Car Insurance Cost in Lowell, MA – Cheapest Rates + Rankings (2025)

We compare the cost to insure over 150 popular cars, trucks, and SUVs to find the vehicles with cheapest car insurance quotes in Lowell, Massachusetts.

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  • Lowell car insurance cost averages $2,496 per year, or about $208 per month for a full coverage policy.
  • Lowell auto insurance costs an average of $138 per year less than the Massachusetts state average cost and $275 per year more than the average for all 50 states.
  • Monthly car insurance rates for a few popular vehicles in Lowell include the Jeep Cherokee at $224, Mazda CX-5 at $170, and Tesla Model 3 at $244.
  • For cheap car insurance in Lowell, SUV models like the Ford Bronco Sport, Volkswagen Tiguan, Hyundai Venue, and Nissan Kicks rank very well for overall cost.
  • Models with the cheapest auto insurance in Lowell for their respective segments include the Jaguar E-Pace, Kia K5, Acura RDX, Nissan Titan, and Honda Passport.

How much is car insurance in Lowell, Massachusetts?

The average car insurance expense in Lowell is $2,496 per year, which is 11.7% more than the U.S. average rate of $2,221 per year. Average car insurance cost per month in Lowell is $208 for full coverage.

In the state of Massachusetts, the average price for car insurance is $2,634 per year, so the cost in Lowell averages $138 less per year. When rates are compared to other larger cities in Massachusetts, the average cost of car insurance in Lowell is about $108 per year cheaper than in Boston, $354 per year cheaper than in Springfield, and $202 per year less than in Worcester.

The next chart shows average Lowell auto insurance rates for 2024 model year vehicles for both different driver ages and policy deductible amounts.

Average full-coverage car insurance premium in Lowell, MA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Lowell, MA for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Lowell, MA Zip Codes.

Average Car Insurance Cost in Lowell, MA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,246$354
$500$5,018$418
$250$5,836$486
30$1,000$2,230$186
$500$2,662$222
$250$3,110$259
40$1,000$2,100$175
$500$2,496$208
$250$2,908$242
50$1,000$1,868$156
$500$2,210$184
$250$2,566$214
60$1,000$1,750$146
$500$2,070$173
$250$2,402$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Lowell, MA Zip Codes. Updated June 27, 2025

Average car insurance rates in the previous chart range from $1,750 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,836 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Lowell ranges from $146 to $486.

Car insurance rates can have significant differences in cost and can also be very different depending on the company. Due to the high likelihood of rate variability, this increases the need for accurate free auto insurance quotes when trying to find cheaper auto insurance.

The age of the rated driver has the single biggest impact on the cost of auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates in Lowell depending on driver age.

Average cost of car insurance in Lowell for drivers age 16 to 60

  • 16-year-old driver – $8,882 per year or $740 per month
  • 17-year-old driver – $8,605 per year or $717 per month
  • 18-year-old driver – $7,712 per year or $643 per month
  • 19-year-old driver – $7,022 per year or $585 per month
  • 20-year-old driver – $5,018 per year or $418 per month
  • 30-year-old driver – $2,662 per year or $222 per month
  • 40-year-old driver – $2,496 per year or $208 per month
  • 50-year-old driver – $2,210 per year or $184 per month
  • 60-year-old driver – $2,070 per year or $173 per month

The rates listed above for teenage drivers assumed the driver was male. The next chart goes into more detail for teenage car insurance rates and separates average car insurance cost for teenagers in Lowell, Massachusetts, by gender. Female drivers tend to have slightly cheaper auto insurance rates, especially at younger ages.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Lowell includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Lowell, MA for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,882$8,299
17-Year-Old$8,605$8,246
18-Year-Old$7,712$7,120
19-Year-Old$7,022$5,940

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Car insurance for a 16-year-old female driver in Lowell costs an average of $583 less per year than the cost for a male driver, while at age 19, it’s still $1,082 cheaper per year for females than males.

The rates referenced above take the cost to insure each 2024 vehicle model and average them, which is useful for making overall comparisons such as the average cost difference between two Massachusetts cities.

But for more comprehensive price comparisons, it makes more sense to instead look at the exact make and model of vehicle being insured. Later on in this article, we explore both segment rates and rates for specific vehicles, but for now, we will just use the more popular vehicles to discover how car insurance rates compare in Lowell.

