Buy Cheap Lynn, MA Auto Insurance in 2024
Lynn, MA auto insurance rates average $367 a month. Minimum auto insurance requirements in Lynn, Massachusetts are 20/40/5 to comply with Massachusetts laws. To buy cheap auto insurance in Lynn, MA, compare Lynn auto insurance quotes from top companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Lynn, MA after a DUI are $5,430/year
- The most expensive auto insurance company in Lynn after a DUI is Liberty Mutual
- The most expensive auto insurance company in Lynn is Liberty Mutual
Finding affordable Lynn, Massachusetts auto insurance can be challenging, but everything you need to know to buy cheap Lynn, MA auto insurance with confidence is right here. Auto insurance rates in Lynn are affected by local factors as well as personal ones like your driving record.
See how Lynn, MA car insurance rates compare to New Bedford auto insurance rates, Fall River auto insurance rates, and Cambridge auto insurance rates before you read more about the cost of auto insurance in Lynn.
Don’t buy Lynn, MA auto insurance until you’ve compared rates. Get free Lynn, Massachusetts auto insurance quotes when you enter your ZIP code above.
Lynn, MA Minimum Auto Insurance Requirements
The minimum auto insurance required by state can vary throughout the U.S. The required auto insurance in Lynn, MA is 20/40/5 according to the auto insurance laws in Massachusetts. The minimum auto insurance in Lynn, Massachusetts is outlined here.
Minimum Required Auto Insurance Coverage in Lynn, Massachusetts
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Buy Cheap Lynn, MA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Lynn, Massachusetts auto insurance rates? Find out how car insurance rates in Lynn, MA are impacted by demographics, such as the average auto insurance rates by age.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lynn, Massachusetts
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,678 | $3,678 | $3,678 | $3,678 | $9,184 | $9,184 | $4,132 | $4,132 |
| Geico | $3,383 | $3,383 | $3,157 | $3,157 | $7,164 | $7,164 | $3,513 | $3,513 |
| Liberty Mutual | $4,578 | $4,578 | $3,987 | $3,987 | $10,500 | $10,500 | $4,793 | $4,793 |
| Progressive | $3,420 | $3,420 | $3,277 | $3,277 | $13,014 | $13,014 | $3,689 | $3,689 |
| State Farm | $1,490 | $1,490 | $1,490 | $1,490 | $3,268 | $3,268 | $1,490 | $1,490 |
| Travelers | $3,711 | $3,711 | $3,256 | $3,256 | $7,665 | $7,665 | $4,121 | $4,121 |
| USAA | $2,153 | $2,153 | $2,118 | $2,118 | $5,106 | $5,106 | $2,382 | $2,382 |
Buy Cheap Lynn, MA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Lynn can be expensive, but shopping around can make a difference. To buy cheap auto insurance for teenagers, you must compare rates. Average rates for teen auto insurance in Lynn, MA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Lynn, Massachusetts
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,184 | $9,184 |
| Geico | $7,164 | $7,164 |
| Liberty Mutual | $10,500 | $10,500 |
| Progressive | $13,014 | $13,014 |
| State Farm | $3,268 | $3,268 |
| Travelers | $7,665 | $7,665 |
| USAA | $5,106 | $5,106 |
Buy Cheap Lynn, MA Auto Insurance for Seniors
You can save on senior auto insurance rates in Lynn, Massachusetts by comparing Lynn senior car insurance quotes from multiple companies. When you decide to buy cheap auto insurance for senior citizens, it takes some research to find the best rates. Take a look at the average cost of auto insurance for seniors in Lynn, MA here.
Annual Auto Insurance Rates for Senior Drivers in Lynn, Massachusetts
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,678 | $3,678 |
| Geico | $3,157 | $3,157 |
| Liberty Mutual | $3,987 | $3,987 |
| Progressive | $3,277 | $3,277 |
| State Farm | $1,490 | $1,490 |
| Travelers | $3,256 | $3,256 |
| USAA | $2,118 | $2,118 |
Find Cheap Auto Insurance Rates in Lynn, MA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Lynn, Massachusetts auto insurance. Compare Lynn, MA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lynn, Massachusetts
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,742 | $5,252 | $5,509 |
| Geico | $3,976 | $4,377 | $4,560 |
| Liberty Mutual | $5,540 | $6,047 | $6,305 |
| Progressive | $5,353 | $5,941 | $6,256 |
| State Farm | $1,751 | $1,968 | $2,085 |
| Travelers | $4,226 | $4,782 | $5,057 |
| USAA | $2,721 | $2,986 | $3,113 |
Find Cheap Lynn, MA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Lynn. Compare auto insurance rates in Lynn, MA by commute length to see how your daily commute impacts your rates. Learning how pay-per-mile auto insurance works might help you get discounts on your policy.
Annual Auto Insurance Rates by Commute Length in Lynn, Massachusetts
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,993 | $5,343 |
| Geico | $4,224 | $4,384 |
| Liberty Mutual | $5,734 | $6,195 |
| Progressive | $5,850 | $5,850 |
| State Farm | $1,890 | $1,979 |
| Travelers | $4,458 | $4,918 |
| USAA | $2,857 | $3,022 |
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Find Cheap Lynn, MA Auto Insurance Rates by ZIP Code
Auto insurance rates in Lynn, Massachusetts can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lynn, MA to see how much where you live in Lynn affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Lynn, Massachusetts
| ZIP Code | Average Annual Rates |
|---|---|
| 1901 | $4,407 |
| 1902 | $4,407 |
| 1904 | $4,407 |
| 1905 | $4,407 |
Find Cheap Lynn, MA Auto Insurance Rates by Driving Record
Auto insurance rates in Lynn, Massachusetts are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lynn, MA, take a look at the average cost for various violations versus rates for a clean driving record in Lynn. You might have to buy high risk auto insurance if you have a bad driving record.
