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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.

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2023

Cheapest and Best Car Insurance in Lowell, MA

Cheapest Minimum Liability Car Insurance in Lowell

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.

Company
Annual Premium
Monthly Premium

State Farm

$216

$18

Hanover

$238

$20

Plymouth Rock Assurance

$269

$22

Plymouth Rock Assurance

$277

$23

State Farm

$286

$24

State Farm

$286

$24

Hanover

$311

$26

Vermont Mutual

$338

$28

Plymouth Rock Assurance

$347

$29

GEICO

$403

$34

Hanover

$404

$34

Allstate

$434

$36

Chubb

$438

$37

State Farm

$444

$37

Chubb

$459

$38

Arbella

$478

$40

Vermont Mutual

$481

$40

Amica Mutual

$485

$40

American Family

$501

$42

American Family

$503

$42

Amica Mutual

$522

$44

Amica Mutual

$528

$44

Vermont Mutual

$551

$46

Safety Group

$573

$48

Allstate

$579

$48

GEICO

$580

$48

State Farm

$583

$49

State Farm

$583

$49

American Family

$586

$49

Chubb

$593

$49

Travelers

$608

$51

GEICO

$632

$53

Arbella

$634

$53

Allstate

$638

$53

Arbella

$649

$54

GEICO

$655

$55

Vermont Mutual

$673

$56

Progressive

$724

$60

Plymouth Rock Assurance

$735

$61

Hanover

$740

$62

Travelers

$778

$65

Plymouth Rock Assurance

$796

$66

Travelers

$819

$68

Progressive

$824

$69

Allstate

$880

$73

Progressive

$916

$76

Safety Group

$916

$76

GEICO

$951

$79

Vermont Mutual

$958

$80

Hanover

$976

$81

Safety Group

$985

$82

American Family

$987

$82

Plymouth Rock Assurance

$997

$83

American Family

$1,009

$84

Arbella

$1,033

$86

GEICO

$1,047

$87

Amica Mutual

$1,059

$88

Vermont Mutual

$1,095

$91

Amica Mutual

$1,106

$92

American Family

$1,151

$96

Allstate

$1,172

$98

Chubb

$1,199

$100

Amica Mutual

$1,215

$101

Hanover

$1,243

$104

Chubb

$1,248

$104

Allstate

$1,296

$108

Safety Group

$1,307

$109

Progressive

$1,322

$110

Arbella

$1,357

$113

Travelers

$1,375

$115

Arbella

$1,386

$116

Progressive

$1,429

$119

Chubb

$1,608

$134

Progressive

$1,716

$143

Travelers

$1,719

$143

Travelers

$1,882

$157

Safety Group

$2,091

$174

Safety Group

$2,249

$187

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.

Cheapest Full Coverage Car Insurance in Lowell

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.

