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Cheap Car Insurance in Lowell, Massachusetts

Locate cheap car insurance in Lowell, Massachusetts, the city once known as the cradle of the American Industrial Revolution. About 30 miles northwest of Boston, Lowell is built at the confluence of the Merrimack and Concord rivers. It was incorporated in 1826 as a mill town and later served as one of two seats of Middlesex County until county government was disbanded in 1999. The home of the University of Massachusetts Lowell and Middlesex Community College, the city today has an estimated 110,558 residents living in its 15 square miles. Many of its former factories and textile mills have been preserved to create the Lowell National Historical Park.

Driving Conditions in Lowell

Lowell is located north of Interstate 495, known as the Blue Star Memorial Highway. The “Lowell Connector” branches northward off the freeway and ends in downtown, feeding into city streets. Plans to extend it were drawn up at one point, but then abandoned. The Lowell Connector has been named one of the most dangerous highways in the state due to a high number of accidents and design flaws, including sharp, steep and numerous on and off ramps. There is also an abrupt and steep termination onto Gorham Street.

The average commute time for Springfield is about 25 minutes, about a minute shorter than the national , according to Census Bureau data. For traffic maps and updates on accidents and construction and to learn about commuting options, visit

Unique Laws in Lowell

The City of Lowell enacted a controversial ordinance in 2011 requiring Pit Bulls to wear a muzzle or be secured in an enclosure. It was repealed the following year when state legislation prohibited cities and towns from regulating dogs specific to a particular breed. Lowell does, however, still have an ordinance requiring aggressive dogs — regardless of breed — be muzzled, in an enclosure or on a leash no more than 4 feet long.

Massachusetts is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving. Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

Since Massachusetts is one of the original 13 colonies, there are plenty of antiquated laws still on the books and many that are just plain odd. For example, Massachusetts laws prevent eating more than three sandwiches at a wake, scaring pigeons, wearing a goatee in public or spitting on the sidewalk. Thankfully, it is illegal for children to buy their own cigarettes.

Lowell Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 380 violent crimes in Lowell, none of which were murder. The local violent crime rate of 342 offenses per 100,000 residents is just below the average violent crime rate of 386 offenses per 100,000 in the U.S.

The property crime rate in Lowell was 1,980 offenses per 100,000 residents, also below the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 401 vehicles were stolen in 2016, FBI data shows, a rate of 361 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Lowell safety requirements

In Massachusetts, children must ride in a safety seat or booster under they are 8 years old or 57 inches tall. Everyone in the car must wear a seat belt, but seat belt laws in Massachusetts are “secondary,” meaning you can’t get pulled over and ticketed just for not wearing one. Texting while driving and more recently talking on the phone without a hands-free device is illegal.

Lowell impaired driving laws

Drivers with a blood alcohol concentration of .08 or higher are charged with OUI, or operating under the influence, as it is called in Massachusetts. For minors under 21, that BAC drops to .02. Not that to make an arrest, police don’t need to wait for you to put your car in gear. First offenders get a 180-day license suspension, but there is no minimum jail term required. Ignition interlock devices are required for all drivers who are convicted of a second OUI offense. Regardless of your background or circumstances, it’s not impossible to find cheap auto insurance in Lowell, Mass.; contact us for comparisons and more information.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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