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How much is auto insurance in Lynn?


Car insurance costs an average of $2,160 per year in Lynn, Massachusetts. That's greater than than the Massachusetts average ($1,463) and more expensive than the U.S. average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Lynn.


LYNN CAR INSURANCE RATES
Lynn Average (annual) Massachusetts Average National Average
$2,160 $1,463 $1,548


Table of contents:


Lynn car insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to carefully compare quotes when choosing an insurer. In Lynn, Plymouth Rock provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Lynn below. Use the following information as a starting point and make sure to seek out quotes specific to your unique driving profile.


LYNN AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Rate (annual)
Plymouth Rock $1,547
Safety $1,603
GEICO $1,674
Arbella $2,022
MetLife $2,447


Check out our guide to learn how to find the best cheap car insurance.



Lynn car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Lynn are drivers in their 60s, who pay an average of $1,829 per year. Those in their 50s don't pay significantly more ($1,917).

The Lynn drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Lynn is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Lynn is $3,848. That's the biggest gap in premiums between any pair of age brackets.


CAR INSURANCE RATES BY AGE TIER IN LYNN
Age bracket Average Yearly Rate
Teenagers $6,599
20s $2,751
30s $2,101
40s $2,024
50s $1,917
60s $1,829
70s $1,940


Learn more about how age influences auto insurance rates.



Lynn auto insurance premiums by gender and marital status


Marital status and gender can play roles in how car insurance companies set rates, in some cases. Married drivers in Lynn pay $9 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can impact auto insurance costs.


LYNN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital Status Average Annual Rate
Female $2,160
Male $2,160
Single $2,160
Married $2,151
Divorced $2,151
Widowed $2,151


Learn more about how gender and marital status have on auto insurance rates.



Lynn auto insurance premiums by citation and accident history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a jump in your car insurance premiums, as insurance companies reward low-risk drivers with the gift of affordable rates.

Lynn drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,872 per year when compared to the city average. A ticket for speeding leads to a $679 rate hike while a DWI or DUI violation costs $1,693per year in extra insurance expenditures.


LYNN CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Annual Rate
DUI/DWI $3,853
Reckless Driving $4,032
At-fault Accident (damages less than $1,000) $2,611
At-fault Accident (damages greater than $2,000) $3,661
Speeding Ticket (16-20 mph over speed limit) $2,839


Learn more about how citations can raise your auto insurance rates.



Lynn car insurance rates by credit score


Massachusetts is one of several U.S. states that does not allow insurers to use credit as a factor in setting rates.


Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.