For a 40-year-old driver with a clean record, car insurance in Lynn, MA, averages about $265 a month ($3,185 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 46% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average of the five insurers we price, at about $185 a month.
Lynn has the second-highest full-coverage average of the 16 Massachusetts cities with an InsuranceQuotes guide, after Brockton, and it’s the most expensive of the 29 Essex County places we price: about $83 a month more than the Massachusetts average for our benchmark driver.
All three Lynn ZIP codes in our data (01902, 01904 and 01905) are priced the same for our benchmark driver, about $265 a month for full coverage, so there’s no ZIP code table on this page. If you’re looking for cheap car insurance in Lynn, the insurer matters most: Plymouth Rock averages about $185 a month, about 19% below Progressive, the next insurer we rank.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Lynn 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 Lynn averages $3,185 a year, or about $265 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,213 a year ($101 a month), and 50/100/50 liability with comprehensive and collision averages $3,114 ($260 a month).
Plymouth Rock has the lowest full-coverage average among the five insurers in our Lynn 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 $75 a month, followed by GEICO at $92.
Full-coverage averages by insurer in Lynn
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 | $899 | $75 | $2,222 | $185 |
| Progressive | $1,354 | $113 | $2,747 | $229 |
| GEICO | $1,108 | $92 | $3,169 | $264 |
| Safety Insurance | $1,271 | $106 | $3,636 | $303 |
| Arbella | $1,433 | $119 | $4,151 | $346 |
| USAA (military families)* | $965 | $80 | $2,239 | $187 |
| Norfolk & Dedham* | $1,527 | $127 | $3,663 | $305 |
| Amica* | $1,462 | $122 | $3,827 | $319 |
| Travelers* | $1,992 | $166 | $4,354 | $363 |
| Allstate* | $1,982 | $165 | $4,769 | $397 |
| Lynn average | $1,213 | $101 | $3,185 | $265 |
This table uses Lynn 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 $71 a year on average in our Lynn 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. Plymouth Rock and Progressive charge 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 Lynn ZIP codes, full coverage averaged $3,154 a year in rates as of Nov. 30, 2025, and $3,185 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 3.0% and Safety Insurance 2.5%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.0%, led by Plymouth Rock, which raised its liability-only average 6.9%.
Essex County averages about $183 a month for full coverage, the fourth-most expensive of the 14 Massachusetts counties we price, and Lynn costs about $82 a month more than that. Its neighbors cost less: Saugus averages $218, Peabody $195, Swampscott $194 and Lynnfield $180.
Prices rise again across the Suffolk County line, where Revere and Chelsea average about $283 a month each. Of the three Essex County cities with a guide, Lawrence ($235) is next after Lynn and Haverhill ($182) costs the least.
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.
Malden, about seven miles southwest, averages $253 a month, and Boston, about nine miles southwest, $252 across its 24 ZIP codes. Swampscott, about two miles east, averages $194, Saugus, about three miles west, $218, and Peabody, about four miles north, $195.
Drivers in Lynn 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 Lynn averages about $265 a month ($3,185 a year) and liability-only coverage at 20/40/5 limits about $101 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 46% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average in our Lynn rate data, at about $185 a month, followed by Progressive at $229 among insurers open to all drivers. USAA*, which sells only to military families, is priced at about $187 a month from published rate studies. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $75 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. Saugus averages about $218 a month for full coverage, Peabody $195, Swampscott $194 and Lynnfield $180, compared with $265 in Lynn. Revere, in Suffolk County, costs more, at $283.
Yes, in our data. All three Lynn ZIP codes we price (01902, 01904 and 01905) average about $265 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.
In our Lynn data, full coverage (100/300/100 with $500 deductibles) averages about $265 a month and liability-only coverage at 20/40/5 limits about $101, a difference of about $164 a month ($1,972 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, Lynn full coverage rose 1.0% between November 2025 and August 2026, from about $3,154 to $3,185 a year. Plymouth Rock raised its average 3.0% and Safety Insurance 2.5%. Liability-only coverage at 20/40/5 limits rose 1.0%.
