Waltham Auto Insurance Rates, Quotes, Agents & Reviews in MA

Waltham, MA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Waltham, MA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Low Cost Car Insurance in Waltham, MA

As a driver in Waltham, MA, it is essential to have car insurance. This protection can help cover the costs of repairs or medical bills if you are involved in an accident. Car insurance can also provide peace of mind in knowing that you and your vehicle are protected. The average cost of car insurance in Waltham, MA, is $1,120. To get the best car insurance coverage, shopping around and comparing rates from different insurers is important. Make sure to get quotes for the same coverage to compare apples-to-apples. You should also consider the insurer's reputation and the company's financial stability. Once you have found the right car insurance policy for your needs, keep your coverage updated. This means keeping your insurance card in your car and updating your insurer of any changes to your driving record or vehicle. By following these tips, you can be sure that you and your car are protected on the roads of Waltham, MA. Here are a few tips to help you get the most affordable car insurance in Waltham, MA.

Credit History

Insurance companies use credit scores to help them determine how likely a customer is to file a claim. A higher credit score means you are less likely to file a claim so you will get a lower insurance rate. A lower credit score means you are more likely to file a claim, so that you will get a higher insurance rate. In Waltham, Massachusetts, car owners with exceptional credit scores have to pay $961, while those with poor credit must pay $1,827. Auto owners in Waltham, Massachusetts, must have solid credit ratings to qualify for discounts on their auto insurance rates.

Age of the Driver

In Waltham, MA, the driver's age is one of the main factors that insurers look at when setting rates. There are several reasons why car insurance rates are lower for older drivers. For one, older drivers are generally more experienced and pose less risk on the road. In addition, they are also more likely to have established a good credit history, which can further lower their rates. For instance, teenage drivers in Waltham, Massachusetts, pay $3,634,  while drivers over the age of 40 pay $1,066 for auto insurance.

Driving Violations

Insurance companies use statistics to determine how likely a driver is to have an accident, and rates are based on those odds. Drivers with violations on their record are considered a higher risk, and their rates will be higher. While a speeding ticket may not seem like a big deal, it can significantly impact your car insurance rates. A single ticket can increase your rates by 20% or more. If you have multiple violations or more serious offences, such as DUI, your rates could increase by as much as 50%. For instance, if a driver runs a red light or drives with An expired/suspended license, the total cost of auto insurance in Waltham, Massachusetts, will increase by +$261 and +$755, respectively.

Factors that can influence the cost of car insurance in Waltham, MA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Waltham, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Waltham, MA with that of other cities in and around Waltham.

Waltham Lexington Watertown Town Newton Weston Arlington
Average Insurance Rates $1,120 $1,480 $1,356 $1,089 $1,622 $1,392

Waltham, MA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Waltham, MA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Waltham $1,915 $1,617
Belmont $1,403 $1,185
Watertown Town $3,499 $2,955
Weston $1,945 $1,643
Lexington $2,133 $1,802
Newton $1,879 $1,587
Lincoln $2,130 $1,799
Arlington $1,434 $1,211

Waltham, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Waltham, MA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,634
20 Years $1,439
30 Years $1,108
40 Years $1,066
50 Years $988
60 Years $1,001
70 Years $1,166

Waltham, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Waltham, MA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,949 $291
3 Vehicles $2,923 $437
4 Vehicles $3,898 $582

Savings on 2 Vehicles bundle:$291

Savings on 3 Vehicles bundle:$437

Savings on 4 Vehicles bundle:$582

Waltham, MA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Waltham, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Waltham $1,120 $2,028
Belmont $1,459 $2,642
Watertown Town $1,356 $2,455
Weston $1,622 $2,937
Lexington $1,480 $2,680
Newton $1,089 $1,972
Lincoln $1,488 $2,694
Arlington $1,392 $2,520

Waltham, MA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $961
Excellent (740-799) $1,097
Good (670-739) $1,167
Average (580-669) $1,523
Poor (300-579) $1,827

Waltham, MA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Bates Insurance Agency None 92 High Street, Suite B1 , Medford, 2155 (781)218-3238
Wayside Insurance Agency Inc Liberty Mutual Independent 60 NICHOLAS RD, FRAMINGHAM, 1701 (508) 877-5010
Cabot Risk Strategies Llc Liberty Mutual Independent 15 CABOT RD, WOBURN, 1801 (800) 222-5963
Cabot Risk Strategies Llc Liberty Mutual Independent 15 CABOT RD, WOBURN, 1801 (800) 222-5963
Olde Bay Insurance Agency None 6 City Square, Boston, 2129 None
Boynton Insurance Agency Inc Liberty Mutual Independent 72 RIVER PARK ST, NEEDHAM, 2494 781-449-6786
Fair & Yeager Insurance Agency None 10 Main Street, Natick, 1760 (508)213-4501
Mcglynn Insurance Agency Inc Liberty Mutual Independent 365 BOSTON POST RD STE 208, SUDBURY, 1776 (978) 443-6530
Allston Insurance Agency None 1065 Commonwealth Ave, Boston, 2215 None
Spring Insurance Group Llc Travelers 84 STATE ST STE 500, BOSTON, 2109 617-589-0930

Waltham, MA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$49 $1,169
Driver's Failure In Showing Documents +$109 $1,229
Driving With An Expired Registration +$115 $1,235
Driving At A Considerably Slow Pace +$243 $1,363
Using A Cellphone While Driving +$256 $1,376
Running A Red Light +$261 $1,381
Speeding +$274 $1,394
Driving A Vehicle Without The Required Permission +$348 $1,468
Driving With An Expired/Suspended License +$755 $1,875

Waltham, MA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,075
Active Disabling Device $1,075
Tracking Device $1,053
Passive Disabling Device $1,042

Latest Auto Insurance Reviews in Waltham, MA | Back to Top

I use progressive because it fits within my budget for the type of insurance coverage that I desire.
a rating of 5 also low premiums low deductables great customer service, you can always get a live person to speak to when you call in
I have pretty good coverage for my cars. I have four cars that i share with my family members and purchase full coverage for newer cars and liability & UM for older cars