Cheapest and Best Car Insurance Companies in Lowell, MA

Plymouth Rock Assurance is the cheapest provider for minimum and full coverage policies, as well as for drivers with a DUI or at-fault accident. It's also the most affordable company for drivers with a military background. GEICO has the least expensive rates for drivers with speeding tickets, whereas Progressive offers low rates for teens. Chubb ranked as the top company for full and minimum coverage levels.

Lowell drivers will find the cheapest auto insurance policies with the following insurers:

• Plymouth Rock Assurance: $277 per year
• Hanover: $311 per year

State Farm is also affordable at $286 per year, but it's only available to current policyholders. We found that Safety Group offers the priciest premiums at around $916 per year. The cheapest car insurance in Massachusetts is State Farm, costing roughly $221 per year.

Massachusetts mandates that all drivers have coverage for bodily injury, property damage, uninsured motorist and personal injury protection as follows:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $5,000 property damage liability per accident
• $20,000 uninsured motorist coverage per person
• $40,000 uninsured motorist coverage per accident
• $8,000 personal injury protection

If a driver causes an accident, minimum coverage protects them against significant expenses. In the Bay State, each person is covered up to $20,000 for medical expenses and up to $40,000 for each accident. Regardless of who is at fault, the required $8,000 in personal injury protection will pay for medical costs, lost wages and other related expenses.

The most affordable full coverage policy in Lowell is:

• Plymouth Rock Assurance: $796 per year
• GEICO: $951 per year

State Farm is only available to those with an existing policy, and its average annual premium is approximately $583 per year. At $2,091 per year, Safety Group charges the most expensive rates. In Massachusetts, the cheapest full coverage auto insurance costs roughly $483 per year with State Farm.

Full coverage offers added protection through collision and comprehensive coverage.

• Collision Insurance: Covers damages if you crash with another car or object.
• Comprehensive Insurance: Covers damage to your car caused by non-collision incidents like theft, animals or natural disasters.

Those with newer vehicles should consider full coverage since it can protect a recent investment. Drivers with older cars, however, might not find full coverage cost-effective.

Lowell residents with driving offenses will find the most affordable premiums with the following auto insurance providers:

• Speeding ticket: GEICO ($1,061 per year)
• At-fault accident: Plymouth Rock Assurance ($1,199 per year)
• DUI: Plymouth Rock Assurance ($1,259 per year)

Safety Group has the priciest rates for drivers after an accident ($3,797 per year), a DUI ($4,690 per year) or a speeding ticket ($2,489 per year). While State Farm is affordable, it’s only available to current policyholders. Its average quotes are $881 per year after an at-fault accident, $1,048 per year after a DUI and $665 per year after a speeding ticket.

Sometimes car insurance rates increase relative to the violation’s severity. Our research shows that quotes for a driver with a clean record average roughly $1,175 per year but can increase by $999 after a DUI or by $316 following a speeding ticket. However, drivers can still get cheap car insurance rates with a bad record.

The most affordable auto insurance rates for adding a 16-year-old to a family policy in Lowell are:

• Progressive: $1,366 per year
• GEICO: $3,056 per year

Costing $1,807 per year for both male and female teens, State Farm is another cheap option. We excluded it from our rankings since it’s only available to current policyholders. Travelers charge the most expensive rates at $3,192 per year.

Adding your teen to your family policy is a surefire way to save on premiums. The average cost to add a 16-year-old male to a family policy in Lowell is roughly $2,308 per year, 42% less than buying a separate policy. Weigh different insurance providers to find the cheapest car insurance for teens.

Active military members, veterans and their families can find the least expensive premiums with the following:

• Plymouth Rock Assurance: $796 per year
• USAA: $919 per year

State Farm has policies that cost roughly $583 per year but are solely available to existing customers. If you’re looking for cheap car insurance for military drivers, Plymouth Rock Assurance has minimum coverage policies that cost $277 per year. Hanover is also another option, charging approximately $311 per year.

It can be tedious to input your personal information on different insurance provider websites to get online quotes. We found it can take 15 minutes or more per company. MoneyGeek offers a car insurance calculator to help you quickly obtain auto insurance estimates. Simply input your car's make and model, your age, driving history and preferred coverage level.

The best insurer for you will depend on how you prioritize cost, coverage and service. MoneyGeek determined that Chubb is the top company in Lowell for these three categories.

• Best overall: Chubb (MoneyGeek score 77 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 79 out of 100)

Chubb offers the best car insurance in Massachusetts, as well as in Lowell. USAA is also a stellar option for those with a military background since it earned a MoneyGeek score of 79 out of 100. Note that a company’s scores can vary based on the weightings for each category.

The best car insurance providers blend affordability and customer satisfaction well. Our top two picks in Lowell are:

• Chubb: MoneyGeek score 77 out of 100 ($1,199 per year)
• Amica Mutual: MoneyGeek score 76 out of 100 ($1,059 per year)

Chubb ranked first in claims management and third in customer service compared to 13 companies. USAA received a MoneyGeek score of 79 out of 100 and is an excellent choice for military personnel.

To select the highest-rated provider for customer service, we excluded affordability. The top two carriers based on our scoring system are:

• Chubb: MoneyGeek score 76 out of 100 ($1,199 per year)
• Amica Mutual: MoneyGeek score 71 out of 100 ($1,059 per year)

Out of 13 providers, Chubb ranked high in customer satisfaction and earned first place in claims processing. However, its premiums are slightly pricier than those of other insurers, so you pay a little more for quality service.

We selected policies that follow Massachusetts requirements for minimum coverage. The top-performing companies with affordable rates are:

• Chubb: MoneyGeek score 79 out of 100 ($438 per year)
• Hanover: MoneyGeek score 76 out of 100 ($311 per year)

State Farm earns high scores but only allows existing customers to renew their policies. State Farm earned a MoneyGeek score of 78 out of 100 and offered policies at around $286 per year.

Selecting a minimum coverage policy might not offer enough protection. It only covers liability costs and doesn’t pay for damage to your vehicle in an accident.

In Lowell, auto insurance costs around $1,125 per year, which is $144 cheaper than the cost of auto insurance in Massachusetts at $1,269 per year as of October 2022. The national average rate of $1,265 per year is $140 higher than an average Lowell cost.

The above rates are for a full coverage policy with $100,000 in bodily injury liability for each person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability.