Best Lowell, MA Auto Insurance in 2024 (Find the Top 10 Companies Here)
Geico, State Farm, and Progressive offer the best Lowell, MA, auto insurance, with rates starting at $45/month. These are the leading auto insurance providers in Lowell, recognized for their affordable rates, outstanding claims support, and a range of discounts designed to meet the needs of local drivers.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 22, 2024
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Average Monthly Rate For Good Drivers
A.M. Best Rating
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13,128 reviews
Geico is the provider that offers the best Lowell, MA, auto insurance and the most competitive rates beginning at $45 per month for dependable and premium coverage.
Alongside Geico, State Farm and Progressive provide various discounts for different types of car insurance, securing the most affordable auto insurance for your vehicle needs in Lowell, Massachusetts.
Our Top 10 Company Picks: Best Lowell, MA Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Cost Savings Geico
#2 17% B Cheap Rates State Farm
#3 10% A+ Biggest Discount Progressive
#4 13% A++ Comprehensive Coverage Travelers
#5 20% A+ Vanishing Deductible Nationwide
#6 30% A+ Customer Satisfaction Amica
#7 20% A Group Discounts Farmers
#8 25% A Diverse Coverage Liberty Mutual
#9 10% A High-Risk Drivers The General
#10 10% A+ Infrequent Drivers Allstate
Are you tired of looking for the best and cheapest Lowell, Massachusetts, auto insurance? Read through our guide below to compare the leading insurance providers. Enter your ZIP code now to begin.
- Geico delivers top-quality auto insurance in Lowell, MA starting at just $45/month
- State Farm and Progressive offer cheap rates along with excellent customer service
- Comparing quotes around helps you get the best auto insurance in Lowell
#1 – Geico: Top Overall Pick
Pros
- Affordable Premiums for Lowell Drivers: Geico offers competitive rates, starting as low as $45/month, making it a top choice for budget-conscious car owners in Lowell.
- Convenient Digital Tools: With easy-to-use apps and online claim management, Geico stands out as a convenient option for Lowell residents looking for efficient service.
- Wide Range of Discounts: From safe drivers to military members, Geico provides numerous ways for Lowell drivers to save on their policies.
Cons
- Limited Local Agent Support: While Geico excels online, it may not offer the in-person support many Lowell drivers prefer. Elevate your knowledge with our “Geico Insurance Review.”
- Generic Coverage Options: The broad offerings might not cater to those looking for highly personalized service specific to Lowell’s unique needs.
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#2 – State Farm: Best for Cheap Rates
Pros
- Local Agent Accessibility in Lowell: With a robust network of agents in Lowell, State Farm is an ideal choice for drivers who prefer face-to-face service.
- Top-Rated Customer Support: Lowell residents benefit from excellent service with high marks for responsiveness. Check out our “State Farm Auto Insurance Review” for more.
- Policy Bundling Savings: Lowell drivers can save by combining home and auto insurance, making it a great choice for those looking to secure comprehensive coverage.
Cons
- Higher Rates for Risky Drivers: Lowell drivers with less-than-perfect driving records may find State Farm’s rates more expensive than other providers.
- Inconsistent Mobile Experience: Some customers report glitches in State Farm’s mobile app, affecting the overall experience for tech-savvy Lowell drivers.
#3 – Progressive: Best for Biggest Discount
Pros
- Wide Array of Discounts for Lowell Drivers: From good student to multi-policy discounts, Progressive’s savings options make it a strong contender for those seeking the best deals in Lowell.
- Easy Online Tools for Comparison: Progressive’s quote comparison tool allows Lowell drivers to quickly compare policies and find the best coverage for their needs.
- Rewards for Safe Driving: Lowell drivers who demonstrate safe driving habits can take advantage of the Snapshot program, lowering their rates over time.
Cons
- Average Service Quality: While Progressive offers competitive rates, some Lowell drivers may find customer service less responsive than other top insurers.
- Rate Increases After Claims: Drivers in Lowell may see higher premiums after an accident, even if it’s their first claim. Explore details in our “Progressive Auto Insurance Review.”
#4 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Travelers provides coverages like gap insurance and accident forgiveness, which are essential for Lowell residents who want protection.
- Financial Stability for Peace of Mind: Known for its solid financial backing, Travelers ensures that Lowell drivers can rely on them when it matters most.
- Multi-Policy Discounts: Drivers in Lowell can bundle their auto and home insurance policies, taking advantage of significant savings.
Cons
- Higher Rates for Riskier Drivers: Drivers in Lowell with poor histories may find Travelers’ to be on the higher side. Read our “Travelers Auto Insurance Review” to find out more.
- Fewer Discounts: Unlike some competitors, Travelers doesn’t offer as many discount options, making it less appealing for some Lowell drivers.