The list below shows average insurance cost by year and month in Lowell for some of the most popular cars, trucks, and SUVs.

Auto insurance rates for popular vehicles in Lowell

The vehicles that sell well in Lowell tend to be compact and midsize cars like the Nissan Sentra, Volkswagen Jetta, and Nissan Altima and small or midsize SUVs like the Toyota RAV4 and Chevy Traverse.

Other popular models from different automotive segments include luxury models like the Lexus ES 350 and Acura MDX, pickup trucks like the Toyota Tacoma and Chevy Silverado, and sports cars like the Nissan GT-R and Ford Mustang.

We will get into rates for many more vehicles in the upcoming sections, but before we do that, let’s take a look at some of the general concepts covered up to this point.

  • Low deductible car insurance costs more – A 20-year-old driver pays an average of $1,338 more per year for $250 deductibles compared to $1,000 deductibles.
  • Lowell car insurance costs more than the U.S. average – $2,496 (Lowell average) versus $2,221 (U.S. average)
  • Car insurance cost decreases as you age – Car insurance rates for a 60-year-old driver in Lowell are $2,948 per year cheaper than for a 20-year-old driver.
  • Teen female drivers pay cheaper rates than teen males – Female drivers age 16 to 19 pay $1,082 to $583 less each year than males of the same age.
  • Auto insurance rates decrease significantly between ages 20 and 30 – The average 30-year-old Lowell driver will pay $2,356 less each year than a 20-year-old driver, $2,662 versus $5,018.
  • Lowell auto insurance prices are cheaper than the Massachusetts state average – $2,496 (Lowell average) versus $2,634 (Massachusetts average)

Which vehicles have cheap insurance in Lowell?

The models with the lowest cost average car insurance quotes in Lowell tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, and Hyundai Venue.

Average insurance rates for those vehicles cost $2,167 or less per year, or $181 per month, to have full coverage.

Some additional vehicles that are highly ranked in the comparison table below are the Buick Envista, Volkswagen Tiguan, Ford Bronco Sport, and Buick Encore. Insurance is somewhat higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have average rates of $2,325 or less per year, or about $194 per month in Lowell.

The following table details the top 30 cheapest vehicles to insure in Lowell, ordered by annual cost.

Top 30 Cheapest Cars, Trucks, and SUVs to Insure in Lowell, Massachusetts
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,788$149
2Chevrolet Trailblazer$1,826$152
3Kia Soul$1,894$158
4Nissan Kicks$1,910$159
5Honda Passport$1,928$161
6Buick Envision$1,938$162
7Toyota Corolla Cross$1,956$163
8Hyundai Venue$1,970$164
9Mazda CX-5$1,976$165
10Ford Bronco Sport$1,988$166
11Volkswagen Tiguan$2,004$167
12Acura RDX$2,024$169
13Nissan Murano$2,038$170
14Buick Encore$2,060$172
15Subaru Outback$2,062$172
16Honda CR-V$2,068$172
17Buick Envista$2,076$173
18Volkswagen Taos$2,082$174
19Kia Niro$2,086$174
20Toyota GR Corolla$2,102$175
21Subaru Ascent$2,106$176
22Honda HR-V$2,112$176
23Nissan Leaf$2,124$177
24Chevrolet Colorado$2,136$178
25Lexus NX 250$2,140$178
26Honda Civic$2,146$179
27Volkswagen Atlas$2,146$179
28Acura Integra$2,154$180
29Subaru Forester$2,154$180
30Volkswagen Atlas Cross Sport$2,156$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Lowell, MA with the Subaru Crosstrek ranking first at $1,788 per year
Top 30 cheapest vehicles to insure in Lowell, MA with the Subaru Crosstrek ranking first at $1,788 per year

A table of 30 vehicle rankings is not the best way to show a complete view of Lowell car insurance cost. Considering the fact that we have over 700 models in our database, there are a lot of rates not being shown. So let’s dig deeper and display the models with the lowest rates in a format that makes more sense, by automotive segment.

The next section further discusses the average price of car insurance in Lowell for each vehicle segment. These rates should give you a better idea of which vehicles have the least expensive auto insurance rates in Lowell. The subsequent sections will break out the 20 models with the most affordable insurance in each segment.

