Car Insurance in Lowell, MA

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Protect Your Vehicle in Lowell

Although the city of Lowell has an estimated population of 113,608. it is in the greater Boston area, which means it only takes about 30 minutes to reach Beantown. It is an emerging college town and home to a younger population, many of whom work in professional occupations.

Lowell is great for residents and tourists who appreciate the arts and culture, and there are various historic attractions. There are also more than five miles of canalways that are popular to hike, bike and walk along.

Overall, driving in Lowell is fairly safe, and there is an average of only four crash fatalities each year. However, winter conditions pose risky situations, as the city experiences frequent snowstorms and gets an average of 56 inches of snow every year. This is one of the reasons it is important to obtain adequate car insurance in Lowell, MA.

The Importance of Car Insurance in Lowell

Not only are weather conditions a good reason to obtain car insurance, but as a busy metro city, traffic is heavy, which increases the chances of accidents. Property damage and injuries become costly if you do not have insurance.

There is an extensive public transportation system around Lowell and to Boston and surrounding areas. However, many people still prefer to have private transportation, and the State of Massachusetts requires that all drivers carry a minimum level of insurance. Use VIU by HUB to find the right policy for your needs.

Massachusetts Car Insurance Requirements

Not only does the state require car insurance in Lowell, MA, but it requires certain types of coverage. At a minimum, all drivers must carry the following:

  • Property Damage
  • Bodily Damage to Others
  • Bodily Damage by Uninsured Drivers and for Hit and Run accidents
  • Personal Injury Protection

Property damage covers you or another driver of your vehicle for property damage caused to another. You must carry a minimum limit of $5,000.

Bodily damage covers injuries sustained from an accident. Damage to others only protects you or the driver of your vehicle, while damage caused by uninsured drivers covers injuries to you or another driver, household members and passengers in your vehicle. You must carry a minimum limit of $20,000 for one person and $40,000 for two or more injured persons.

Personal Injury Protection covers replacement services up to $8,000, up to 75% of lost wages and medical expenses. PIP covers you or another driver, passengers, pedestrians and household members.

Factors Related to the Cost of Car Insurance

The average cost of car insurance in Lowell is $1,039 annually. However, there are many factors involved. If you choose to increase the limits of the above requirements, this will increase your premiums.

VIU by HUB can help you customize with optional policy features you may be able to add. Collision coverage helps pay for damages caused by colliding with another vehicle or object. Comprehensive coverage pays for damage caused by other factors, such as fire, animal contact, theft, falling objects and glass breakage.

Additional optional features include roadside assistance, gap insurance, substitute transportation coverage, pet coverage and accident forgiveness.

Additional factors insurance companies consider when giving you a quote include:

  • Type of vehicle
  • Your age
  • Your driving record
  • Location
  • Where you normally park your vehicle

There are many things to consider when purchasing car insurance in Lowell, MA, and you want to get adequate coverage to minimize your out-of-pocket expenses. Allow us at VIU at HUB to present quotes from multiple insurance companies so you can compare them and find the right one for your needs.

This information is intended for informational purposes only and is not intended to constitute legal advice.


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