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#5 – Nationwide: Best for Vanishing Deductible
Pros
- Unique Rewards for Lowell Drivers: Nationwide’s vanishing deductible and accident forgiveness options make it a strong choice for Lowell drivers seeking added perks.
- Tailored Coverage Add-Ons: Lowell drivers can customize their policies with a variety of add-ons to meet their specific needs.
- Great for Multi-Policy Savings: Bundling policies with Nationwide offers great savings, making it a smart option for Lowell families.
Cons
- Rates Vary by Location: While Nationwide offers competitive rates, premiums can differ significantly depending on the Lowell area, so it’s important to get a personalized quote.
- Limited Agent Availability: Lowell drivers who prefer in-person interactions may find fewer agents in their area. Discover what lies beyond with our “Nationwide Review.“
#6 – Amica: Best for Customer Satisfaction
Pros
- Highly Rated for Customer Satisfaction: Amica is consistently ranked highly for customer service, making it one of the top choices for drivers in Lowell who prioritize support.
- Dividend Programs for Lowell Drivers: Amica’s dividend policies give back a portion of premiums, offering financial relief for long-term customers in Lowell.
- Flexible Coverage for Specific Needs: Whether it’s personal or unique coverage options, Amica allows Lowell drivers to tailor their policies to fit their needs.
Cons
- Higher Premiums: For Lowell drivers looking for budget-friendly options, Amica’s premiums can be on the higher end compared to other providers.
- Limited Availability in Certain Areas: Some Lowell residents may find Amica’s coverage unavailable in certain areas. Read more through our Amica auto insurance review.
#7 – Farmers: Best for Group Discounts
Pros
- Group Discount Opportunities: Lowell residents affiliated with eligible groups or employers can benefit from Farmers’ group discount programs, helping lower premiums.
- Comprehensive Coverage Options: Farmers offers a variety of coverage options, making it a good choice for Lowell drivers who need customized insurance.
- Personalized Service Through Local Agents: Farmers has a strong network of local agents in Lowell, offering personalized service that some other insurers may lack.
Cons
- Higher Premiums for Some: Farmers can be more expensive than competitors, making it less ideal for Lowell drivers on a tight budget. Learn more with “Farmers Insurance Review.”
- Inconsistent Digital Experience: Farmers’ app and website may not be as intuitive, affecting Lowell drivers who rely on efficient online tools.
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#8 – Liberty Mutual: Best for Diverse Coverage
Pros
- Wide Range of Coverage Options: Liberty Mutual’s diverse coverage offerings, like new car replacement, cater well to Lowell drivers who want flexibility.
- Customizable Policies for Lowell Residents: Whether it’s liability, collision, or comprehensive coverage, Liberty Mutual offers tailored options for drivers in Lowell.
- Strong Discounts: Lowell drivers can benefit from Liberty Mutual’s savings for good driving habits, bundling, and more. For more, refer to our “Liberty Mutual Auto Insurance Review.”
Cons
- Higher Premiums Than Competitors: Liberty Mutual’s rates are often higher, which may deter drivers in Lowell seeking more affordable options.
- Variable Customer Service: The quality of service may fluctuate, with some Lowell drivers reporting less-than-ideal experiences.
#9 – The General: Best for High-Risk Drivers
Pros
- High-Risk Driver Coverage in Lowell: The General specializes in offering coverage to drivers with less-than-ideal driving records, making it an ideal choice for some Lowell residents.
- Flexible Payment Plans: Drivers in Lowell who need more flexibility in their payments will appreciate The General’s variety of options.
- Quick Online Quotes: The General’s fast and easy online quotes make it simple for Lowell drivers to get an estimate and secure coverage.
Cons
- Limited Coverage Options: Lowell drivers looking for a broader range of policies may find The General’s offerings basic. Read more through our The General auto insurance review.
- Mixed Customer Reviews: The General’s reputation is somewhat inconsistent, which could be a concern for Lowell drivers prioritizing reliable service.
#10 – Allstate: Best for Infrequent Drivers
Pros
- Low-Mileage Savings for Lowell Drivers: Allstate offers usage-based insurance options that can benefit Lowell drivers who don’t drive often.
- Innovative Programs: With tools like Drivewise, Allstate rewards Lowell drivers for safe driving, offering a way to lower rates.
- Bundle Discounts: Lowell drivers can save by bundling auto and home insurance with Allstate’s flexible options. Read more through our Allstate auto insurance review.
Cons
- Higher Rates for Many Drivers: Allstate may not be the best choice for Lowell drivers looking for the most affordable options.
- Increased Premiums After Claims: Lowell drivers may see their rates go up after an accident, which could impact long-term affordability.
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Cheapest Auto Insurance Rates in Lowell, Massachusetts
Ready to secure the best auto insurance in Lowell? Lowell’s average auto insurance cost is $287.50 per month and $3,449.96 annually. Most states allow companies to determine your auto insurance by age and gender.
