For a 40-year-old driver with a clean record, car insurance in Lawrence, MA, averages about $235 a month ($2,824 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 29% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Lawrence table, at about $153 a month.
Lawrence is the second-most expensive of the 29 Essex County places we price, after Lynn, at about $53 a month more than the Massachusetts average for our benchmark driver. Its neighbors cost less: Methuen averages $212 a month, North Andover $166 and Andover $154.
All three Lawrence ZIP codes in our data (01840, 01841 and 01843) are priced the same for our benchmark driver, about $235 a month for full coverage, so there’s no ZIP code table on this page. Lawrence also has the widest spread between insurers of the 16 Massachusetts cities with an InsuranceQuotes guide: Plymouth Rock averages about $153 a month and Arbella $331, a gap of $2,132 a year for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Lawrence ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Lawrence averages $2,824 a year, or about $235 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,016 a year ($85 a month), and 50/100/50 liability with comprehensive and collision averages $2,758 ($230 a month).
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Lawrence table. USAA*, which sells only to military families, is priced from published rate studies at about $153 a month, about the same as Plymouth Rock; we don’t rank it. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $54 a month, followed by GEICO at $73.
Full-coverage averages by insurer in Lawrence
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $651 | $54 | $1,835 | $153 |
| GEICO | $880 | $73 | $2,381 | $198 |
| Progressive | $1,218 | $102 | $2,445 | $204 |
| Safety Insurance | $1,107 | $92 | $3,490 | $291 |
| Arbella | $1,226 | $102 | $3,967 | $331 |
| USAA (military families)* | $789 | $66 | $1,833 | $153 |
| Norfolk & Dedham* | $1,249 | $104 | $2,998 | $250 |
| Amica* | $1,196 | $100 | $3,133 | $261 |
| Travelers* | $1,629 | $136 | $3,563 | $297 |
| Allstate* | $1,621 | $135 | $3,904 | $325 |
| Lawrence average | $1,016 | $85 | $2,824 | $235 |
This table uses Lawrence ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $66 a year on average in our Lawrence data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Lawrence ZIP codes, full coverage averaged $2,794 a year in rates as of Nov. 30, 2025, and $2,824 as of Aug. 31, 2026, a 1.1% increase. Plymouth Rock raised its average 3.7% and Safety Insurance 2.4%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 0.7%, led by Plymouth Rock, which raised its liability-only average 5.9%.
Essex County averages about $183 a month for full coverage, the fourth-most expensive of the 14 Massachusetts counties we price, and Lawrence costs about $52 a month more than that. Of the three cities on the Merrimack River with a guide, Lawrence costs the most; Lowell averages $203 and Haverhill $182.
Plymouth Rock’s Lawrence average is about 23% below GEICO’s, and GEICO and Progressive are effectively tied for next, at $198 and $204 a month. Prices depend on where in Massachusetts you live, not just on your car and driving record.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Haverhill, about six miles northeast, averages $182 a month, and Lowell, about nine miles southwest, $203. Lynn, about 20 miles southeast, averages $265. Methuen, about two miles northwest, averages $212, and Andover, about four miles south, $154.
Drivers in Lawrence follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Lawrence averages about $235 a month ($2,824 a year) and liability-only coverage at 20/40/5 limits about $85 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 29% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Lawrence table, at about $153 a month, followed by GEICO and Progressive, effectively tied at $198 and $204. USAA*, which sells only to military families, is priced from published rate studies at about $153 a month, about the same as Plymouth Rock; we don’t rank it. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $54 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Andover averages about $154 a month for full coverage, North Andover $166 and Methuen $212, compared with $235 in Lawrence.
Up to about $2,132 a year among the five insurers we price. Full-coverage averages in Lawrence run from about $153 a month ($1,835 a year) with Plymouth Rock to $331 ($3,967) with Arbella for the same driver and car, and GEICO, Progressive and Safety Insurance fall in between.
In our Lawrence data, full coverage (100/300/100 with $500 deductibles) averages about $235 a month and liability-only coverage at 20/40/5 limits about $85, a difference of about $150 a month ($1,808 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Lawrence full coverage rose 1.1% between November 2025 and August 2026, from about $2,794 to $2,824 a year. Plymouth Rock raised its average 3.7% and Safety Insurance 2.4%. Liability-only coverage at 20/40/5 limits rose 0.7%.