Lowell auto insurance rates by automotive segment

If you’re shopping around for a different vehicle, it’s useful to have an idea of which kinds of vehicles are more affordable to insure. For instance, you may be wondering if midsize SUVs are cheaper to insure than small SUVs or if regular SUVs have more affordable insurance than luxury SUVs.

The next chart displays the average cost of car insurance rates in Lowell for different vehicle segments. When looking at rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the least expensive average rates, while exotic performance cars have the most expensive average cost to insure.

Car insurance average cost by automotive segment in Lowell, MA.
Figure 3: Car insurance average cost by automotive segment in Lowell, MA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Lowell Zip Codes.

Car Insurance Rates by Automotive Segment in Lowell, MA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,292$191
Midsize SUV$2,464$205
Compact Car$2,464$205
Minivan$2,466$206
Midsize Pickup$2,518$210
Midsize Car$2,544$212
Compact Luxury SUV$2,706$226
Compact Luxury Car$2,742$229
Large SUV$2,752$229
Half-ton Pickup$2,764$230
Heavy Duty Pickup$2,864$239
Midsize Luxury SUV$2,962$247
Midsize Luxury Car$3,060$255
Sports Car$3,426$286
Large Car$3,588$299
Large Luxury SUV$3,860$322
Large Luxury Car$3,992$333

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Lowell, MA Zip Codes. Updated June 27, 2025

Rates by different vehicle segments are precise enough for general comparisons, but rates vary quite a lot within each automotive segment shown above.

For example, in the midsize luxury car segment, average Lowell auto insurance rates range from the Mercedes-Benz CLA250 costing $2,566 per year for a full coverage policy up to the BMW M8 at $4,202 per year, a difference of $1,636 within that segment. In the sports car segment, insurance rates range from the Mazda MX-5 Miata at $2,306 per year to the Mercedes-Benz SL 63 at $5,124 per year, a difference of $2,818 within that segment.

In the next sections of the article, we remove some of this variability by looking at car insurance cost in Lowell for individual vehicle models.

Cheapest car insurance rates in Lowell

Ranking at the top of the list for the lowest-cost Lowell auto insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Toyota GR Corolla, Subaru Impreza, Nissan Leaf, and Honda Civic. Car insurance prices for these 2024 models average $2,292 or less per year.

Not the cheapest in the list, but still ranking well, are models like the Toyota Prius, Honda Accord, Kia K5, and Chevrolet Malibu, with an average cost to insure of $2,430 per year or less.

Some additional vehicles that make the list include the Hyundai Ioniq 6, Mazda 3, Nissan Versa, Mitsubishi Mirage G4, and Volkswagen Jetta, which average between $2,430 and $2,580 per year for full-coverage insurance.

From a monthly standpoint, car insurance in this segment for the average driver starts at around $181 per month, depending on the company.

If insurance rates are ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Lowell is the Toyota GR Corolla at $2,166 per year, or $181 per month. For midsize 2024 models, the Kia K5 is the cheapest model to insure at $2,404 per year, or $200 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $2,376 per year, or $198 per month.

The rate comparison table below ranks the twenty cars with the cheapest insurance in Lowell, starting with the Toyota GR Corolla at $2,166 per year ($181 per month) and ending with the Mazda 3 at $2,580 per year ($215 per month).

Cheapest Car Insurance in Lowell, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,166$181
Nissan LeafCompact$2,184$182
Honda CivicCompact$2,208$184
Nissan SentraCompact$2,286$191
Subaru ImprezaCompact$2,292$191
Toyota PriusCompact$2,330$194
Kia K5Midsize$2,404$200
Honda AccordMidsize$2,408$201
Chevrolet MalibuMidsize$2,420$202
Toyota CorollaCompact$2,430$203
Kia ForteCompact$2,434$203
Volkswagen ArteonMidsize$2,452$204
Nissan VersaCompact$2,458$205
Subaru LegacyMidsize$2,462$205
Hyundai Ioniq 6Midsize$2,482$207
Mitsubishi Mirage G4Compact$2,518$210
Volkswagen JettaCompact$2,522$210
Toyota CrownMidsize$2,524$210
Hyundai SonataMidsize$2,526$211
Mazda 3Compact$2,580$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Lowell, MA, with the Toyota GR Corolla ranking first at $2,166 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Lowell, MA, with the Toyota GR Corolla ranking first at $2,166 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Lowell car insurance quotes from top-rated companies in Massachusetts.

