Cheapest Car Insurance In Lowell, MA 2025
GEICO comes in as the top pick for cheap minimum car insurance in Lowell, costing around $37 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for budget-friendly car insurance in Lowell, MA? Be ready for a wide spread in prices.
If you’re only looking for liability coverage, GEICO is the most affordable. Progressive comes out ahead for full coverage, and State Farm is typically the cheapest option for younger drivers.
Cheapest Car Insurance Companies In Lowell, MA 2025
Cheapest Liability-only Car Insurance In Lowell: GEICO
GEICO leads the way in Lowell for cheap minimum coverage, charging an average of $37 per month.
You can use the table below to quickly compare insurance rates from multiple companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safety Group | $40 | $480 |
| Plymouth Rock Assurance | $30 | $360 |
| Hanover | $38 | $456 |
| State Farm | $25 | $300 |
| Vermont Mutual | $35 | $420 |
Cheapest Full Coverage Insurance Rates In Lowell: State Farm
In Lowell, Progressive has the best full coverage rates, with average monthly costs coming in at $92.
The following table gives a snapshot of average car insurance costs from inexpensive providers in Lowell.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $75 | $900 |
| Safety Group | $90 | $1,080 |
| Vermont Mutual | $85 | $1,020 |
| Plymouth Rock Assurance | $60 | $720 |
| State Farm | $55 | $660 |
Cheapest Car Insurance Rates For Seniors: State Farm
For Lowell seniors, the most affordable car insurance comes from State Farm, averaging just $87 per month.
The following table features average car insurance quotes from the most affordable providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safety Group | $80 | $960 |
| USAA | $100 | $1,200 |
| Preferred Mutual | $95 | $1,140 |
| State Farm | $47 | $564 |
| Pure Companies Grp | $85 | $1,020 |
Cheapest Rates In Lowell For Teenagers: State Farm
If you’re a teen in Lowell, State Farm has the most affordable insurance, averaging $313 each month.
See the table below for a comparison of the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Preferred Mutual | $145 | $1,740 |
| Safety Group | $180 | $2,160 |
| State Farm | $70 | $840 |
| USAA | $165 | $1,980 |
| Liberty Mutual | $140 | $1,680 |
Cheapest Auto Insurance For Young Adults in Lowell: State Farm
Young adults in Lowell can expect to pay $238 per month on average for car insurance with State Farm, the most affordable option.
The following table provides a comparison of the cheapest car insurance options for young adults in Lowell.
| Provider | Average Monthly Cost | Average Annual Cost |
| Preferred Mutual | $145 | $1,740 |
| Safety Group | $180 | $2,160 |
| State Farm | $70 | $840 |
| USAA | $165 | $1,980 |
| Liberty Mutual | $140 | $1,680 |
Cheapest Car Insurance In Lowell For Good Drivers: GEICO
If you’re a safe driver in Lowell, GEICO is your best bet for cheap car insurance, with rates averaging $37 a month.
If you’re a safe driver, the table below gives a breakdown of average quotes from affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Preferred Mutual | $145 | $1,740 |
| Safety Group | $180 | $2,160 |
| State Farm | $70 | $840 |
| USAA | $165 | $1,980 |
| Liberty Mutual | $140 | $1,680 |
Cheapest Car Insurance In Lowell After A Speeding Ticket: State Farm
For those with a speeding violation, State Farm is one of the cheapest options in Lowell, with average monthly premiums of $176.
Check the table below to see how much drivers with a speeding ticket typically pay for car insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $110 | $1,320 |
| Plymouth Rock Assurance | $85 | $1,020 |
| Vermont Mutual | $125 | $1,500 |
| State Farm | $60 | $720 |
| Safety Group | $105 | $1,260 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault incident can expect to pay about $193 a month for insurance with State Farm, the cheapest option.
