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Lowell Car Insurance Resources

Lowell, MA Car Insurance

Cars Insured in Lowell

^ There are an estimated 69,240 vehicles currently insured in Lowell. [1]

Car Insurance Rates in Lowell

^ From 2006 to 2010, Massachusetts cities had the 11th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Lowell

^ There are an estimated 3,429 uninsured motorists driving in Lowell. [3]

MA Car Insurance

Lowell Car Insurance

Car Insurance Liability Requirements in Lowell

  • Minimum Liability Limits in Lowell: 20/40/5 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Lowell

Required Car Insurance Coverage in Lowell
  • Lowell Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Lowell

  • Insurer Verification of Auto Insurance in Lowell [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Lowell Car Insurance Facts, Estimates & Related Laws

Lowell Car Insurance Stats

Lowell Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Lowell
    • Based on historical and current data, 69,240 cars are currently insured in Lowell. [5]
    • Massachusetts cities collectively ranked 16th in the nation in auto insurance policies in 2011 with a total of 4,256,127. [1]
  • Uninsured Motorist Rate in Lowell
    • Based on historical and current data, Lowell has an estimated 3,429 uninsured drivers. [6]
    • Massachusetts cities collectively had the 50th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Lowell
    • Massachusetts cities collectively had the 12th highest auto insurance rates in the nation in 2010. [2]

Lowell Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers and passenger bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Lowell Automotive Laws

  • Minimum Driving Age in Lowell [9]
    • Lowell, MA minimum driving age: 16 years.
  • Driver's License Renewal Cycle in Lowell
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Lowell
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Lowell
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 13+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]

Massachusetts Car & Driver Facts

Massachusetts Auto Registrations

Massachusetts Car & Driver Facts
  • Auto Registrations in MA [8]
    • Registered Cars: 3,180,009
    • Registered Trucks: 2,344,721
    • Registered Motorcycles: 159,007
    • Total Registrations: 5,695,327
    • Rank: Massachusetts ranked 15th in the United States in total auto registrations in 2011.

Massachusetts Automotive Facts

  • Speed Limits in MA
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Massachusetts Motor Fuel Consumption
    • Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011. [10]

Massachusetts Licensed Drivers

  • Licensed Drivers in MA [11]
    • Female Drivers: 2,369,052
    • Male Drivers: 2,314,271
    • Total Drivers: 4,683,323
    • Rank: 15th highest in the U.S.

Additional information about Lowell, MA

About Lowell

Lowell (Massachusetts) is a city with a population of 106,519 [12] that is located in Middlesex County.

MA Car Insurance

More about Lowell auto insurance

For more information about Lowell car insurance, or for additional resources regarding Massachusetts car insurance overall, visit the Massachusetts Department of Insurance.

Did you know?

Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in MA