Cheapest SUV insurance rates in Lowell

The Subaru Crosstrek ranks in the top spot for the cheapest SUV to insure in Lowell, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,842 per year for full-coverage auto insurance.

Some other SUVs that have cheaper rates include the Buick Envision, Ford Bronco Sport, Hyundai Venue, and Toyota Corolla Cross, with average rates of $2,042 per year or less.

Some additional 2024 models worth mentioning include the Honda CR-V, Volkswagen Taos, Buick Envista, and Buick Encore, which average between $2,042 and $2,172 per year for full-coverage insurance in Lowell.

From a cost per month standpoint, car insurance on this segment in Lowell can cost as low as $154 per month, depending on where you live and the company you use. The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Lowell, starting with the Subaru Crosstrek at $1,842 per year ($154 per month) and ending with the Subaru Ascent at $2,172 per year ($181 per month).

Cheapest SUV Insurance in Lowell, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,842$154
Chevrolet TrailblazerCompact$1,874$156
Kia SoulCompact$1,946$162
Nissan KicksCompact$1,962$164
Honda PassportMidsize$1,986$166
Buick EnvisionCompact$1,998$167
Toyota Corolla CrossCompact$2,012$168
Hyundai VenueCompact$2,024$169
Mazda CX-5Compact$2,036$170
Ford Bronco SportCompact$2,042$170
Volkswagen TiguanCompact$2,064$172
Nissan MuranoMidsize$2,096$175
Buick EncoreCompact$2,116$176
Subaru OutbackMidsize$2,124$177
Honda CR-VCompact$2,126$177
Buick EnvistaMidsize$2,132$178
Volkswagen TaosCompact$2,138$178
Kia NiroCompact$2,146$179
Honda HR-VCompact$2,170$181
Subaru AscentMidsize$2,172$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Lowell, MA, with the Subaru Crosstrek ranking first at $1,842 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Lowell, MA, with the Subaru Crosstrek ranking first at $1,842 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lowell car insurance quotes from the best companies in Massachusetts.

Cheapest pickups to insure in Lowell

The #1 ranking in Lowell for cheapest auto insurance in the pickup truck segment is the Chevrolet Colorado, at an average of $2,200 per year. Second place is the Nissan Titan at $2,332 per year, in third place is the Nissan Frontier, at an average of $2,358 per year, and coming in fourth is the Ford Ranger, costing an average of $2,384 per year.

Also ranking well are models like the Toyota Tacoma, Honda Ridgeline, GMC Canyon, and GMC Sierra 2500 HD, with an average car insurance cost of $2,566 per year or less.

Auto insurance in this segment starts at around $183 per month, depending on where you live. The comparison table below ranks the twenty pickups with the cheapest car insurance in Lowell, starting with the Chevrolet Colorado at $2,200 per year ($183 per month) and ending with the Ram Truck at $2,882 per year ($240 per month).

Cheapest Pickup Insurance in Lowell, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,200$183
Nissan TitanFull-size$2,332$194
Nissan FrontierMidsize$2,358$197
Ford RangerMidsize$2,384$199
Ford MaverickMidsize$2,416$201
Honda RidgelineMidsize$2,476$206
Hyundai Santa CruzMidsize$2,516$210
Toyota TacomaMidsize$2,526$211
GMC Sierra 2500 HDHeavy Duty$2,536$211
GMC CanyonMidsize$2,566$214
Jeep GladiatorMidsize$2,626$219
GMC Sierra 3500Heavy Duty$2,642$220
Chevrolet Silverado HD 3500Heavy Duty$2,666$222
Chevrolet Silverado HD 2500Heavy Duty$2,738$228
GMC SierraFull-size$2,754$230
Chevrolet SilveradoFull-size$2,758$230
Nissan Titan XDHeavy Duty$2,758$230
Ford F150Full-size$2,790$233
GMC Hummer EV PickupFull-size$2,860$238
Ram TruckFull-size$2,882$240

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lowell, MA, with the Chevrolet Colorado ranking first at $2,200 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lowell, MA, with the Chevrolet Colorado ranking first at $2,200 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your truck in the table above? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Lowell car insurance quotes from top-rated companies in Massachusetts.

