in Lawrence

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lawrence drivers rank 26 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #26
  • Percent of drivers in Lawrence with a hybrid/electric vehicle: 0.57%

How to get the best and cheapest car insurance in Lawrence

Whether you’re looking for minimum coverage or full coverage with roadside assistance, you can find a cheap car insurance policy by comparing quotes with Insurify. You’ll just need to answer a few questions, and our artificial intelligence technology will show you quotes from companies like GEICO and Allstate, along with smaller local carriers. There’s no need to go through an insurance agency or get individual quotes from multiple insurers’ websites to find the cheapest deal. Simply enter some information about your vehicle and driving history to get started. It’s free to use, and the average Insurify user saves $585 annually just by switching to a cheaper company.

FAQs - Lawrence, MA Car Insurance

How do I find cheap car insurance in Lawrence, MA?

The easiest way to find cheap car insurance in Lawrence is to compare customized quotes with Insurify. You’ll be able to compare premiums apples-to-apples, whether you’re looking for bodily injury and property damage liability insurance or a more robust policy. It just takes a few minutes, and it’s totally free to use.

How much does car insurance cost in Lawrence, MA?

The average cost of car insurance in Lawrence is $171 per month, but individual rates will vary based on the driver’s address, age, gender, and driving history. That’s why it’s important to get free quotes from multiple insurers before making your selection. Insurify makes it super easy to collect quotes in one spot without having to call a local agent.

What drives up car insurance rates in Lawrence, MA?

Young drivers will pay more for car insurance in Lawrence, as will drivers with accidents and tickets on their records. People who want a full-coverage policy with a low deductible will also pay significantly more for car insurance than those who opt for state minimum coverage.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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