Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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.

Compare car insurance quotes now!

Location pin icon
No junk mail. No spam calls. Free quotes.

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 editorial 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.