Cheapest Auto Insurance in Lowell, Massachusetts (2024)
The cheapest monthly insurance coverage in Massachusetts is $88 from Safeco.
Excellent
)
Written byEmily Guy Birken
)
Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
Updated November 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
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 $174. 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.
Quick Facts
Safeco offers the cheapest liability-only coverage in Massachusetts, with a rate of $88 per month.
Massachusetts is a no-fault insurance state, but it follows the 51% Bar Rule for legal recourse after an accident.
Twenty-eight percent of fatal accidents in Massachusetts were speed-related in 2020.
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.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $79 | N/A | Coverage options |
| Midvale Home & Auto | 3.2 | $129 | $69 | Discounts |
| Safeco | 8.3 | $206 | $88 | Accident-free drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for coverage options: Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | $191/mo |
4.7
Best choiceBased on 757 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 (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
| 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 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
AWhy 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
| User Reviews | 4.5 |
|---|---|
| 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. | $88/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. | $206/mo |
4.5
Best choiceBased on 754 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 (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy 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 $88 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $75 |
| Safeco | $92 |
| Liberty Mutual | $102 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $231 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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Travelers | $87 |
| Midvale Home & Auto | $125 |
| Safeco | $175 |
| Liberty Mutual | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lowell, Massachusetts
Recent Lowell, Massachusetts car insurance prices for Honda, Ford, Dodge , and more.
*Quotes generated for Insurify users in and around Lowell, Massachusetts within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lowell, Massachusetts within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Personal injury protection (PIP) | $8,000 per accident |
| Uninsured motorist bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $5,000 minimum limit |
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.
Shop for Car Insurance in Lowell, MA
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $180. If you have a speeding ticket in Lowell, you may also find the most affordable rates from the following insurers.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Midvale Home & Auto | $75 | $100 |
| Safeco | $92 | $123 |
| Liberty Mutual | $102 | $137 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $180. Here, you can see a collection of quotes offered by area insurers.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Midvale Home & Auto | $75 | $107 |
| Safeco | $92 | $132 |
| Liberty Mutual | $102 | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $177 for car insurance. Here, you can see how quotes vary by insurer.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Midvale Home & Auto | $75 | $116 |
| Safeco | $92 | $143 |
| Liberty Mutual | $102 | $159 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $126 in Massachusetts. Here, you can see how quotes vary from different insurers.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|
| Midvale Home & Auto | $52 |
| Safeco | $64 |
| Liberty Mutual | $72 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $323 for insurance coverage in Massachusetts. Here, you can see the quotes offered for teen drivers by different insurers.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|
| Midvale Home & Auto | $135 |
| Safeco | $166 |
| Liberty Mutual | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Lowell
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $204 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 $117 per month and an average full-coverage cost of $231 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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Boston | $80 | $131 |
| Brockton | $135 | $153 |
| Cambridge | $60 | $112 |
| Fall River | $93 | $102 |
| New Bedford | $81 | $101 |
| Somerville | $68 | $111 |
| Springfield | $99 | $102 |
| Worcester | $98 | $118 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lowell car insurance FAQs
Looking for more information to help you secure the best car insurance rates in Lowell? The following answers can help.
How much is car insurance in Lowell, Massachusetts?
In Lowell, the average liability-only coverage is $74 per month, and the average full coverage is $142 per month. This makes Lowell one of the more affordable cities in Massachusetts for liability coverage, but full-coverage rates remain high in the city.
Who has the cheapest car insurance in Lowell?
In Lowell, Midvale Home & Auto offers the lowest liability rates, at $62 per month. Safeco offers the cheapest liability-only insurance in Massachusetts, at $88 per month. Liberty Mutual and Liberty Mutual also offer low rates across the state.
To find the ideal insurance policy for you, make sure to compare quotes from three to five different companies.
What are the best car insurance companies in Lowell?
Travelers, Safeco, and Midvale Home & Auto rank as three of the top insurers in Lowell. Each insurer is recognized for offering competitive rates, carrying a high Insurify Quality Score, and offering several discounts and coverage options.
Can your credit affect your car insurance rates in Massachusetts?
No. Massachusetts law prevents insurers from considering your credit history when assigning you rates in the state.
How can you lower car insurance costs in Massachusetts?
You can lower your car insurance rates by maintaining a safe driving record, driving a safe vehicle, increasing your deductible, and bundling your car insurance with another insurance type.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Massachusetts
Sources
- Mass.gov. "Basics of Auto Insurance."
- MWL Attorneys at Law. "CONTRIBUTORY NEGLIGENCE/COMPARATIVE FAULT LAWS IN ALL 5O STATES."
- DMV.org. "DUI & DWI in Massachusetts."
)
Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
)
)
)
)
)