Cheapest sports car insurance rates

The top five most budget-friendly sports cars to insure in Lowell are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average insurance rates for for these vehicles range from $2,306 to $2,798 per year.

Some other sports cars that are affordable to insure are the Toyota GR Supra, BMW M2, Subaru BRZ, and Nissan Z, with an average cost of $2,982 per year or less.

From a monthly standpoint, full-coverage insurance in Lowell on this segment for a middle-age safe driver starts at around $192 per month, depending on the company and where you live. The table below ranks the twenty sports cars with the lowest-cost average car insurance rates in Lowell.

Cheapest Sports Car Insurance in Lowell, Massachusetts
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,306$192
Toyota GR86Sports Car$2,628$219
Ford MustangSports Car$2,740$228
BMW Z4Sports Car$2,754$230
Subaru WRXSports Car$2,798$233
Toyota GR SupraSports Car$2,802$234
BMW M2Sports Car$2,884$240
Nissan ZSports Car$2,890$241
Lexus RC FSports Car$2,948$246
Subaru BRZSports Car$2,982$249
BMW M3Sports Car$3,150$263
Porsche 718Sports Car$3,212$268
Chevrolet CamaroSports Car$3,242$270
Chevrolet CorvetteSports Car$3,452$288
Porsche 911Sports Car$3,574$298
BMW M4Sports Car$3,722$310
Lexus LC 500Sports Car$3,742$312
Jaguar F-TypeSports Car$3,934$328
Mercedes-Benz AMG GT53Sports Car$4,128$344
Porsche TaycanSports Car$4,224$352

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Lowell, MA, with the Mazda MX-5 Miata ranking first at $2,306 per year.
Ranking of the cheapest sports cars to insure in Lowell, MA, with the Mazda MX-5 Miata ranking first at $2,306 per year.

Don’t see insurance cost for your sports car? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Lowell.

Cheapest luxury car insurance rates

Ranking at the top for the cheapest Lowell auto insurance rates in the luxury car segment are the Lexus IS 300, Mercedes-Benz CLA250, Acura Integra, Acura TLX, and BMW 330i. Rates for these models average $2,578 or less per year.

Not the cheapest in the list, but still ranking well, are luxury cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus RC 300, with average insurance cost of $2,620 per year or less.

Additional 2024 models worth mentioning include the Lexus IS 350, Jaguar XF, Cadillac CT5, Audi S3, and BMW 330e, which cost between $2,620 and $2,796 per year for insurance in Lowell.

Full-coverage auto insurance in Lowell for this segment for a good driver will start around $185 per month, depending on where you live.

If insurance rates are ranked by vehicle size, the most affordable compact luxury car to insure in Lowell is the Acura Integra at $2,216 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,566 per year. And for full-size luxury cars, the Audi A5 has the cheapest rates at $2,964 per year.

The rate comparison table below ranks the luxury cars with the lowest-cost insurance in Lowell, starting with the Acura Integra at $2,216 per year and ending with the Audi S3 at $2,796 per year.

Cheapest Luxury Car Insurance in Lowell, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,216$185
BMW 330iCompact$2,538$212
Mercedes-Benz CLA250Midsize$2,566$214
Lexus IS 300Midsize$2,570$214
Acura TLXCompact$2,578$215
Cadillac CT4Compact$2,604$217
Lexus ES 350Midsize$2,604$217
Genesis G70Compact$2,610$218
Mercedes-Benz AMG CLA35Midsize$2,614$218
Lexus RC 300Midsize$2,620$218
Lexus IS 350Compact$2,632$219
Jaguar XFMidsize$2,638$220
Cadillac CT5Midsize$2,686$224
Lexus ES 250Midsize$2,698$225
Lexus RC 350Compact$2,704$225
BMW 330eCompact$2,708$226
BMW 228iCompact$2,714$226
BMW 230iCompact$2,734$228
Lexus ES 300hMidsize$2,738$228
Audi S3Compact$2,796$233

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lowell, MA, with the Acura Integra ranking first at $2,216 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lowell, MA, with the Acura Integra ranking first at $2,216 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Lowell car insurance quotes from top auto insurance companies in Massachusetts.

