Lowell, MA Car Insurance

Explore average auto insurance rates in Lowell, Massachusetts, and the best ways to save.

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Car insurance in Lowell

On average, Lowell premiums are $246 higher than the state average. Going over some tips below about how to save on Lowell car insurance can save you money.


Lowell car insurance by age

The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Lowell start saving 63%. The downward direction continues, as premium prices in Lowell decrease the older a driver gets. Everyone loves to save money, and luckily for drivers in their 70s, they do just that! They have the lowest payments among any age group, with rates of $1,155. People in their 60s ($1,186) have premiums that aren't much higher. With car insurance payments of $4,898 on average, teenage drivers have the biggest premiums out of all the age groups.

  • Teenagers: $4,898
  • 20s: $1,835
  • 30s: $1,394
  • 40s: $1,345
  • 50s: $1,296
  • 60s: $1,186
  • 70s: $1,155


Lowell car insurance by accident or violation history

Does your driving record show a history of accidents or violations? That can have an impact on your premiums. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Lowell need to spend nearly double the average for the city to insure their vehicle. Reckless driving will also bump your premiums up, with average rates of $2,856, which are 97% higher than the city average! For individuals in Lowell with at-fault accidents in which damages exceeded $2,000, rates are an average of 5% more than at-fault accidents with damages less than $1,000.

  • DUI: $2,890
  • Reckless Driving: $2,856
  • At-fault Accident (damages less than $1000): $2,362
  • At-fault Accident (damages greater than $2000): $2,469
  • Speeding Ticket (16-20 mph over speed limit): $1,811

* Credit score is considered discriminatory in Massachusetts and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance each year.

* Insurance rates aren't affected by either marital status or gender in Lowell.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent and one of The Zebra’s in-house content researchers and writers.

With a background in copywriting, she covers the ins and outs of auto, home, life and renters insurance, providing data-backed insights and information to help insurance shoppers make informed decisions. Kristine has contributed her insurance expertise to publications such as Automoblog, USInsuranceAgents.com and BestCompany.com. Her research has been cited by Car and Driver.