Company
Annual Premium
Monthly Premium

State Farm

$216

$18

Hanover

$238

$20

Plymouth Rock Assurance

$269

$22

Plymouth Rock Assurance

$277

$23

State Farm

$286

$24

State Farm

$286

$24

Hanover

$311

$26

Vermont Mutual

$338

$28

Plymouth Rock Assurance

$347

$29

GEICO

$403

$34

Hanover

$404

$34

Allstate

$434

$36

Chubb

$438

$37

State Farm

$444

$37

Chubb

$459

$38

Arbella

$478

$40

Vermont Mutual

$481

$40

Amica Mutual

$485

$40

American Family

$501

$42

American Family

$503

$42

Amica Mutual

$522

$44

Amica Mutual

$528

$44

Vermont Mutual

$551

$46

Safety Group

$573

$48

Allstate

$579

$48

GEICO

$580

$48

State Farm

$583

$49

State Farm

$583

$49

American Family

$586

$49

Chubb

$593

$49

Travelers

$608

$51

GEICO

$632

$53

Arbella

$634

$53

Allstate

$638

$53

Arbella

$649

$54

GEICO

$655

$55

Vermont Mutual

$673

$56

Progressive

$724

$60

Plymouth Rock Assurance

$735

$61

Hanover

$740

$62

Travelers

$778

$65

Plymouth Rock Assurance

$796

$66

Travelers

$819

$68

Progressive

$824

$69

Allstate

$880

$73

Progressive

$916

$76

Safety Group

$916

$76

GEICO

$951

$79

Vermont Mutual

$958

$80

Hanover

$976

$81

Safety Group

$985

$82

American Family

$987

$82

Plymouth Rock Assurance

$997

$83

American Family

$1,009

$84

Arbella

$1,033

$86

GEICO

$1,047

$87

Amica Mutual

$1,059

$88

Vermont Mutual

$1,095

$91

Amica Mutual

$1,106

$92

American Family

$1,151

$96

Allstate

$1,172

$98

Chubb

$1,199

$100

Amica Mutual

$1,215

$101

Hanover

$1,243

$104

Chubb

$1,248

$104

Allstate

$1,296

$108

Safety Group

$1,307

$109

Progressive

$1,322

$110

Arbella

$1,357

$113

Travelers

$1,375

$115

Arbella

$1,386

$116

Progressive

$1,429

$119

Chubb

$1,608

$134

Progressive

$1,716

$143

Travelers

$1,719

$143

Travelers

$1,882

$157

Safety Group

$2,091

$174

Safety Group

$2,249

$187

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.

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Cheapest Car Insurance in Lowell After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

