Cheap Auto Insurance Quotes in Lowell, MA (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$89
$113
$166
$166
AllstateGEICOTravelersLiberty Mutual
Monthly $

Cheapest Car Insurance in Lowell, MA

Here are the cheapest carriers in Lowell for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$137
$158
$161
$119
$134
MassachusettsBostonWorcesterSpringfieldCambridgeLowell
Monthly $

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
#16
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 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 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 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 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 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 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 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 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: --%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.