Lowell, MA Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$72 $154
$62 $148
$70 $150
$50 $120
$67 $151
$64 $147
$58 $142
$45 $138
$68 $153
$66 $145
However, as of 2012, Massachusetts auto insurance companies can no longer use gender in rate calculations. Lowell, MA, also does not have varying auto insurance rates by ZIP code. The street you live on does not impact what you pay.
Auto Insurance Discounts From the Top Providers in Lowell, MA
Insurance Company Available Discounts
Early Signing, Anti-Theft, Full-Pay, Responsible Payer
Loyalty, Bundling, Claim-Free, Autopay
Homeowner, Multi-Vehicle, Safe Driver, Professional Groups
Military, Good Student, Bundling, Anti-Theft
Military, Multi-Vehicle, Hybrid Vehicle, Advanced Safety Features
Paperless, Anti-Theft, Accident-Free, Bundling
Good Student, Bundling, Safe Driver, Paperless
Accident-Free, Defensive Driving, Multi-Vehicle, Drive Safe
Safe Driver, Defensive Driving, Multi-Vehicle, Military
Bundling, Homeownership, Safe Driver, Early Quote
So, how do you get the cheapest rates in Lowell? Prove to insurance companies that you are a low-risk driver for them to insure. Keep reading to find out what we mean. Enter your ZIP code now to begin.
Impact of Gender and Age in my Auto Insurance in Lowell
What’s the cheapest auto insurance in Lowell, Massachusetts? The answer will be different depending on your individual needs. In most states, companies determine your auto insurance rates by gender and age.
Kristine Lee
Licensed Insurance Agent
Remember, considering gender when calculating auto insurance rates is illegal in Massachusetts. However, age still plays a significant role in determining premiums. Young drivers, due to their lack of experience and higher likelihood of accidents, often face higher rates.
Lowell, MA Monthly Auto Insurance Premiums
| Insurance Company | Rates |
|---|---|
| $154 |
| $148 |
| $150 |
| $120 |
| $151 |
| $145 |
| $142 |
| $138 |
| $153 |
| $144 |
When exploring types of car insurance, young drivers should consider comprehensive and collision coverage to protect against potential risks, even if it means paying a bit more upfront.
They are charged dramatically higher than average auto insurance rates to offset the potential risk they pose to insurance companies. Once you hit 25, your annual rates decrease dramatically and continue to do so as you age.
Lowell, MA Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $100 | $120 | $150 | $180 |
| $95 | $110 | $140 | $170 |
| $105 | $125 | $155 | $185 |
| $85 | $105 | $135 | $165 |
| $110 | $130 | $160 | $190 |
| $98 | $115 | $145 | $175 |
| $92 | $115 | $145 | $175 |
| $103 | $118 | $148 | $178 |
| $120 | $140 | $170 | $200 |
| $108 | $128 | $158 | $188 |
If you’re a teen driver, look for driving schools in Lowell, MA, that offer safe driving courses. Good student discounts combined with driver’s education courses may help lower your rates.
ZIP Codes with the Cheapest Auto Insurance Rates in Lowell, MA
Companies commonly determine your rates for auto insurance by ZIP code. They review factors such as city density and crime rates to fairly calculate premiums. Understanding how these factors impact your rates can help you choose the right coverage to meet your needs and budget.
Lowell, MA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 2,500 |
| Total Claims Per Year | 1,800 |
| Average Claim Size | $4,000 |
| Percentage of Uninsured Drivers | 7% |
| Vehicle Theft Rate | 120 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Moderate |
The neighborhoods with the highest auto insurance rates by ZIP codes usually have more people and crime. The lowest insurance ZIP codes are usually less populated and have lower crime rates.
Even though Lowell has four different ZIP codes, every neighborhood pays the same average rate of $3,449.96 annually. Fortunately, you know you’re getting the same deal as your neighbors.
Lowell, MA Auto Insurance Monthly Rates by Make & Model
| Insurance Company | 2024 Honda Accord | 2024 Porsche Boxster Spyder |
|---|---|---|
| $95 | $220 |
| $90 | $215 |
| $100 | $230 |
| $85 | $205 |
| $105 | $240 |
| $98 | $225 |
| $92 | $210 |
| $98 | $225 |
| $120 | $250 |
| $110 | $235 |
Living in Lowell, you’re more likely to get lower rates than you are to secure cheap auto insurance in Springfield, MA. Worcester also has higher average monthly rates. The decrease in costs is likely due to Lowell’s lower crime rates and low population density. Enter your ZIP code now to begin.
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Companies with the Best Auto Insurance Rates in Lowell
No one wants to pay the highest auto insurance rates by Lowell standards. To help you secure lower auto insurance rates, we’ve got to start thinking like the auto insurance companies. For instance, understanding how they assess automobile liability coverage can give you an edge.
