For a 40-year-old driver with a clean record, car insurance in Lowell, MA, averages about $203 a month ($2,437 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 12% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average of the five insurers we price, at about $135 a month. For the statewide ranking, see our guide to cheap auto insurance in Massachusetts.
Lowell averages about $203 a month for full coverage for our benchmark driver, about $21 a month more than the Massachusetts average, and more than each of its suburbs we price: Chelmsford averages $150, Tyngsboro $164, Billerica $166, Tewksbury $168 and Dracut $171.
All four Lowell ZIP codes in our data (01850, 01851, 01852 and 01854) are priced the same for our benchmark driver, about $203 a month for full coverage, so there’s no ZIP code table on this page. The bigger difference is the insurer: the lowest and highest of the five insurers we price are $1,776 a year apart for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Lowell 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 Lowell averages $2,437 a year, or about $203 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $983 a year ($82 a month), and 50/100/50 liability with comprehensive and collision averages $2,375 ($198 a month).
For cheap car insurance in Lowell, MA, the insurer matters most: Plymouth Rock’s full-coverage average, about $135 a month, is about 24% below Progressive’s ($177), and it’s Plymouth Rock’s lowest average in any of the 16 Massachusetts cities with a guide.
Plymouth Rock has the lowest full-coverage average among the five insurers in our Lowell rate data. 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 $72.
Full-coverage averages by insurer in Lowell
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 | $645 | $54 | $1,622 | $135 |
| Progressive | $1,182 | $99 | $2,119 | $177 |
| GEICO | $864 | $72 | $2,160 | $180 |
| Safety Insurance | $1,029 | $86 | $2,887 | $241 |
| Arbella | $1,196 | $100 | $3,398 | $283 |
| USAA (military families)* | $773 | $64 | $1,624 | $135 |
| Norfolk & Dedham* | $1,222 | $102 | $2,656 | $221 |
| Amica* | $1,171 | $98 | $2,775 | $231 |
| Travelers* | $1,595 | $133 | $3,157 | $263 |
| Allstate* | $1,587 | $132 | $3,458 | $288 |
| Lowell average | $983 | $82 | $2,437 | $203 |
This table uses Lowell 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 $62 a year on average in our Lowell data, with the same $500 deductibles. That’s about $5 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 Lowell ZIP codes, full coverage averaged $2,414 a year in rates as of Nov. 30, 2025, and $2,437 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.9% 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 0.8%, led by Plymouth Rock, which raised its liability-only average 6.8%.
Middlesex County averages about $171 a month for full coverage, the seventh-most expensive of the 14 Massachusetts counties we price. Lowell is the fifth-most expensive of the 59 Middlesex County places we price, after Everett, Malden, Chestnut Hill and Medford.
Lowell costs about $32 a month less than Lawrence, its neighbor down the Merrimack River, where full coverage averages $235. Massachusetts insurers price by location as well as by driver and car, so your ZIP code can move your price.
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.
Lawrence, about nine miles northeast, averages $235 a month, and Haverhill, about 16 miles northeast, $182. Malden, about 19 miles southeast, averages $253, and Chelmsford, about three miles southwest, $150.
Drivers in Lowell 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.
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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 Lowell averages about $203 a month ($2,437 a year) and liability-only coverage at 20/40/5 limits about $82 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 12% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average in our Lowell rate data, at about $135 a month, followed by Progressive and GEICO, effectively tied at $177 and $180 among insurers open to all drivers. USAA*, which sells only to military families, is priced at about $135 a month from published rate studies. 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. Full coverage in Chelmsford averages about $150 a month ($1,805 a year), compared with $203 ($2,437) in Lowell, a difference of about $53 a month for the same driver and car.
Yes, in our data. All four Lowell ZIP codes we price (01850, 01851, 01852 and 01854) average about $203 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
About $1,776 a year among the five insurers we price. Full-coverage averages in Lowell run from about $135 a month ($1,622 a year) with Plymouth Rock to $283 ($3,398) with Arbella for the same driver and car, and Progressive, GEICO and Safety Insurance fall in between.
Lowell drivers follow Massachusetts law: every policy issued or renewed since July 1, 2025, must include at least $25,000 per person and $50,000 per accident in bodily injury liability, $30,000 in property damage liability, uninsured motorist coverage of $25,000 per person and $50,000 per accident, and personal injury protection of up to $8,000 per person. Our liability-only prices use the older 20/40/5 limits, which are below the current minimum.
