120+ more*Quotes generated for Insurify users in and around Lowell, Massachusetts within the last 10 days. Last updated on October 4, 2026. 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 October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Lowell drivers pay a total average of $124 per month for car insurance. That averages out to $108 per month for liability-only coverage and $140 for full-coverage policies.
Lowell drivers pay more than both the Massachusetts state average of $120 per month and Boston drivers, who pay an average of $108 for coverage. But costs in Lowell are lower than those in Worcester, where drivers pay an average of $149 per month.
As one of the largest cities in Massachusetts, Lowell drivers face more congestion than drivers in many other cities in the state. When combined with ongoing flooding threats, this may partially explain the elevated rates in the city.[1]
Massachusetts requires all drivers to carry a minimum amount of car insurance. In order to legally drive in the Bay State, you’ll need at least $25,000 per person and $50,000 per accident for bodily injury liability, $50,000 in uninsured motorist coverage per accident, $30,000 for property damage liability, and $8,000 in personal injury protection (PIP).[2]
On average, a liability-only policy costs $108 per month for Lowell drivers. The following table shows the cheapest liability car insurance rates in Lowell.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| USAA | $87 |
| GEICO | $88 |
| Safeco | $105 |
| Progressive | $119 |
| Liberty Mutual | $128 |
| Bristol West | $169 |
| Travelers | $199 |
| Embark | $216 |
| Amica | $272 |
Liability quotes start at $52/mo.
Lowell drivers pay an average of $140 per month for full-coverage policies. This type of policy includes both comprehensive and collision coverage.
With the threat of flooding, some drivers benefit from this more protective coverage. After a flood damages your vehicle, this coverage would help you pay to repair or replace the vehicle.
The table below shows the cheapest rates for full-coverage car insurance in Lowell.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| USAA | $124 |
| GEICO | $125 |
| Safeco | $167 |
| Liberty Mutual | $187 |
| Progressive | $207 |
| Bristol West | $277 |
| Travelers | $285 |
| Amica | $388 |
Lowell is one of the most expensive cities in Massachusetts to buy car insurance. The average cost is $124 per month, which is slightly higher than the state average of $120 per month. But drivers in a few other cities, like Worcester and Springfield, face higher auto insurance costs.
Lowell drivers face an average commute time of 28 minutes, which is similar to the national average.[3] But the city faces significant flooding threats from the Merrimack River and traffic congestion, which could help explain the elevated rates.
Explore average monthly car insurance costs by Massachusetts city in the table below.
City | Average Monthly Quote |
|---|---|
| Cambridge | $99 |
| Boston | $108 |
| Somerville | $109 |
| Quincy | $120 |
| New Bedford | $138 |
| Worcester | $149 |
| Fall River | $151 |
| Springfield | $156 |
| Brockton | $202 |
Lowell drivers pay a bit more for car insurance than the state average. But even with these elevated rates at the state level, car insurance costs in Lowell are significantly lower than the national average of $143 per month.
As the fifth-largest city in Massachusetts, Lowell has more traffic than other parts of the state. The city also struggles with car theft, with more than 240 thefts in 2025. In comparison, neighboring Dracut only saw 20 car thefts in 2025.[4]
But the city’s inland location and limited exposure to severe weather may help keep rates below the national average.
*Quotes generated for Insurify users in and around Lowell, Massachusetts within the last 10 days. Last updated on October 4, 2026. 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 October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
When setting your auto insurance premiums, insurers consider many factors, including your driving history. Generally, drivers with a clean record pay less for coverage than high-risk drivers with an incident on their record.
Here’s a look at the cheapest car insurance companies for liability coverage by driving record, according to Insurify data.
Cheapest car insurance for Lowell drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Lowell: State Farm
Cheapest car insurance for Lowell drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OUI in Lowell: State Farm
Drivers with past incidents, like a speeding ticket or an operating under the influence (OUI) conviction, are likely to pay more for car insurance in this no-fault state. In Lowell, 4% of drivers have an at-fault accident on their driving record, 7% have a speeding ticket, and .5% have an OUI, according to Insurify data.
The table below highlights the average costs Lowell drivers face, based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $124 |
| Speeding ticket | $167 |
| At-fault accident | $151 |
| OUI | $203 |
With a population of around 120,000, Lowell is one of the largest cities in the Bay State, according to the U.S. census. Not too surprisingly, traffic congestion can sometimes become an issue in this city. That’s especially true at peak commuting hours.
Traffic can become particularly backed up around the ongoing road work in the city. Currently, the culvert replacement on Billerica Street, reconstruction work on the Veterans of Foreign Wars Parkway, and resurfacing work on state Route 110 are causing extra congestion.[5] Lowell also has a chronic pothole problem, with more than 300 community reports as of April, and more than 50% of the potholes are medium-sized.[6]
Additionally, the University of Massachusetts Lowell welcomes around 18,000 students every fall, increasing local congestion — especially on Pawtucket Street.
Although all Massachusetts drivers must carry a minimum amount of liability insurance, the Insurance Information Institute estimates that about 9% of Massachusetts drivers don’t have insurance. This may lead to higher costs for everyone else.
Lowell drivers spend an average of 28 minutes commuting each way, according to the U.S. Census Bureau. Traffic often backs up on state Route 110, which is a major thoroughfare for commuters. It doesn’t help that Route 110 is undergoing a major construction project, which has led to headaches for many drivers.[7]
The Massachusetts Department of Transportation also installed driver speed-feedback warning signs throughout the city. For example, officials added one on Wheeler Street to help reduce speeds through the busy intersection.
Save up to $1,100 per year on coverage
In Massachusetts, teen drivers can get a driver’s license as early as age 16 and a half. Teens need to have a valid learner’s permit for at least six months, maintain a clean driving record, and complete a sufficient amount of training.[8]
On average, Lowell teens pay $186 per month for liability coverage, but State Farm may offer cheaper rates.
The following table shows liability-only premiums from the cheapest auto insurance companies for teen drivers in Lowell.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $97 |
| USAA | $154 |
| GEICO | $154 |
| Progressive | $205 |
| Safeco | $209 |
| Liberty Mutual | $216 |
| Bristol West | $289 |
| Embark | $371 |
| Travelers | $399 |
| Amica | $484 |
More than 15,000 seniors call Lowell home, according to U.S. Census Bureau data. For drivers 60 and older, their experience behind the wheel translates into some of the cheapest rates in the city, with an average of $90 per month for liability-only car insurance.
The table below highlights the companies with the cheapest liability car insurance rates for senior drivers in Lowell.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| GEICO | $69 |
| USAA | $69 |
| Safeco | $90 |
| Progressive | $99 |
| Liberty Mutual | $104 |
| Bristol West | $138 |
| Travelers | $156 |
| Embark | $180 |
| Amica | $210 |
If you have more questions about car insurance in Lowell, Massachusetts, the following answers may help.
On average, drivers in Lowell pay $108 per month for liability car insurance and $140 for full coverage.
State Farm offers Lowell drivers the cheapest rates, at $52 per month for liability coverage. USAA and GEICO also offer affordable car insurance in Lowell.
Congestion, vehicle theft, the student population, road conditions, and occasional flooding threats all influence car insurance costs in Lowell.
Many insurers offer car insurance discounts to Lowell drivers. Possible discounts include a good student discount, a safe driving discount, and a multi-vehicle discount. You can also save by bundling other types of coverage, like home insurance or renters insurance, through the same insurance company.
Insurify data scientists analyzed more than 250 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 500+ 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:
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
