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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.
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.
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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 $154. However, while rates in Lowell remain manageable, you can take steps to lower your car insurance costs.
Midvale Home & Auto offers the cheapest liability-only coverage in Massachusetts, with a rate of $68 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Travelers
4.3
$66
N/A
Coverage options
Midvale Home & Auto
3.2
$108
$68
Discounts
Safeco
3.8
$157
$85
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$66/mo
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)
We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$68/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.
$108/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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
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
The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.
Carol - April 6, 2024
Verified
It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.
It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.
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 $68 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.
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 $209 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.
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.
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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 $186. 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 $186. 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 $204 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 $129 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.
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 $262 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
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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 $213 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 $99 per month and an average full-coverage cost of $209 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. Midvale Home & Auto offers the cheapest liability-only insurance in Massachusetts, at $68 per month. Safeco 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.
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