Annual Lynn, Massachusetts Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,921 | $6,043 | $6,787 | $3,921 |
| Geico | $3,404 | $4,756 | $5,435 | $3,623 |
| Liberty Mutual | $4,642 | $6,459 | $7,741 | $5,016 |
| Progressive | $4,890 | $6,949 | $5,492 | $6,070 |
| State Farm | $1,517 | $2,095 | $2,489 | $1,638 |
| Travelers | $3,627 | $5,060 | $5,427 | $4,638 |
| USAA | $2,078 | $2,712 | $4,640 | $2,330 |
Find Cheap Lynn, MA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Lynn, Massachusetts is higher than for a clean driving record. You can buy auto insurance after a DUI in Lynn for less when you shop around and compare rates from multiple Lynn, MA auto insurance companies. If you want to learn how to get auto insurance after a DUI, you should also talk to your insurance agent.
Annual Auto Insurance Rates After a DUI in Lynn, Massachusetts
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,787 |
| Geico | $5,435 |
| Liberty Mutual | $7,741 |
| Progressive | $5,492 |
| State Farm | $2,489 |
| Travelers | $5,427 |
| USAA | $4,640 |
Winners by Category: Where to Buy Cheap Auto Insurance in Lynn, MA
Compare rates from the cheapest auto insurance companies in Lynn, MA for your needs. Take a look at how Lynn, Massachusetts auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Lynn, Massachusetts
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Find Cheap Lynn, Massachusetts Auto Insurance Companies
If you’re looking for the cheapest Lynn, MA auto insurance companies overall, you can compare them here. Find the best price for Lynn, Massachusetts car insurance by company.
Average Annual Auto Insurance Rates by Company in Lynn, Massachusetts
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,168 |
| Geico | $4,304 |
| Liberty Mutual | $5,964 |
| Progressive | $5,850 |
| State Farm | $1,935 |
| Travelers | $4,688 |
| USAA | $2,940 |
What affects Lynn, Massachusetts auto insurance rates?
Local factors affect auto insurance rates in Lynn, MA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lynn auto insurance rates.
Commute Times in Lynn
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lynn, MA is 32.7 minutes according to City-Data.
Compare Auto Insurance Quotes in Lynn, MA
You can buy cheap Lynn, MA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lynn, Massachusetts auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when buying auto insurance in Lynn, MA?
When purchasing auto insurance in Lynn, MA, consider the following six factors:
- Coverage options
- Deductible
- Limits
- Vehicle type and usage
- Driving record
- Credit score
Are there any specific Massachusetts state requirements I need to meet when buying auto insurance in Lynn?
Yes, Massachusetts has specific auto insurance requirements. When purchasing auto insurance in Lynn or anywhere in Massachusetts, you must meet the following four minimum coverage limits:
- Bodily Injury to Others
- Personal Injury Protection (PIP)
- Bodily Injury Caused by an Uninsured Auto
- Damage to Someone Else’s Property
Can my credit score affect my auto insurance rates in Lynn, MA?
Yes, in Massachusetts, insurance companies are allowed to consider your credit score when determining your auto insurance rates. Insurers may use credit-based insurance scores, which take into account your credit history, to assess the likelihood of you filing a claim. Maintaining a good credit score can help you secure more affordable insurance rates.
What should I do if I’m having trouble finding affordable auto insurance in Lynn, MA?
If you’re having trouble finding affordable auto insurance in Lynn, MA, consider the following six steps:
- Review your coverage needs: Assess your insurance needs and determine if there are any unnecessary coverage options that you can remove to lower your premium.
- Improve your credit score: Work on improving your credit score by paying bills on time, reducing outstanding debts, and correcting any errors on your credit report. A higher credit score can lead to lower insurance rates.
- Seek assistance from an insurance broker: Consider consulting with an insurance broker who can help you navigate the insurance market and find suitable coverage at competitive prices. They have access to multiple insurers and can provide personalized advice.
- Explore state programs: Massachusetts has programs like the Massachusetts Auto Insurance Plan (MAIP) designed to assist drivers who may have trouble finding coverage in the open market. MAIP assigns eligible drivers to insurance companies, ensuring access to coverage.
- Consider alternative insurance options: Look into alternative insurance options such as usage-based insurance or pay-per-mile insurance. These options base premiums on your actual driving habits and can potentially offer more affordable rates if you’re a safe driver or don’t drive often.
- Check for additional discounts: Contact insurance providers directly and inquire about any available discounts or promotions that you may qualify for. Some insurers offer discounts for factors like good driving records, affiliations, or completing defensive driving courses.
Can I reduce my auto insurance premium by installing safety features in my vehicle?
Yes, installing safety features in your vehicle can potentially reduce your auto insurance premium in Lynn, MA. Many insurance companies offer discounts for safety features that reduce the risk of accidents and injuries. Some common safety features that may lead to premium reductions include anti-lock brakes, airbags, anti-theft devices, lane departure warning systems, and adaptive cruise control. Contact your insurance provider to inquire about available discounts for safety features and ensure you provide proof of installation to receive the applicable savings.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.