If you have an at-fault incident on your record, check out these companies for the cheapest car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safety Group | $160 | $1,920 |
| Plymouth Rock Assurance | $100 | $1,200 |
| Amica Mutual | $170 | $2,040 |
| State Farm | $75 | $900 |
| American Family | $105 | $1,260 |
Cheapest Car Insurance In Lowell For Drivers After A DUI: State Farm
With an average monthly rate of $188, State Farm is the most affordable choice for Lowell drivers with a DUI.
The table below provides a comparison of the lowest car insurance rates for drivers in Lowell who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $140 | $1,680 |
| Progressive | $160 | $1,920 |
| State Farm | $90 | $1,080 |
| Hanover | $150 | $1,800 |
| Plymouth Rock Assurance | $100 | $1,200 |
Best Car Insurance Companies In Lowell
In Lowell, AAA is the cheapest option, with monthly rates of $83. Progressive and GEICO are also worth considering, priced at $90 and $93 per month.
Below is a comparison of the top 10 car insurance providers in Lowell, MA, listed in order of their average monthly rates.
| Company | Monthly Premium |
| Liberty Mutual | $120 |
| Safety Group | $135 |
| State Farm | $70 |
| Encompass | $143 |
| Pure Companies Grp | $105 |
| Norfolk and Dedham Group | $145 |
| Preferred Mutual | $125 |
| ACE American Pool | $170 |
| USAA | $130 |
| Metropolitan | $160 |
Average Rates In Lowell – By Age
Age is a crucial factor in determining car insurance costs. Younger drivers, especially teens, are seen as higher risk, which means they pay more for insurance. On average, teens pay around $7,599 annually for coverage.
As drivers approach 25, their insurance premiums typically start to drop, assuming they maintain a clean driving history.
For drivers in their 50s and early 60s, insurance rates are often the most competitive. Insurance companies use age to determine experience and risk, which influences how much premiums will be.
| Age | Average Yearly Rate |
| Teenagers | $2,160 |
| 20s | $1,560 |
| 30s | $1,260 |
| 40s | $1,080 |
| 50s | $1,140 |
| 60s | $900 |
| 70s | $840 |
Average Rates In Lowell – By Vehicle
Your car’s make, model, year, and body type are crucial when determining insurance premiums. Generally, newer vehicles, especially luxury cars with advanced technology and higher replacement costs, tend to be more expensive to insure.
You can refer to the table below to compare average rates for different vehicles in Lowell.
| Vehicle | Average Monthly Rate |
| 2020 Hyundai Elantra | $75 |
| 2014 Bmw 535 | $210 |
| 2021 Kia Forte | $120 |
| 2010 Ford Escape | $70 |
| 2006 Honda Civic | $60 |
Average Cost Of Auto Insurance In Lowell – By Zip Code
Insurance companies use your zip code to gauge the crime rate in your area, which is why each zip code has its own car insurance rates.
You can use the table below to compare average insurance premiums across different zip codes in Lowell.
| City | Average Monthly Rate |
| 01850 | $108 |
| 01852 | $106 |
| 01854 | $110 |
| 01851 | $113 |
How Much Is Car Insurance In Other Cities in Massachusetts?
The city where you live impacts your car insurance premiums. Insurers assess local risks like accidents, vehicle theft, and vandalism, which are more common in urban areas, leading to higher rates.
As an example, car insurance in Los Angeles averages $243 per month, while the rate in San Diego is typically $176 per month.
| City | Average Monthly Rate |
| Lawrence | $140 |
| Andover | $79 |
| New Bedford | $135 |
| Boston | $132 |
| Haverhill | $96 |
| Brockton | $156 |
| Framingham | $100 |
| Cambridge | $108 |
| Fall River | $128 |
| Chicopee | $96 |
Our Methodology
With a thorough analysis of customer service, product options, pricing, and feedback from online reviews, I’ve put together a complete picture of the car insurance landscape in Lowell, MA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Lowell?
GEICO has the best rates for minimum coverage in Lowell, and if you need full coverage—including collision and comprehensive—Progressive offers the lowest price.
What is the average cost of car insurance in Lowell?
The average monthly rate for car insurance in Lowell is approximately $180, but your cost could differ depending on factors such as your zip code, car model, and driving history.
