Affordable Car Insurance Rates in Waltham, MA (2024)
Car insurance rates in Waltham, MA are $267/month on average. By law, Massachusetts drivers need to carry at least 20/40/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Waltham car insurance companies to get the coverage you need at the best rates available.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Waltham for teen drivers is State Farm
- The cheapest car insurance company in Waltham after a DUI is State Farm
- Average car insurance rates in Waltham, MA for senior drivers are $2,001/year
Average car insurance rates in Waltham, Massachusetts are $267 a month. But with a little research you can get a great deal from the top car insurance companies in Waltham, MA. Before you buy Waltham, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.
It may even be helpful to compare Waltham car insurance rates with New Bedford car insurance rates, Quincy car insurance rates, or Cambridge car insurance rates to make sure you’re getting the best Waltham, MA car insurance quotes available.
Need affordable Waltham, MA car insurance? Enter your ZIP code to compare Waltham car insurance quotes from multiple car insurance companies near you.
Waltham, MA Minimum Car Insurance Coverage
Waltham, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.
Minimum Required Car Insurance Coverage in Waltham, Massachusetts
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Waltham, MA Car Insurance Rates by Coverage Level
Some Waltham drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your Waltham, Massachusetts car insurance rates may be based on the coverage you need.
Annual Car Insurance Rates by Coverage Level in Waltham, Massachusetts
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,622 | $3,994 | $4,163 |
| Geico | $2,708 | $3,000 | $3,127 |
| Liberty Mutual | $4,333 | $4,697 | $4,880 |
| Progressive | $3,419 | $3,802 | $3,970 |
| State Farm | $1,348 | $1,511 | $1,596 |
| Travelers | $3,280 | $3,725 | $3,927 |
| USAA | $1,879 | $2,062 | $2,142 |
Waltham, MA Car Insurance Rates by Age, Gender, and Marital Status
Waltham, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Waltham, MA car insurance, get quotes from multiple car insurance companies in the Waltham area and see how these criteria affect your rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Waltham, Massachusetts
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,370 | $2,370 | $2,370 | $2,370 | $8,299 | $8,299 | $2,665 | $2,665 |
| Geico | $2,047 | $2,047 | $1,899 | $1,899 | $5,723 | $5,723 | $2,111 | $2,111 |
| Liberty Mutual | $3,009 | $3,009 | $2,622 | $2,622 | $9,767 | $9,767 | $3,149 | $3,149 |
| Progressive | $2,180 | $2,180 | $2,093 | $2,093 | $8,287 | $8,287 | $2,361 | $2,361 |
| State Farm | $1,000 | $1,000 | $1,000 | $1,000 | $2,941 | $2,941 | $1,000 | $1,000 |
| Travelers | $2,880 | $2,880 | $2,550 | $2,550 | $5,942 | $5,942 | $3,205 | $3,205 |
| USAA | $1,492 | $1,492 | $1,470 | $1,470 | $3,499 | $3,499 | $1,649 | $1,649 |
Waltham, MA Car Insurance Rates for Teens
How much is Waltham, Massachusetts car insurance for teens? Compare rates from top Waltham car insurance companies below to help find the cheapest teen car insurance in Waltham, MA.
Annual Car Insurance Rates for Teen Drivers in Waltham, Massachusetts
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,299 | $8,299 |
| Geico | $5,723 | $5,723 |
| Liberty Mutual | $9,767 | $9,767 |
| Progressive | $8,287 | $8,287 |
| State Farm | $2,941 | $2,941 |
| Travelers | $5,942 | $5,942 |
| USAA | $3,499 | $3,499 |
Waltham, MA Car Insurance Rates for Seniors
Before seniors buy Waltham, Massachusetts car insurance, they should make sure to shop around. Some Waltham, MA car insurance companies may offer discounts or other savings options for senior car insurance.
Annual Car Insurance Rates for Senior Drivers in Waltham, Massachusetts
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,370 | $2,370 |
| Geico | $1,899 | $1,899 |
| Liberty Mutual | $2,622 | $2,622 |
| Progressive | $2,093 | $2,093 |
| State Farm | $1,000 | $1,000 |
| Travelers | $2,550 | $2,550 |
| USAA | $1,470 | $1,470 |
Waltham, MA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Waltham, Massachusetts car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Waltham.
Annual Waltham, Massachusetts Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,033 | $4,535 | $5,104 | $3,033 |
| Geico | $2,355 | $3,241 | $3,698 | $2,484 |
| Liberty Mutual | $3,655 | $4,990 | $5,999 | $3,903 |
| Progressive | $3,134 | $4,418 | $3,504 | $3,866 |
| State Farm | $1,180 | $1,601 | $1,900 | $1,261 |
| Travelers | $2,836 | $3,935 | $4,198 | $3,607 |
| USAA | $1,442 | $1,874 | $3,181 | $1,613 |
Waltham, MA Car Insurance Rates With a DUI
Even a single DUI can increase your Waltham, MA car insurance rates. Compare rates below to see which Waltham car insurance company has the best rates for drivers with a DUI.
Annual Car Insurance Rates After a DUI in Waltham, Massachusetts
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,104 |
| Geico | $3,698 |
| Liberty Mutual | $5,999 |
| Progressive | $3,504 |
| State Farm | $1,900 |
| Travelers | $4,198 |
| USAA | $3,181 |
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Waltham, MA Car Insurance Rates by ZIP Code
Just like Waltham car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Waltham, MA car insurance rates fluctuate by ZIP code.
Annual Car Insurance Rates by ZIP Code in Waltham, Massachusetts
| ZIP Code | Average Annual Rates |
|---|---|
| 2451 | $3,199 |
| 2452 | $3,199 |
| 2453 | $3,199 |
Waltham, MA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Waltham, MA car insurance rates may be. Let’s take a look at average car insurance rates from top Waltham companies based on commute time.
Annual Car Insurance Rates by Commute Length in Waltham, Massachusetts
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,797 | $4,055 |
| Geico | $2,890 | $3,000 |
| Liberty Mutual | $4,455 | $4,819 |
| Progressive | $3,730 | $3,730 |
| State Farm | $1,450 | $1,521 |
| Travelers | $3,473 | $3,815 |
| USAA | $1,972 | $2,084 |
Waltham, MA Cheapest Car Insurance Rates
How do the top Waltham, Massachusetts car insurance companies’ average rates stack up against the Waltham average monthly car insurance rates of $267? Take a look and see.
Best Annual Car Insurance Rates by Company in Waltham, Massachusetts
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Waltham, MA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Waltham, Massachusetts car insurance companies to help you find one that best fits your needs.
Average Annual Car Insurance Rates by Company in Waltham, Massachusetts
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,926 |
| Geico | $2,945 |
| Liberty Mutual | $4,637 |
| Progressive | $3,730 |
| State Farm | $1,485 |
| Travelers | $3,644 |
| USAA | $2,028 |
Other Factors Affecting Waltham, MA Car Insurance Rates
Before you buy Waltham, Massachusetts car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Waltham, MA Commute Time
How does your Waltham, MA commute time compare with the average driver? In Waltham, the average commute is 25.8 minutes.
Waltham, MA Car Insurance Quotes
Compare Waltham, MA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.