Cheap Auto Insurance Quotes in Waltham, MA (January 2022)

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Car Insurance in Waltham, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Waltham, MA to find you the cheapest quotes in the area.
$99
$173
$177
GEICOTravelersLiberty Mutual

Cheapest Car Insurance in Waltham, MA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$148
$137
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$150
MassachusettsBostonWorcesterSpringfieldLowellWaltham
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Waltham, MA Driving Facts

massachusetts

Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements. 

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Insurify Insights: How Waltham Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Waltham, MA
suspended licenses
#17
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Waltham drivers measure up to their fellow Massachusetts motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Waltham

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Waltham drivers rank 22 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #22
  • Percent of drivers in Waltham with an accident: 10.24%
  • Drivers in Waltham, MA with an accident in their driving history paid on average -91.18% more than drivers with a clean record

Speeding in Waltham

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Waltham drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Waltham with a speeding ticket: 7.87%
  • Drivers in Waltham, MA with a speeding ticket in their driving history paid on average 2.94% more than drivers with a clean record

DUI/DWIs in Waltham

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waltham drivers rank 10 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #10
  • Percent of drivers in Waltham with a DUI: 1.18%
  • Drivers in Waltham, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Waltham

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Waltham is the Honda Civic.

Hybrid/Electric Vehicle Ownership in Waltham

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Waltham drivers rank 9 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #9
  • Percent of drivers in Waltham with a hybrid/electric vehicle: 1.64%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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