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

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Bay State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Car Insurance in Lowell, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lowell, MA to find you the cheapest quotes in the area.
$89
$113
$166
$166
AllstateGEICOTravelersLiberty Mutual

Cheapest Car Insurance in Lowell, MA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$142
$137
$158
$161
$122
$134
MassachusettsBostonWorcesterSpringfieldCambridgeLowell
Click here to learn about car insurance quotes and save on your current policy.

Lowell, MA Driving Facts

massachusetts

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.

Find local Lowell agents

Fred C. Church Inc
41 Wellman St, Lowell, MA 01851
Byam Bros.- Mahoney Insurance
191 Pawtucket Blvd, Lowell, MA 01854
Michael G Conway Insurance
77 East Merrimack St, Lowell, MA 01853
Clark Insurance
165 Thorndike St Apt 301, Lowell, MA 01852-3486
New England Insurance Group
684 Lakeview Avenue, Lowell, MA 01850
Albert E J Bergeron Insurance Agency
235 White St, Lowell, MA 01854
K K Insurance Agency Inc.
508 Westford St, Lowell, MA 01851
'Peter O''Hearn Insurance Agency Inc.'
704 Rogers Street, Lowell, MA 01852
Boynton Insurance Agency Inc.
375 Rogers Street, Lowell, MA 01852
C Slowey McNiff Insurance Agency Inc
9 Central St, Lowell, MA 01852

Insurify Insights: How Lowell Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Lowell, MA
suspended licenses
#7
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 Lowell 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 Lowell

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. Lowell drivers rank 3 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #3
  • Percent of drivers in Lowell with an accident: 16.27%
  • Drivers in Lowell, MA with an accident in their driving history paid on average 19.86% more than drivers with a clean record

Speeding in Lowell

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Lowell drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Lowell with a speeding ticket: 7.81%
  • Drivers in Lowell, MA with a speeding ticket in their driving history paid on average -81.51% more than drivers with a clean record

DUI/DWIs in Lowell

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lowell drivers rank 11 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #11
  • Percent of drivers in Lowell with a DUI: 1.12%
  • Drivers in Lowell, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Lowell

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

Rude in Lowell

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Massachusetts, Lowell drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Lowell with a reckless driving violation: 3.99%
  • Drivers in Lowell, MA with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Lowell

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lowell drivers rank 10 in clean driving records across all cities in Massachusetts.

  • Rank within state: #10
  • Percent of drivers in Lowell with clean record: 76.55%

Failure to Yield the Right of Way in Lowell

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lowell drivers rank 1 in failure to yield violations per driver across all cities in Massachusetts.

  • Rank within state: #1
  • Percent of drivers in Lowell with a failure to yield violation: 0.8%
  • Drivers in Lowell, MA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Lowell

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Massachusetts, Lowell drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Lowell with a reckless driving offense: --%

Methodology

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.


Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!