Cheapest car insurance quotes in Lowell
Hey, Bay State driver! On average, auto insurance in Lowell costs about $100 per month for minimum coverage liability insurance, and about $139 per month for full coverage insurance. Lowell drivers pay 0% less than the Massachusetts average.
Thousands of drivers in Lowell trust Jerry Insurance Agency to help them find the best rates on car insurance from the best auto insurance companies. Jerry lets you compare and buy car insurance policies with no phone calls, no emails, and no hassle!
Below are some cheapest car insurance quotes Jerry found for our Lowell customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Embark General | $386 | 34 | 01851 | Chevrolet Malibu Classic | State Minimum | No |
| Embark General | $477 | 30 | 01850 | Jeep Grand Cherokee Limit | State Minimum | Yes |
| Embark General | $280 | 27 | 01854 | Ford Escape Limited | State Minimum | No |
| Embark General | $438 | 23 | 01851 | Chevrolet Cruze Ls | State Minimum | No |
| Bristol West | $141 | 44 | 01851 | Hyundai Tucson Gls | State Minimum | Yes |
Best car insurance companies in Lowell
Finding the best rate for car insurance is a tricky task. Luckily, Jerry conducted a national insurance survey to uncover the best providers for drivers.
The study shows that there isn’t a “best” or “cheapest” insurance company for every driver in Lowell. Rather, auto insurance companies use different algorithms to calculate insurance rates, so not every company will offer the same rate for the same driving profile—even in the same city.
In Lowell, ROOT, Liberty Mutual, and National General tend to offer the cheapest rates. However, our survey revealed that USAA, Travelers, and Progressive get strong reviews from Lowell drivers, too.
Here’s what Lowell drivers have to say about these popular insurance providers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Travelers | 4.8 | 4.3 | N/A | 4.5 |
| Safeco | 4.7 | 4.6 | N/A | 4.6 |
| Progressive | 4.6 | 4.2 | 4.6 | 4.4 |
| Liberty Mutual | 3.9 | 3.4 | 3.2 | 4 |
| Geico | 3.6 | 3.1 | 3.7 | 3.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lowell
Before you can get behind the wheel of a car in Lowell, you must have car insurance that meets the state’s minimum insurance requirement.
Massachusetts car insurance laws require all drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP).
Cheap minimum liability insurance quotes in Lowell
In order to legally hit the road, Lowell drivers need to meet Massachusetts’s minimum coverage limits for bodily injury liability and property damage liability. They can be summarized as 20/40/5:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $8,000 personal injury protection per person, per accident
- $20,000 for bodily injury per person from an uninsured motorist
- $40,000 for bodily injury per accident from an uninsured motorist
Jerry helps Lowell drivers find affordable minimum liability coverage. Here are some examples of Lowell car owners and how much they pay for coverage, thanks to help from Jerry.
Do you need more than minimum coverage in Lowell?
Compared to other states, the minimum car insurance requirements in Massachusetts are low. Most Lowell drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.
If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled wouldn’t be covered by state minimum coverage, and medical expenses can quickly exceed $8,000.
The bottom line: For better financial protection, Lowell drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage—and opt for full coverage on your car.
Cheap full coverage car insurance quotes in Lowell
Buying a full-coverage auto insurance policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.
A full coverage policy in Lowell includes liability insurance plus comprehensive and collision coverage:
- Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
- Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you have a loan or lease on your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
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Liability Limits
|
Has Full Coverage
|
Age
|
Zip Code
|
Insurance Company
|
Premium (monthly)
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | 34 | 01851 | Embark General | $386 | Chevrolet Malibu Classic |
| State Minimum | Yes | 30 | 01850 | Embark General | $477 | Jeep Grand Cherokee Limit |
| State Minimum | No | 27 | 01854 | Embark General | $280 | Ford Escape Limited |
| State Minimum | No | 23 | 01851 | Embark General | $438 | Chevrolet Cruze Ls |
| State Minimum | Yes | 44 | 01851 | Bristol West | $141 | Hyundai Tucson Gls |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Lowell
We’ve worked with several top insurance providers in Lowell, and we’ve found that the average cost for minimum liability coverage is $100 per month or $1,200 per year. The average cost for full coverage insurance in Lowell is $139 per month or $1,662 per year.
The average cost of car insurance in Lowell is indicative of what you can expect to pay—but because insurance costs are determined by several factors like age and driving record, you may pay more or less. Rates will also vary between providers.
Average cost of car insurance in Lowell by zip code
Every city contains more than one zip code—and every zip code has a unique risk profile. This means that you and your friend, who lives in another area of Lowell, could be charged totally different rates for coverage.
According to the insurance companies, one of you may be more vulnerable to auto theft, traffic accidents, or other high-risk scenarios simply due to your zip code.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 1850 | $49 | $78 |
| 1852 | $27 | $36 |
Car insurance quotes in Lowell by rating factors
Insurance companies in Lowell use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles.
- Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Plus, rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
Cheap car insurance quotes in Lowell after driving violations
Your Massachusetts driving history impacts your auto insurance quotes.
A violation on your driving record is never ideal—and it can have significant consequences for your car insurance rates. A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates (like 30% higher!).