Cheapest luxury SUV insurance rates

Sitting at number one in Lowell for cheapest auto insurance rates in the luxury SUV segment is the Acura RDX, with an average cost of $2,086 per year. Second place is the Lexus NX 250 at $2,208 per year, and the third cheapest is the Cadillac XT4, at an average of $2,252 per year.

Not the cheapest, but still very affordable, are luxury SUVs like the Lincoln Corsair, Lexus NX 450h, Lexus UX 250h, and Mercedes-Benz GLB 250, with an average cost to insure of $2,406 per year or less.

As a cost per month, full-coverage insurance in this segment for a safe driver can cost as low as $174 per month, depending on the company and where you live.

The table below ranks the twenty luxury SUVs with the lowest-cost insurance rates in Lowell.

Cheapest Luxury SUV Insurance in Lowell, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,086$174
Lexus NX 250Compact$2,208$184
Cadillac XT4Compact$2,252$188
Jaguar E-PaceMidsize$2,332$194
Cadillac XT5Midsize$2,352$196
Lexus NX 350hCompact$2,352$196
Lincoln CorsairCompact$2,382$199
Mercedes-Benz GLB 250Compact$2,386$199
Lexus UX 250hCompact$2,392$199
Lexus NX 450hCompact$2,406$201
Infiniti QX50Midsize$2,424$202
Mercedes-Benz GLA250Compact$2,432$203
Mercedes-Benz GLA35 AMGCompact$2,440$203
Cadillac XT6Midsize$2,442$204
Infiniti QX60Midsize$2,454$205
Mercedes-Benz AMG GLB35Midsize$2,456$205
Land Rover EvoqueCompact$2,488$207
Acura MDXMidsize$2,492$208
Lexus NX 350Compact$2,500$208
Lexus RX 350Midsize$2,502$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lowell, MA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lowell, MA, with the Acura RDX ranking first at $2,086 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lowell, MA, with the Acura RDX ranking first at $2,086 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see insurance rates for your luxury SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Massachusetts.

What to expect when buying Lowell car insurance

To reinforce the extent to which car insurance premiums can vary for different applicants (and also point out the importance of getting plenty of price quotes), the examples below visualize a large range of rates for five popular models in Lowell: the Ford F150, Nissan Sentra, Honda Pilot, Honda Accord, and Chevrolet Camaro.

The example for each vehicle shows rates for a variety of different driver profiles to illustrate the cost fluctuation based on changes in the risk profile of the driver.

Ford F150 insurance rates

Ford F150 insurance in Lowell averages $2,790 per year, or about $233 per month, and varies from $2,312 to $6,444 per year.

Average 2024 Ford F150 insurance premiums in Lowell for different driver ages and risk scenarios.
Figure 4: Average 2024 Ford F150 insurance premiums in Lowell for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Lowell includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Lowell, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,444$537
Safe Driver Age 20$5,642$470
At-fault Accidents Age 40$3,962$330
Low Deductibles Age 40$3,656$305
Safe Driver Age 30$2,976$248
Safe Driver Age 40$2,790$233
Safe Driver Age 50$2,470$206
High Deductibles Age 40$2,346$196
Safe Driver Age 60$2,312$193
Discount Rate Age 40$2,312$193

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 26, 2025

The Ford F150 is part of the full-size truck segment, and other popular models include the Chevrolet Silverado, Toyota Tundra, and Nissan Titan.

Nissan Sentra insurance rates

Car insurance for a Nissan Sentra in Lowell costs an average of $2,286 per year (about $191 per month) and ranges from $1,896 to $5,190 annually.

Average 2024 Nissan Sentra insurance premiums in Lowell for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Sentra insurance premiums in Lowell for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Lowell includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Lowell, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,190$433
Safe Driver Age 20$4,516$376
At-fault Accidents Age 40$3,236$270
Low Deductibles Age 40$2,890$241
Safe Driver Age 30$2,424$202
Safe Driver Age 40$2,286$191
Safe Driver Age 50$2,046$171
High Deductibles Age 40$1,966$164
Safe Driver Age 60$1,904$159
Discount Rate Age 40$1,896$158

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025

The Nissan Sentra is part of the compact car segment, and other top-selling models from the same segment include the Hyundai Elantra, Chevrolet Cruze, and Toyota Corolla.

Honda Pilot insurance rates

Insurance for a Honda Pilot in Lowell averages $2,428 per year, or about $202 per month, and has a range of $2,018 to $5,612 per year.

