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2024

Last updated:

Best Local Car Insurance Agencies in Lawrence

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lawrence Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

58

Reviewed

40

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
15 Central Street, Andover, MA 01810
  • Multiple Carriers

Why choose this provider?

Samel Insurance Agency Inc. is an independent company providing insurance services to clients in Lawrence and the nearby areas. For over 50 years, it has been offering car insurance plans that protect its clients against financial losses associated with events such as accidents and theft. Its team of agents assists customers in understanding the types of coverages and helps them decide which one is right for them. The agency also serves its community by being involved in local and industry associations.

License Verified:

License: 1780985

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
493 Westford Street, Lowell, MA 01851

Why choose this provider?

Mill City Insurance is an insurance agency that has been providing policies to clients in Lawrence for over 15 years. The agency's policies offer coverage for damage and theft, legal obligations for property damage and bodily injury, and expenses related to treating injuries, including rehabilitation along with wages lost and funeral costs for new and experienced drivers. Mill City Insurance also offers home and renters insurance. It also has insurance agents in Lowell, Lynn, Worcester, and Everett.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (75)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
242 State Street, Portsmouth, NH 03801
  • Bundling Option

Why choose this provider?

Kane Insurance Portsmouth has been delivering personal and commercial auto insurance solutions to clients in Lawrence and the surrounding communities since 1995. Its service is broken down into three steps, starting with matching the client's coverage needs to the appropriate insurance policy. Based on these requirements, the agents then narrow down the options from over 40 insurance carriers that they represent. These options are then discussed by the agent in order for the client to choose the right policy.

License Verified:

License: 1912910

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.4 / 5 (14)
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
601 Islington Street, Portsmouth, NH 03801
  • Multiple Carriers

Why choose this provider?

Portsmouth Atlantic Insurance has been providing auto insurance to drivers in Lawrence since 2005. The independent agency's policies provide cover for property damage, physical damage, bodily injury liability, and medical payments along with coverage for transportation expenses/rental coverage and uninsured/underinsured motorists. With six team members including personal insurance specialists on board, it offers comprehensive solutions to clients from many insurance companies. Portsmouth Atlantic Insurance is a member of the North American Insurance Alliance and the New Hampshire Association of Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (190)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1a Andover Road, Billerica, MA 01821
  • Motorcyle & ATV

Why choose this provider?

MTMBrainerd INC. is an independent insurance agency with over 100 years of combined industry experience in offering car insurance options to clients in Lawrence and nearby areas. Its agents develop long-term relationships with its clients by providing the right products at the best prices. They also give expert advice to ensure that clients are properly protected and understand what they are purchasing. The company also offers auto and home bundles, which help clients save even more.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
91 Plaistow Road, Plaistow, NH 03865
  • Multiple Carriers

Why choose this provider?

Verge Agency is a Plaistow-based company that provides car insurance products to residents in the area and in the greater Lawrence metro. It writes annual or bi-annual auto insurance policies that can include property damage, liability, and medical payment coverage. The business was formed to provide personalized insurance solutions that have the clients' best interests in mind. The independent agency has other offices located in New Hampshire, Massachusetts, and Maine.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (4)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
95 Ayer Street, Methuen, MA 01844
  • Multiple Carriers

Why choose this provider?

Michaud Insurance Agency, Inc., is a family-owned insurance agency servicing the Lawrence community. It provides personal and commercial car insurance coverage options that protect drivers and their assets from loss, injury, or damage. The policies typically include liability, collision, and comprehensive protection. Additional coverages can also be included like medical payments, emergency road service, and uninsured motorist protection. Businesses are also protected when commercial vehicles are involved in accidents. The agency also offers classic car and auto dealers' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (72)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
224 Main Street, Salem, NH 03079
  • Multiple Carriers

Why choose this provider?

Santo Insurance & Financial Services is an independent insurance agency that has been serving New Hampshire locals in the Lawrence and Salem areas since 1993. Its insurance agents provide personalized auto insurance packages with premium benefits for multi-car policies, good driving histories, good student records, auto safety features, and homeownership. The agency's carriers include AmTrust North America, Peerless Insurance, Progressive, MMG Insurance, and Union Mutual. Santo Insurance & Financial Services is a Trusted Choice Independent Insurance Agent.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (11)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10 West Main Street, Georgetown, MA 01833
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Georgetown Insurance Agency, Inc., is a family-owned business near Lawrence that provides protection for car owners and drivers through auto insurance. Its team of insurance professionals has years of experience crafting policies that pay for damages, medical expenses, and legal costs arising from accidents, theft, fire, or other covered events involving vehicles. Insurance plans for classic and antique cars are also available. Georgetown Insurance Agency seeks to build long-term relationships with clients and deliver a high level of professional service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.5 / 5 (8)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10 South Broadway, Lawrence, MA 01843
  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

Why choose this provider?