State Farm

$257

$21

Hanover

$328

$27

State Farm

$340

$28

State Farm

$340

$28

State Farm

$365

$30

Hanover

$408

$34

Plymouth Rock Assurance

$409

$34

Plymouth Rock Assurance

$423

$35

Hanover

$426

$36

Allstate

$434

$36

State Farm

$436

$36

Hanover

$442

$37

Plymouth Rock Assurance

$447

$37

Vermont Mutual

$450

$38

GEICO

$464

$39

Plymouth Rock Assurance

$465

$39

Plymouth Rock Assurance

$471

$39

Plymouth Rock Assurance

$479

$40

State Farm

$483

$40

State Farm

$483

$40

State Farm

$505

$42

Plymouth Rock Assurance

$508

$42

Plymouth Rock Assurance

$514

$43

Plymouth Rock Assurance

$514

$43

Arbella

$530

$44

Hanover

$532

$44

Hanover

$536

$45

State Farm

$578

$48

State Farm

$578

$48

Allstate

$579

$48

Hanover

$582

$49

Amica Mutual

$600

$50

Chubb

$625

$52

Allstate

$638

$53

Hanover

$640

$53

Vermont Mutual

$641

$53

Amica Mutual

$646

$54

GEICO

$647

$54

GEICO

$647

$54

Vermont Mutual

$652

$54

Amica Mutual

$653

$54

Arbella

$654

$55

Chubb

$656

$55

State Farm

$665

$55

State Farm

$665

$55

State Farm

$668

$56

GEICO

$682

$57

Hanover

$685

$57

Safety Group

$685

$57

American Family

$687

$57

American Family

$687

$57

American Family

$696

$58

American Family

$696

$58

Arbella

$703

$59

Arbella

$719

$60

Vermont Mutual

$733

$61

GEICO

$749

$62

Allstate

$749

$62

GEICO

$773

$64

Vermont Mutual

$785

$65

State Farm

$793

$66

American Family

$800

$67

American Family

$800

$67

Travelers

$802

$67

American Family

$832

$69

Progressive

$837

$70

American Family

$842

$70

Amica Mutual

$845

$70

Chubb

$850

$71

Arbella

$868

$72

GEICO

$875

$73

Allstate

$880

$73

State Farm

$881

$73

State Farm

$881

$73

Arbella

$889

$74

GEICO

$895

$75

Allstate

$902

$75

Chubb

$903

$75

Progressive

$904

$75

Amica Mutual

$910

$76

Progressive

$915

$76

Amica Mutual

$920

$77

Vermont Mutual

$927

$77

Travelers

$946

$79

Chubb

$948

$79

Arbella

$955

$80

American Family

$969

$81

Vermont Mutual

$969

$81

Travelers

$972

$81

Progressive

$992

$83

Allstate

$998

$83

GEICO

$1,001

$83

GEICO

$1,002

$84

Progressive

$1,012

$84

Travelers

$1,021

$85

GEICO

$1,033

$86

State Farm

$1,048

$87

State Farm

$1,048

$87

Vermont Mutual

$1,061

$88

GEICO

$1,061

$88

Hanover

$1,068

$89

Amica Mutual

$1,080

$90

Travelers

$1,085

$90

Progressive

$1,085

$90

Safety Group

$1,087

$91

Chubb

$1,088

$91

Progressive

$1,090

$91

Safety Group

$1,098

$92

Allstate

$1,103

$92

Vermont Mutual

$1,117

$93

Arbella

$1,120

$93

GEICO

$1,133

$94

Chubb

$1,142

$95

Amica Mutual

$1,162

$97

Plymouth Rock Assurance

$1,164

$97

Allstate

$1,172

$98

Amica Mutual

$1,175

$98

Safety Group

$1,182

$99

Plymouth Rock Assurance

$1,189

$99

Progressive

$1,193

$99

Plymouth Rock Assurance

$1,199

$100

Travelers

$1,202

$100

Allstate

$1,202

$100

Chubb

$1,229

$102

GEICO

$1,229

$102

Hanover

$1,230

$103

Travelers

$1,240

$103

Amica Mutual

$1,250

$104

Plymouth Rock Assurance

$1,252

$104

Plymouth Rock Assurance

$1,259

$105

Arbella

$1,269

$106

Vermont Mutual

$1,279

$107

Travelers

$1,282

$107

Allstate

$1,296

$108

Progressive

$1,297

$108

Arbella

$1,301

$108

Safety Group

$1,308

$109

Amica Mutual

$1,309

$109

Plymouth Rock Assurance

$1,319

$110

Travelers

$1,320

$110

Allstate

$1,329

$111

Arbella

$1,329

$111

Hanover

$1,336

$111

Vermont Mutual

$1,369

$114

Plymouth Rock Assurance

$1,378

$115

American Family

$1,378

$115

American Family

$1,378

$115

Vermont Mutual

$1,380

$115

American Family

$1,405

$117

American Family

$1,405

$117

Hanover

$1,407

$117

GEICO

$1,418

$118

Plymouth Rock Assurance

$1,423

$119

Amica Mutual

$1,438

$120

Plymouth Rock Assurance

$1,449

$121

Allstate

$1,457

$121

GEICO

$1,471

$123

Arbella

$1,474

$123

Chubb

$1,481

$123

Arbella

$1,505

$125

Safety Group

$1,553

$129

Vermont Mutual

$1,576

$131

American Family

$1,603

$134

American Family

$1,603

$134

Progressive

$1,621

$135

GEICO

$1,623

$135

Hanover

$1,625

$135

GEICO

$1,650

$138

Amica Mutual

$1,656

$138

Chubb

$1,662

$139

Progressive

$1,677

$140

American Family

$1,687

$141

Hanover

$1,716

$143

American Family

$1,720

$143

Chubb

$1,732

$144

Amica Mutual

$1,738

$145

Progressive

$1,738

$145

Arbella

$1,753

$146

Safety Group

$1,754

$146

Vermont Mutual

$1,766

$147

Hanover

$1,767

$147

Allstate

$1,781

$148

Arbella

$1,792

$149

Travelers

$1,795

$150

Progressive

$1,821

$152

Safety Group

$1,886

$157

Arbella

$1,887

$157

Amica Mutual

$1,911

$159

Hanover

$1,921

$160

Allstate

$1,938

$162

Vermont Mutual

$1,949

$162

American Family

$1,962

$164

Progressive

$1,974

$165

Progressive

$2,059

$172

Hanover

$2,064

$172

Amica Mutual

$2,101

$175

Travelers

$2,107

$176

Travelers

$2,109

$176

Safety Group

$2,111

$176

Progressive

$2,119

$177

Allstate

$2,157

$180

Progressive

$2,174

$181

Amica Mutual

$2,208

$184

Vermont Mutual

$2,226

$186

Chubb

$2,234

$186

Travelers

$2,250

$188

Safety Group

$2,271

$189

Chubb

$2,305

$192

Safety Group

$2,358

$197

Allstate

$2,371

$198

Chubb

$2,407

$201

Amica Mutual

$2,430

$203

Travelers

$2,485

$207

Safety Group

$2,489

$207

Arbella

$2,496

$208

Progressive

$2,513

$209

Vermont Mutual

$2,517

$210

Arbella

$2,554

$213

Allstate

$2,640

$220

Travelers

$2,648

$221

Travelers

$2,649

$221

Safety Group

$2,678

$223

Chubb

$2,734

$228

Chubb

$2,858

$238

Vermont Mutual

$2,876

$240

Safety Group

$2,910

$243

Travelers

$2,927

$244

Travelers

$2,938

$245

Chubb

$3,110

$259

Chubb

$3,696

$308

Safety Group

$3,797

$316

Safety Group

$4,085

$340

Safety Group

$4,690

$391

Safety Group

$5,044

$420

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.

