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Get Cheap Car Insurance in North Waltham, Waltham, MA

We monitor insurance prices, helping the average driver in North Waltham save up to 35.5% on car insurance.

 

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The Cheapest Minimum Coverage in North Waltham

The chart below shows the cheapest car insurance company in North Waltham for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.

 
North Waltham Insurer Monthly Cost
Safety Insurance $40
Geico $44
Midvale Home & Auto $51
Travelers $64

Savings for Every Kind of North Waltham Driver

The table shows how much the average auto insurance customer in North Waltham might save by following our recommendations.

Based on our extensive insurance data, we know the average North Waltham driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $552 per year by choosing the right vehicle insurance company. Some North Waltham residents are paying out over $1,613 extra every year for auto insurance in North Waltham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
North Waltham, Waltham, MA Savings / Yr.
Drivers with good records
$552
Drivers with accidents
$821
Drivers with speeding tickets
$683
Drivers with a DUI conviction
$906
Young drivers
$1,998
Married drivers
$0
Drivers with bad credit
$0

North Waltham Car Insurance vs. Waltham

People living in North Waltham pay an average of 3.88% more than the typical driver in the state. The average driver in North Waltham can expect to pay about $693 per year, or $1,613 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in North Waltham for most people.

Car Insurance Prices by North Waltham Neighborhood

North Waltham, Waltham, MA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within North Waltham?

The map shows insurance prices in and around North Waltham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $137 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,698 to a low of $1,561. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of North Waltham.

Pick the Best Car Insurance Company for You in North Waltham

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the North Waltham insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North Waltham

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $552 over the average North Waltham car insurance company.

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We use the average good driver, paying $89 per month, as our baseline for pricing in North Waltham. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for North Waltham drivers with accidents on their records

In North Waltham getting into an accident will raise premiums an average 32% for a yearly cost of $2,369. That's $755 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Safety Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $821 over the competition.

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The best car insurance company for North Waltham drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $683 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In North Waltham, tickets raise premiums on new quotes about $296. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $1,909 per year.

The best auto insurance for North Waltham drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,685 per year in auto insurance premiums, which was $1,072 more than a driver with no major issues. State Farm, Geico, and Progressive penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $906 less each year.

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The least expensive car insurance company for new and young drivers in North Waltham

In North Waltham, State Farm costs young drivers $1,998 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in North Waltham. With an average cost of $5,629 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Plymouth Rock Assurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in North Waltham

The state of Massachusetts does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in North Waltham for drivers with bad credit

The state of Massachusetts does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best North Waltham car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North Waltham, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in North Waltham.

Nationwide was the best company for customer service in North Waltham according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in North Waltham, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in North Waltham. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in North Waltham

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of North Waltham residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Waltham driver can expect to pay about $85 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Waltham, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around North Waltham

What Influences the Cost of Car Insurance in North Waltham?

On average, car insurance in North Waltham is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in North Waltham is 31 minutes, which is a little less than average for a driver in the city.
  • Massachusetts state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • North Waltham is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in North Waltham is $58 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average North Waltham driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Waltham with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.