Silverio Insurance Agency is an independent insurance agency that services the greater Lawrence metro and the nearby Lowell area. The agency was founded in 1984 and is committed to guiding clients through their insurance options and crafting a lasting insurance plan that addresses their needs. It is an expert in writing auto insurance policies that provide comprehensive and collision coverage. Add-ons for protecting against medical payments, uninsured motorists, and other liabilities are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
86 Broadway, Lawrence, MA 01840
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Walter Insurance Agency is an independent business that has been offering a wide range of personal and commercial insurance products since 1997. The company serves Lawrence and nearby communities. Its professionals offer auto insurance services to protect clients from losses and damages due to accidents and other disasters. They also provide workers' compensation, general liability, business owner policy, and home insurance solutions. Walter Insurance Agency works with dozens of insurance carriers and has English, Portuguese, and Spanish speakers on-premises.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (13)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
20 High Street, Hampton, NH 03842
  • Multiple Carriers

Why choose this provider?

Tobey & Merrill Insurance is a car insurance agency serving over 4,000 clients in Lawrence and other communities in Massachusetts, Maine, and New Hampshire. Founded in 1908, the agency has survived two world wars and economic ups and downs. It currently has 11 employees, representing more than 200 years of experience. The team helps clients protect themselves and their vehicles in cases of bodily injury to others, property damage, medical payments, and uninsured motorists. The agency partners with 20 major insurance companies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
359 Main Street, Haverhill, MA 01830
  • Multiple Carriers

Why choose this provider?

Founded in 1938, Cowan Insurance Agency, Inc., has served residents in Lawrence and New England. The company offers insurance policies for personal and commercial lines. Some of the policies offered are for homeowners, businesses, and car owners. For personal cars, collision coverage covers all possible emergency road accidents, while commercial auto insurance provides protection for vans, dump trucks, and food trucks. Cowan Insurance Agency operates by its service standard to "do right and do it now."

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.3 / 5 (7)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Whose insurance will pay for a pedestrian's injuries in a car accident in Lawrence?

    If a pedestrian is hurt in a car accident in Lawrence, the at-fault driver's insurance will almost certainly cover their injuries. In addition to suing the negligent driver, the pedestrian may sue the local municipality or the homeowner who failed to take reasonable precautions to ensure the safety of the streets and walkways. The pedestrian may also be covered by their personal auto insurance.

  • What grounds can you sue for car insurance fraud in Lawrence?

    Denying coverage, shifting liability to other involved parties or the victim, delaying payment, failing to conduct a thorough investigation, and undervaluing claims are all common grounds for suing a car insurance company in Lawrence. If your insurance company engages in the aforementioned deceptive practices, they may face legal consequences under the Massachusetts Consumer Protection Act. The statute of limitations for claims under this law is four years.

  • What is the process for acquiring new original equipment manufacturer parts for your Lawrence car insurance?

    If the safety of your vehicle is jeopardized, or if you file a claim within the first 20,000 miles driven, your Lawrence car insurance will cover the cost of replacing the damaged components with new original equipment manufacturer parts. Otherwise, the insurance company is not required to pay for OEM replacements; rather, it will likely pay for refurbished or aftermarket components. You can request OEM components, but you must pay the difference.

  • How do points on your license impact your car insurance rates in Lawrence?

    Points on a driver's license are not used in Lawrence to determine car insurance premium increases and decreases. Instead, the state Registry of Motor Vehicles implements the Safe Driver Insurance Plan, which establishes the discounts and surcharges that your auto insurance provider may impose on your rates. Insurance companies and you, as an insurer, have the option of using the SDIP or developing your own merit system.

  • Who can benefit from pay-per-mile car insurance in Lawrence?

    Pay-per-mile car insurance in Lawrence can help those who drive more than 1,000 miles per month. These individuals will be able to manage their monthly insurance costs by selecting a policy that charges a flat monthly rate plus a per-mile surcharge, depending on how far they travel. Few insurance companies offer this protection, but some do, often including safe-driving behavior measures in individualized rates.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.