Lowell, MA Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Busy urban traffic |
| Uninsured Drivers Rate | B | Few uninsured drivers |
| Weather-Related Risks | B | Occasional snowstorms |
| Average Claim Size | C | Moderate repair costs |
| Vehicle Theft Rate | C | Moderate vehicle theft |
Some companies are less active than others in your city, which means they’ll never be able to provide you with the most competitive auto insurance quotes.
What’s the cheapest auto insurance in Lowell, Massachusetts? Comparing quotes from multiple companies will help determine who can offer you the best rates. Look at the following table, which compares the average rates folks in Lowell pay annually for auto insurance.
Lowell, MA Fatal Accidents
| Category | Count |
|---|---|
| Persons involved in fatal crashes | 30 |
| Vehicles involved in fatal crashes | 25 |
| Fatalities | 25 |
| Fatal accident count | 20 |
| Fatal crashes involving drunk persons | 7 |
| Pedestrians involved in fatal accidents | 5 |
State Farm offers the most competitive rates in your city and the cheapest auto insurance in Massachusetts for new drivers.
USAA is close behind; however, it is a military insurance company, and its services are only available for active-duty to retired military personnel.
Lowell, MA Auto Insurance Monthly Rates by Provider & Coverage Type
| Insurance Company | Collision | Comprehensive |
|---|---|---|
| $98 | $115 |
| $90 | $105 |
| $95 | $113 |
| $85 | $100 |
| $105 | $125 |
| $102 | $118 |
| $92 | $110 |
| $94 | $112 |
| $110 | $130 |
| $100 | $120 |
Other major companies, like Progressive and Liberty Mutual, give higher rates in the Lowell area and may be unable to offer competitive quotes. Keep in mind that insurance coverage isn’t just about low rates. Customer service and efficient claims handling are important, too.
Factors Affecting Auto Insurance Rates in Lowell, MA
The goal is to secure cheap car insurance in Lowell, MA, but how are premiums calculated? We discussed some factors that affect auto insurance in Lowell, like your age and driving record.
Companies use this information to determine your auto insurance rating tiers. Low-risk drivers receive cheap auto insurance premiums. We also mentioned specifics that companies cannot use in determining your auto insurance quotes, like your gender and credit history.
Now let’s talk about road conditions, traffic congestion, and even the crime rate in Lowell, MA. All of these factors can influence not only your premium but also the amount you might have to pay out-of-pocket for an auto insurance deductible in the event of an accident or claim. Enter your ZIP code now to begin.
Frequently Asked Questions
What are the average monthly rates for auto insurance in Lowell, MA?
The average rate for auto insurance per month in Lowell is approximately $287.50. This amounts to an annual cost of about $3,449.96.
How do Geico’s rates compare to other providers in Lowell?
Geico is known for providing the most competitive rates in Lowell, with premiums starting at $45 per month. It is considered one of the best options for affordable coverage in the area. Enter your ZIP code now to begin comparing rates.
Which insurance company offers the best discounts for Lowell drivers?
Why is State Farm a popular choice for Lowell residents seeking affordable coverage?
State Farm is popular in Lowell due to its competitive rates and large network of local agents offering personalized service. Its policy bundling options also make it an economical choice for many drivers.
What coverage options does Progressive offer to Lowell drivers?
Progressive offers variety of insurance coverage, including liability, comprehensive, and collision. Additionally, it offers deals, such as the Snapshot program perfect for safe drivers. Enter your ZIP code now to begin comparing rates.
How does Travelers’ customer service stand out in Lowell?
Aside from avoiding any lapse in insurance coverage and ensuring continuous protection when needed most, Travelers is known for being the best in client service.
Which auto insurance provider in Lowell offers vanishing deductible benefits?
Nationwide offers a unique vanishing deductible program, which reduces your deductible over time as you remain claim-free. This is an appealing option for Lowell drivers looking to reduce their out-of-pocket costs.
How does Nationwide’s multi-policy discount work for Lowell drivers?
Nationwide provides Lowell drivers the chance to bundle their auto insurance with home insurance, which leads to significant discounts. This system can help lower premiums while ensuring complete coverage across policies. Enter your ZIP code now to begin comparing rates.
What are the pros and cons of Amica’s customer service for Lowell residents?
Amica is known for excellent customer service, but offering higher than some competitors premiums.
To make the most of its offerings, it’s worth checking if you qualify for any car insurance discounts, as they can help reduce the overall cost despite higher base premiums.
How does age influence auto insurance premiums in Lowell, MA?
Young drivers in Lowell face more increased auto premiums due to their lack or no experience and higher risk of accidents. However, rates tend to decrease significantly as drivers age and gain more experience, especially after 25.