Best Car Insurance in Lawrence 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Lawrence.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
December 29, 2020Chevrolet Sonic LT0184130Safeco$147/mo.$74/mo.
July 13, 2021Hyundai Sonata SE0184162Safeco$270/mo.$194/mo.
April 8, 2021Acura TL Tech0184160Safeco$300/mo.$273/mo.
Here’s more information about what impacts the insurance rates in your Lawrence.

How much does car insurance cost in Lawrence?

Car insurance in Lawrence, Massachusetts costs single-car drivers an average of $3,142 annually, or about $262 per month. Compared to the state annual average of $2,910, auto insurance in Lawrence is $232 higher higher.
Lawrence is located on the Merrimack River just 30 miles north of Boston. It’s a fairly large city with a higher-than-average crime rate, which means that cheap car insurance isn’t always easy to come by.
If you want to purchase car insurance in Lawrence, the insurance comparison and broker app Jerry is here to help! We’re breaking down everything you need to know about insuring your vehicle in Lawrence, MA.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$3,223$2,143$3,086$1,764$3,423$2,486
LawrenceNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Lawrence

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Drivers in Massachusetts are spoiled for choice when it comes to insurance companies. In Lawrence, State Farm, GEICO, and Liberty Mutual are popular options.
That said, the right insurance company for you will depend on factors like your driving history, demographics, vehicle, discount eligibility, and more. Jerry can help you quickly compare rates to find the best deal on your car insurance.
Here’s what drivers pay with various insurance providers in Lawrence before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,978$526Compare Prices
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What kind of car insurance you need in Lawrence

In Lawrence, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Massachusetts, drivers must have the following insurance before hitting the road:
Drivers must also have proof of insurance, a license, and valid car registration in the car at all times.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While the mandatory minimums are helpful, they leave a gaping hole: your vehicle. If you want coverage for your vehicle after an accident, you’ll need to purchase additional insurance.
Here are some recommended coverage options for drivers in Lawrence:
FactorRecommended coverageDescription
TrafficCollision insuranceTraveling in a busy city like Lawrence can mean a greater chance for accidents. Collision insurance covers damage to your vehicle if you’re involved in one.
Proximity to the cityAccident forgivenessLawrence is less than half an hour away from Boston. If you get into a fender bender while dealing with city gridlock, accident forgiveness will prevent your car insurance rates from increasing.
Inclement weatherComprehensive coverageMassachusetts is prone to severe weather throughout the year, including flooding and winter storms. Comprehensive insurance pays for damage to your vehicle that isn’t the result of a collision, like from a severe weather event.
City streetsRoadside assistanceLawrence is a pretty city—but it still has the typical debris on its streets. If you run over a nail or construction debris, roadside assistance will have you covered with a tow, tire change, and more.

What determines your car insurance cost in Lawrence

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Lawrence, you could be paying as much as $138 more per month than an adult driver. These are average rates for Jerry customers in Lawrence broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Lawrence with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,206$453
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Where in Lawrence you live

It may seem like insurance rates in Lawrence should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Lawrence, residents of -- will have the most expensive car insurance rates, while people who live in 01841 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Lawrence:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
December 29, 202001841Chevrolet Sonic LTMA30Safeco$147/mo.$74/mo.
July 13, 202101841Hyundai Sonata SEMA62Safeco$270/mo.$194/mo.
April 8, 202101841Acura TL TechMA60Safeco$300/mo.$273/mo.
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Why is car insurance in Lawrence so expensive?

A variety of considerations determine baseline car insurance rates in Lawrence. Insurance companies often consider the following:

Proximity to the city

Lawrence is only 25 miles away from Boston, which means it’s not uncommon for roads to be fairly busy with commuters. Busier roads mean a greater chance for accidents.

Crime rate

Lawrence ranks in the top 10 for crime in Massachusetts, which means insurance companies see you as a higher risk for submitting a claim. Your auto insurance rates may be slightly higher as a result.

Inclement weather

Massachusetts experiences its fair share of rough weather, including winter storms and hurricanes. Inclement weather can put a heavy burden on insurance companies and tend to result in more expensive premiums.

How can you save money on car insurance in Lawrence?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts to help reduce the cost of car insurance. Here are some common discounts for drivers in Lawrence:
Senior discountsSome insurance companies offer special discounts for drivers over the age of 55.
Driver affiliationMilitary personnel, healthcare workers, teachers, and some other professions may see discounts on their premiums.
Defensive drivingCompleting a defensive driving course lowers your risk on the road—and your insurance rate.
Winter tiresInstalling snow tires on your vehicle for the winter can net you small savings on your annual premium.
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