Cheapest and Best Car Insurance Companies in Lowell, MA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Lowell, MA

Why Trust MoneyGeek? We assessed Lowell auto insurance quotes based on our analysis of data from the Massachusetts Division of Insurance and Quadrant Information Services.

22,050Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Plymouth Rock AssuranceAnnual Premium$277Monthly Premium$23
State FarmAnnual Premium$286Monthly Premium$24
HanoverAnnual Premium$311Monthly Premium$26
ChubbAnnual Premium$438Monthly Premium$37
Vermont MutualAnnual Premium$481Monthly Premium$40
Amica MutualAnnual Premium$485Monthly Premium$40
American FamilyAnnual Premium$501Monthly Premium$42
AllstateAnnual Premium$579Monthly Premium$48

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$583Monthly Premium$49
Plymouth Rock AssuranceAnnual Premium$796Monthly Premium$66
GEICOAnnual Premium$951Monthly Premium$79
Vermont MutualAnnual Premium$958Monthly Premium$80
HanoverAnnual Premium$976Monthly Premium$81
American FamilyAnnual Premium$987Monthly Premium$82
Amica MutualAnnual Premium$1,059Monthly Premium$88
AllstateAnnual Premium$1,172Monthly Premium$98

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$665Monthly Premium$55
GEICOAnnual Premium$1,061Monthly Premium$88
Plymouth Rock AssuranceAnnual Premium$1,164Monthly Premium$97
AllstateAnnual Premium$1,172Monthly Premium$98
Amica MutualAnnual Premium$1,250Monthly Premium$104
American FamilyAnnual Premium$1,378Monthly Premium$115
Vermont MutualAnnual Premium$1,380Monthly Premium$115
ArbellaAnnual Premium$1,474Monthly Premium$123

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$1,198Individual Plan Monthly Premium$2,462
ProgressiveFamily Plan Annual Premium$1,343Individual Plan Monthly Premium$8,628
GEICOFamily Plan Annual Premium$2,921Individual Plan Monthly Premium$3,663
AllstateFamily Plan Annual Premium$3,080Individual Plan Monthly Premium$6,451
TravelersFamily Plan Annual Premium$3,163Individual Plan Monthly Premium$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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$583Monthly Premium$49
Plymouth Rock AssuranceAnnual Premium$796Monthly Premium$66
USAAAnnual Premium$919Monthly Premium$77
GEICOAnnual Premium$951Monthly Premium$79
Vermont MutualAnnual Premium$958Monthly Premium$80
HanoverAnnual Premium$976Monthly Premium$81
American FamilyAnnual Premium$987Monthly Premium$82
Amica MutualAnnual Premium$1,059Monthly Premium$88

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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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

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Best claims management score

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Ranked third in customer service

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Offers Original Equipment Manufacturer coverage, a rare add-on

cons

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Charges the fifth most expensive premiums

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Available coverages are limited

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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

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Out of 13 competitors, Chubb ranked third in customer service

checkmark

Ranked first in claims processing

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Rental car and travel reimbursement coverage are available

cons

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Offers few add-on coverages

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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

checkmark

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

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Earned an outstanding reputation for claims management

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Offers a discount when drivers install anti-lock brakes

cons

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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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.