Compare Waltham, MA Car Insurance Rates (2021)

Car insurance in Waltham, MA averages $267 a month. Waltham, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Waltham car insurance rates, compare quotes from the top car insurance companies in Waltham, MA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Waltham for teen drivers is State Farm
  • The cheapest ZIP code in Waltham is 2451
  • The cheapest car insurance company in Waltham is State Farm

If you need to buy Waltham, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Waltham, MA is right here.

You’ll find Waltham car insurance rates, the cheapest Waltham, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Waltham, Massachusetts car insurance rates to Brockton car insurance rates, Lynn car insurance rates, and Springfield car insurance rates.

Ready to find affordable Waltham, MA car insurance today? Enter your ZIP code for fast, free Waltham car insurance quotes.

Cheapest Waltham, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Waltham, MA car insurance rates? Every Waltham, Massachusetts car insurance company weighs these factors differently, so check out the comparison 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

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Minimum Car Insurance in Waltham, MA

Every driver must carry the minimum car insurance in Waltham, MA. Take a look at the Massachusetts car insurance requirements.

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

Cheapest Waltham, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Waltham, MA to rates for a clean record with top companies.

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

Cheapest Waltham, MA Car Insurance for Teen Drivers

Teen car insurance in Waltham, MA can be expensive. Take a look at rates from the top car insurance companies in Waltham for teenagers.

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

Cheapest Waltham, MA Car Insurance for Seniors

Take a look at Waltham, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Waltham, MA Car Insurance Rates After a DUI

A DUI in Waltham, MA increases car insurance rates. Compare Waltham, Massachusetts DUI car insurance by company to find the cheapest option.

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

Cheapest Waltham, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Waltham, MA by commute? Take a look at a comparison of the top companies by commute length.

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

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Cheapest Waltham, MA Car Insurance Rates by ZIP Code

Waltham car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Waltham, MA.

Annual Car Insurance Rates by ZIP Code in Waltham, Massachusetts

ZIP Code Average Annual Rates
2451 $3,199
2452 $3,199
2453 $3,199

The Best Cheap Car Insurance Companies in Waltham, MA

Take a look at a side-by-side comparison of the top car insurance companies in Waltham, MA to find the best option for 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

Category Winners: Cheapest Car Insurance in Waltham, Massachusetts

Find the cheapest car insurance companies in Waltham, MA for each category right here.

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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Cheapest Waltham, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Waltham car insurance rates. Find the cheapest Waltham, MA car insurance rates by coverage level.

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

What affects car insurance rates in Waltham, Massachusetts?

What factors can have an impact on Waltham, MA car insurance? There are several reasons why Waltham car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Waltham, Massachusetts.

Commute Time in Waltham

The more time you spend in your car the higher the risk of an accident. The average commute length in Waltham, MA is 25.8 minutes according to City-Data.

Compare Car Insurance Quotes in Waltham, MA

Ready to find affordable Waltham, Massachusetts car insurance today? Enter your ZIP code for fast, free Waltham, MA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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