Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.