Average 2024 Honda Pilot insurance premiums in Lowell for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Pilot insurance premiums in Lowell for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Lowell includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Lowell, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,612$468
Safe Driver Age 20$4,920$410
At-fault Accidents Age 40$3,438$287
Low Deductibles Age 40$3,212$268
Safe Driver Age 30$2,596$216
Safe Driver Age 40$2,428$202
Safe Driver Age 50$2,144$179
High Deductibles Age 40$2,028$169
Discount Rate Age 40$2,018$168
Safe Driver Age 60$2,012$168

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 26, 2025

The Honda Pilot is part of the midsize SUV segment, and other similar models that are popular in Lowell include the Kia Telluride, Ford Explorer, Jeep Grand Cherokee, and Ford Edge.

Honda Accord insurance rates

Honda Accord insurance in Lowell averages $2,408 per year (about $201 per month) and ranges from $2,002 to $5,538 annually for the driver ages and coverage limits used in the cost chart below.

Average 2024 Honda Accord insurance premiums in Lowell for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in Lowell for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Lowell includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Lowell, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,538$462
Safe Driver Age 20$4,848$404
At-fault Accidents Age 40$3,404$284
Low Deductibles Age 40$3,172$264
Safe Driver Age 30$2,572$214
Safe Driver Age 40$2,408$201
Safe Driver Age 50$2,132$178
High Deductibles Age 40$2,016$168
Discount Rate Age 40$2,002$167
Safe Driver Age 60$1,998$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is part of the midsize car segment, and additional similar models include the Toyota Camry, Chevrolet Malibu, Kia K5, and Hyundai Sonata.

Chevrolet Camaro insurance rates

Insurance for a Chevrolet Camaro in Lowell costs an average of $3,242 per year (about $270 per month) and ranges from $2,690 to $7,442 per year.

Average 2024 Chevrolet Camaro insurance premiums in Lowell for different driver ages and risk scenarios.
Figure 8: Average 2024 Chevrolet Camaro insurance premiums in Lowell for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Lowell includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Camaro Insurance Cost in Lowell, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,442$620
Safe Driver Age 20$6,496$541
At-fault Accidents Age 40$4,602$384
Low Deductibles Age 40$4,172$348
Safe Driver Age 30$3,448$287
Safe Driver Age 40$3,242$270
Safe Driver Age 50$2,884$240
High Deductibles Age 40$2,760$230
Safe Driver Age 60$2,694$225
Discount Rate Age 40$2,690$224

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Camaro trim levels. Updated June 26, 2025

The Chevrolet Camaro is considered a sports car, and other top-selling models from the same segment include the Subaru BRZ, Toyota Supra, and Chevrolet Corvette.

Saving money on car insurance

Drivers should always be thinking of ways to reduce their monthly auto insurance expenses. So take a minute or two to look through the savings concepts in this next list and maybe you’ll be able to save a little dough on your next auto insurance policy.

  • Higher physical damage deductibles lower policy cost. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Bring up your credit score to save money. Having an over-800 credit score may save up to $392 per year over a credit score ranging from 670-739. Conversely, a mediocre credit rating could cost around $454 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Careless drivers have higher auto insurance rates. Having frequent at-fault accidents will raise rates, possibly by an additional $3,560 per year for a 20-year-old driver and even as much as $1,036 per year for a 40-year-old driver. So be safe and save.
  • Your occupation could save you money. Some auto insurance companies offer policy discounts for having a job in professions like architects, lawyers, scientists, firefighters, high school and elementary teachers, college professors, and others. Qualifying for this discount could save between $75 and $242 on your auto insurance cost, depending on the age of the driver.
  • Shop around for better rates. Setting aside 5-10 minutes to get some free car insurance quotes is a great way to save money. Companies make rate modifications frequently and switching to a different company is very easy to do.
  • Compare auto insurance rates before buying a car. Different cars, trucks, and SUVs have very different costs for insurance, and insurance companies can sell coverages with very different rates. Check prices before you buy a new car to prevent any surprises when buying coverage for your new car.
  • If your vehicle is older, remove optional coverages. Deleting comprehensive and collision coverage from older vehicles that are no longer worth much can cheapen the cost to insure substantially.