Average car insurance cost in Lowell, Massachusetts

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Our analysis shows that drivers in Lowell pay about $2,714 per year for car insurance. It is $284 more than the Massachusetts average and $201 more than the nationwide average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in Lowell to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in Lowell

Plymouth Rock Assurance offers the most affordable full coverage car insurance in Lowell, at $1,598 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

GEICO offers the second-lowest rate in Lowell, with an average yearly premium of $2,116.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Lowell.

Read about the best car insurance companies.

Average car insurance cost in Lowell by coverage limits

Here’s a breakdown of average car insurance rates in Lowell by coverage type.

• State minimum coverage: $743 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $912 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,714 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $619 per year

Most states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Lowell

In Lowell, female drivers pay an average of $2,714 per year for car insurance. In comparison, male drivers pay $2,714 annually, which is equals to what female drivers pay. Most states consider gender when calculating premiums. However, states such as California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania don’t allow insurers to use gender as a rating factor to determine insurance rates.

According to the Insurance Information Institute, or Triple-I, women tend to be safer drivers than men and are less likely to be involved in severe accidents. Insurers account for this risk by charging male drivers higher premiums.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Lowell

Teen drivers in Lowell experience the highest insurance rates, paying an average of $9,011 per year or $751 per month.

According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $4,715 more than young adults for insurance.

With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $4,296 per year – a difference of $4,715 less than compared to teen drivers.

Drivers in Lowell aged 25 to 55 typically pay $2,752 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $2,333.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Lowell

Car insurance rates in Lowell saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 38% – a change of about $743.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Lowell are higher than the Massachusetts state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.