Car insurance costs an average of $180 each month in Lynn. Learn more about how rates are calculated or enter your ZIP to compare quotes.
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 Average (annual) | Massachusetts Average | National Average |
| $2,160 | $1,463 | $1,548 |
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.
| 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.
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.
| 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.
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.
| 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.
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.
| 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.
Massachusetts is one of several U.S. states that does not allow insurers to use credit as a factor in setting rates.