Cheapest Car Insurance in Lowell for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$530

$794

State Farm

$741

$1,522

State Farm

$741

$1,522

State Farm

$769

$1,608

State Farm

$769

$1,608

State Farm

$782

$1,608

State Farm

$782

$1,608

GEICO

$1,024

$1,325

GEICO

$1,024

$1,325

GEICO

$1,044

$1,351

GEICO

$1,044

$1,351

GEICO

$1,057

$1,418

GEICO

$1,057

$1,418

Progressive

$1,063

$2,081

Progressive

$1,063

$2,081

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

Allstate

$1,065

$1,847

GEICO

$1,067

$1,381

GEICO

$1,067

$1,381

Progressive

$1,116

$3,653

Progressive

$1,116

$3,653

Progressive

$1,118

$5,742

Progressive

$1,118

$5,742

State Farm

$1,198

$2,462

State Farm

$1,198

$2,462

State Farm

$1,198

$2,462

State Farm

$1,198

$2,462

State Farm

$1,198

$2,462

State Farm

$1,198

$2,462

Progressive

$1,231

$6,318

Progressive

$1,231

$6,318

Progressive

$1,305

$2,553

Progressive

$1,305

$2,553

Progressive

$1,338

$4,378

Progressive

$1,338

$4,378

Progressive

$1,343

$8,628

Progressive

$1,343

$5,159

Progressive

$1,343

$8,628

Progressive

$1,343

$5,159

Progressive

$1,367

$3,358

Progressive

$1,367

$3,358

Progressive

$1,384

$2,707

Progressive

$1,384

$2,707

Travelers

$1,527

$2,217

Travelers

$1,527

$2,217

GEICO

$1,558

$1,953

GEICO

$1,558

$1,953

GEICO

$1,668

$2,209

GEICO

$1,668

$2,209

GEICO

$1,683

$2,110

GEICO

$1,683

$2,110

Allstate

$1,747

$3,495

Allstate

$1,747

$3,495

Travelers

$1,762

$2,558

Travelers

$1,762

$2,558

Allstate

$1,941

$4,075

Allstate

$1,941

$4,075

Travelers

$2,023

$3,533

Travelers

$2,023

$3,533

Allstate

$2,037

$4,075

Allstate

$2,037

$4,075

Travelers

$2,242

$3,637

Travelers

$2,242

$3,637

Travelers

$2,260

$3,667

Travelers

$2,260

$3,667

Travelers

$2,310

$3,940

Travelers

$2,310

$3,940

Travelers

$2,369

$3,439

Travelers

$2,369

$3,439

GEICO

$2,683

$3,076

GEICO

$2,683

$3,076

Travelers

$2,747

$4,566

Travelers

$2,747

$4,566

GEICO

$2,883

$3,305

GEICO

$2,883

$3,305

GEICO

$2,921

$3,663

GEICO

$2,921

$3,663

Allstate

$2,924

$5,842

Allstate

$2,924

$5,842

Travelers

$2,960

$4,919

Travelers

$2,960

$4,919

Allstate

$3,080

$6,451

Allstate

$3,080

$6,451

Allstate

$3,085

$6,165

Allstate

$3,085

$6,165

Travelers

$3,163

$6,282

Travelers

$3,163

$6,282

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.

Cheapest Car Insurance in Lowell for Military Drivers

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.