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Violation
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
|
Liability Limits
|
Has Full Coverage
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|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $81 | 36 | 01854 | Toyota Avalon Limited | State Minimum | No |
| Speeding Violation-Minor | Embark General | $213 | 45 | 01854 | Bmw 128 I | State Minimum | Yes |
| Speeding Violation-Major | Embark General | $258 | 36 | 01854 | Chevrolet Trailblazer Ls | State Minimum | No |
| Speeding Violation-Minor | Embark General | $305 | 57 | 01851 | Volkswagen Jetta Hybrid | State Minimum | Yes |
| Speeding Violation-Minor | Embark General | $318 | 31 | 01854 | Audi Q7 Tdi Premium Plus | State Minimum | Yes |
Cheapest car insurance in Lowell after DUI
A serious driving violation like a DUI in Lowell can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your second Massachusetts DUI, for instance.
Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than Lowell drivers without a DUI.
The best way to secure an affordable rate on Lowell car insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.
Jerry has helped several local drivers with a DUI find the lowest rates.
Cheapest car insurance in Lowell after an at-fault accident
At-fault accidents on your driving record can be a big cause for an increase in your insurance rate—whether they happened in Lowell or somewhere else.
Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are—and the more likely they are to have to make a payout.
If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.
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Accident type
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Premium (monthly)
|
Insurance Company
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Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $141 | Bristol West | 44 | 01851 | Hyundai Tucson Gls | State Minimum | Yes |
| At Fault With No Injury | $288 | Bristol West | 34 | 01854 | Ford Escape Se | State Minimum | Yes |
| At Fault With No Injury | $156 | Bristol West | 32 | 01851 | Gmc Yukon Slt | State Minimum | Yes |
| At Fault With No Injury | $101 | Bristol West | 30 | 01851 | Honda Pilot Ex | State Minimum | No |
| Not At Fault | $135 | Embark General | 31 | 01854 | Subaru Impreza Limited | State Minimum | No |
Cheapest car insurance in Lowell after other driving violations
A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license. All of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.
In Lowell, here are some examples of how Jerry helped drivers with violations find affordable insurance.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Ticket Violation Not Listed | Bristol West | $176 | 31 | 01852 | Acura Rdx | State Minimum | Yes |
| Other Minor | Embark General | $137 | 62 | 01854 | Mitsubishi Outlander Sport Es | State Minimum | No |
| Failure to Stop | Embark General | $312 | 41 | 01854 | Jeep Grand Cherokee Laredo | State Minimum | Yes |
| Other Minor | Embark General | $228 | 32 | 01854 | Honda Accord Ex | State Minimum | No |
| Failure to Stop | Embark General | $238 | 36 | 01851 | Toyota Camry Ce | State Minimum | No |
Cheap car insurance quotes in Lowell by age
Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 75 tend to pay the highest rates for insurance in Lowell due to a lack of driving experience and a higher risk of death and injury, respectively.
Cheapest car insurance in Lowell for young drivers
Younger drivers—people under 25—pay the most for insurance of any age group in Lowell. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim.
Do note that you may notice lower premiums for a teen driver who only has a Massachusetts provisional license. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.
Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again.
If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.
Cheapest car insurance in Lowell for senior drivers
Apart from drivers under 19, drivers over 60 have some of the highest insurance rates in Lowell—despite having more driving experience.
Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher insurance rates for seniors in Lowell.
Cheap car insurance quotes in Lowell based on insurance history
Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium.
Insurers want to know that you haven’t had a lapse in insurance coverage, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate.
Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Cheap car insurance quotes in Lowell for popular cars
The type of car you drive can influence how much you pay for your premium. Generally speaking, the higher your car’s book value, the more you’ll pay to insure it. But that’s not it—other factors associated with your car that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
In Lowell, here are some of the most popular cars:
- Nissan Maxima
- Hyundai Sonata
- Jeep Grand Cherokee
- Honda CR-V
- Toyota RAV4
- Nissan Altima
- Toyota Corolla
- Honda Civic
- Toyota Camry
- Honda Accord
Learn More: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Jeep Grand Cherokee Limit | Embark General | $477 | 30 | 01850 | State Minimum | Yes |
| Honda Accord Ex-L | Bristol West | $247 | 25 | 01852 | State Minimum | Yes |
| Toyota Camry | Bristol West | $105 | 33 | 01852 | State Minimum | Yes |
| Honda Civic Ex | Bristol West | $105 | 38 | 01851 | State Minimum | Yes |
| Toyota Camry L | Bristol West | $284 | 24 | 01851 | State Minimum | Yes |
Cheapest car insurance in Lowell for new vs. old car
Although the value of most cars usually decreases with age, that doesn’t always mean older cars have cheaper insurance.
Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate, regardless of age. More safety features in a vehicle can also help to reduce insurance costs.
In general, newer cars cost more to insure than older cars. At Jerry, we found that Massachusetts’s average full coverage insurance cost for a car older than 10 years is $152 per year. The average cost for insuring a car less than 4 years old goes to $79 a year.
This doesn’t change much from city to city.
How to lower car insurance costs in Lowell
1. Shop around and compare quotes
Insurance companies use different rules to set premiums, which are constantly changing. To ensure affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this process simple! In just 45 seconds, Jerry collects quotes from 55+ top insurance providers to help you find the best auto insurance coverage at the best price. And the best part? Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. If you have a relatively clean driving record (aka no at-fault accidents and minimal points on your license), then you might qualify for a nice discount.
- Telematics discounts. Several companies provide convenient discounts to drivers who employ telematics for tracking their driving habits. There’s even a possibility of receiving a discount merely by enrolling in the program!
- Good student discounts. If you are currently enrolled as a full-time student in high school or college and maintain a B average or higher, chances are high that you are eligible for a discount from your insurance provider.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Lowell, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