Company
Annual Premium
Monthly Premium

State Farm

$216

$18

Hanover

$238

$20

Plymouth Rock Assurance

$269

$22

Plymouth Rock Assurance

$277

$23

State Farm

$286

$24

State Farm

$286

$24

Hanover

$311

$26

USAA

$315

$26

Vermont Mutual

$338

$28

Plymouth Rock Assurance

$347

$29

USAA

$398

$33

GEICO

$403

$34

Hanover

$404

$34

USAA

$413

$34

Allstate

$434

$36

Chubb

$438

$37

State Farm

$444

$37

Chubb

$459

$38

Arbella

$478

$40

Vermont Mutual

$481

$40

Amica Mutual

$485

$40

American Family

$501

$42

American Family

$503

$42

Amica Mutual

$522

$44

Amica Mutual

$528

$44

Vermont Mutual

$551

$46

Safety Group

$573

$48

Allstate

$579

$48

GEICO

$580

$48

State Farm

$583

$49

State Farm

$583

$49

American Family

$586

$49

Chubb

$593

$49

Travelers

$608

$51

GEICO

$632

$53

Arbella

$634

$53

Allstate

$638

$53

Arbella

$649

$54

GEICO

$655

$55

Vermont Mutual

$673

$56

USAA

$720

$60

Progressive

$724

$60

Plymouth Rock Assurance

$735

$61

Hanover

$740

$62

Travelers

$778

$65

Plymouth Rock Assurance

$796

$66

Travelers

$819

$68

Progressive

$824

$69

Allstate

$880

$73

Progressive

$916

$76

Safety Group

$916

$76

USAA

$919

$77

GEICO

$951

$79

Vermont Mutual

$958

$80

Hanover

$976

$81

Safety Group

$985

$82

American Family

$987

$82

Plymouth Rock Assurance

$997

$83

USAA

$998

$83

American Family

$1,009

$84

Arbella

$1,033

$86

GEICO

$1,047

$87

Amica Mutual

$1,059

$88

Vermont Mutual

$1,095

$91

Amica Mutual

$1,106

$92

American Family

$1,151

$96

Allstate

$1,172

$98

Chubb

$1,199

$100

Amica Mutual

$1,215

$101

Hanover

$1,243

$104

Chubb

$1,248

$104

Allstate

$1,296

$108

Safety Group

$1,307

$109

Progressive

$1,322

$110

Arbella

$1,357

$113

Travelers

$1,375

$115

Arbella

$1,386

$116

Progressive

$1,429

$119

Chubb

$1,608

$134

Progressive

$1,716

$143

Travelers

$1,719

$143

Travelers

$1,882

$157

Safety Group

$2,091

$174

Safety Group

$2,249

$187

How to Compare Cheap Lowell Car Insurance Quotes Online

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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State Farm

Best Car Insurance in Lowell: Summary

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.

Best Overall Car Insurance in Lowell

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.

How was this MoneyGeek score calculated?

Chubb

pros

Best claims management score

Ranked third in customer service

Offers Original Equipment Manufacturer coverage, a rare add-on

cons

Charges the fifth most expensive premiums

Available coverages are limited

No roadside assistance coverage

COMPANY HIGHLIGHTS

Chubb is an excellent option for drivers who prefer efficient claims management paired with solid customer satisfaction. The provider also offers Original Equipment Manufacturer coverage, an extra perk many competitors don't provide.

Opting for Original Equipment Manufacturer (OEM) coverage pays for original parts if your car needs repairs after a covered incident. This coverage helps ensure our car’s safety systems function properly in case of another accident.

Chubb also offers diminished value coverage, known as its Agreed Value add-on. It allows the policyholder and insurer to agree on the car’s value when the policy is written. If the car is totaled or stolen, you get a check for that value, potentially saving you thousands as your car depreciates.

Best Car Insurance in Lowell for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Out of 13 competitors, Chubb ranked third in customer service

Ranked first in claims processing

Rental car and travel reimbursement coverage are available

cons

Offers few add-on coverages

Doesn’t provide new car replacement or deductible modification

COMPANY HIGHLIGHTS

You can expect stellar service with Chubb. It manages the claims process efficiently, granting policyholders peace of mind during stressful situations. While policyholders can get handy coverages like rental car reimbursement, Chubb doesn’t offer roadside assistance.

Rental car reimbursement allows policyholders to rent a car similar to theirs, up to $5,000 without a daily limit, while their car is in the shop for covered repairs. This is an ideal add-on for drivers who want to avoid interrupting their everyday routine.

Chubb also offers Original Equipment Manufacturer (OEM) coverage, a rare add-on. Opting for this ensures that none of your vehicle's systems or parts are replaced with aftermarket pieces after a covered accident. Drivers can rest assured that their car's safety systems will continue to perform as intended.

Best Cheap Car Insurance in Lowell

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.

How was this MoneyGeek score calculated?

Chubb

pros

Has the fourth most affordable rates at roughly $438 per year

Earned an outstanding reputation for claims management

Offers a discount when drivers install anti-lock brakes

cons

No discount when you insure more than one car with Chubb

COMPANY HIGHLIGHTS

Chubb offers great claims processing and customer satisfaction. Its policies can cost roughly $37 per month, excluding possible discounts. Chubb offers a bundling discount when policyholders combine their home and auto insurance. However, discounts for safe driving or insuring multiple vehicles aren’t available.

With Chubb, policyholders can get rare discounts when they have their VIN etched on a window or install an electronic tracking device. Another way drivers can cut costs and receive a discount is to have factory-installed daytime running lights. Drivers can also secure a lower rate if they complete a defensive driving course, install anti-lock brakes or an anti-theft system.

Average Cost of Car Insurance in Lowell

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.