Best Cheap Auto Insurance in Waltham, MN (2021)

The average Waltham, MN auto insurance rates are $355 per month. The minimum auto insurance in Waltham is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Waltham, Minnesota, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Waltham is State Farm
  • The most expensive auto insurance company in Waltham for teen drivers is Liberty Mutual
  • The average commute length in Waltham is 25.6 minutes

Waltham, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Waltham can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Waltham, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Waltham to other Minnesota cities, including Bloomington auto insurance rates, Plymouth auto insurance rates, and Rochester auto insurance rates to see how Waltham, Minnesota auto insurance rates stack up.

Before you buy Waltham, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waltham, Minnesota auto insurance quotes.

Minimum Auto Insurance in Waltham, Minnesota

Waltham, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Waltham, Minnesota.

Minimum Required Auto Insurance Coverage in Waltham, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Waltham, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Waltham, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waltham, Minnesota

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 $2,822 $2,822 $2,712 $2,712 $6,487 $9,431 $3,433 $3,611
American Family $2,305 $2,305 $2,084 $2,084 $6,215 $9,079 $2,305 $2,613
Farmers $1,965 $1,958 $1,891 $1,992 $5,553 $5,562 $2,562 $2,489
GEICO $2,399 $2,380 $2,292 $2,228 $5,029 $6,388 $2,248 $2,327
Liberty Mutual $9,135 $9,135 $9,045 $9,045 $17,956 $26,937 $9,135 $12,711
Nationwide $1,786 $1,791 $1,593 $1,687 $4,515 $5,469 $2,092 $2,170
State Farm $1,475 $1,475 $1,314 $1,314 $3,209 $3,974 $1,714 $1,407
USAA $1,674 $1,657 $1,526 $1,524 $4,377 $4,780 $2,174 $2,308

Cheap Waltham, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Waltham, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Waltham, Minnesota.

Annual Auto Insurance Rates for Teen Drivers in Waltham, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,487 $9,431
American Family $6,215 $9,079
Farmers $5,553 $5,562
GEICO $5,029 $6,388
Liberty Mutual $17,956 $26,937
Nationwide $4,515 $5,469
State Farm $3,209 $3,974
USAA $4,377 $4,780

Cheap Waltham, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Waltham, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Waltham, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,712 $2,712
American Family $2,084 $2,084
Farmers $1,891 $1,992
GEICO $2,292 $2,228
Liberty Mutual $9,045 $9,045
Nationwide $1,593 $1,687
State Farm $1,314 $1,314
USAA $1,526 $1,524

Cheap Waltham, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Waltham, Minnesota compared to the annual auto insurance rates with a clean record in Waltham, Minnesota.

Annual Waltham, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,075 $4,480 $5,418 $4,044
American Family $2,439 $4,368 $4,922 $2,766
Farmers $2,561 $3,240 $3,281 $2,904
GEICO $2,098 $3,336 $4,965 $2,248
Liberty Mutual $9,433 $12,953 $18,990 $10,174
Nationwide $2,097 $2,778 $3,194 $2,483
State Farm $1,825 $2,146 $1,985 $1,985
USAA $1,865 $2,369 $3,557 $2,220

Cheap Waltham, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Waltham, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Waltham, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Waltham, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,418
American Family $4,922
Farmers $3,281
GEICO $4,965
Liberty Mutual $18,990
Nationwide $3,194
State Farm $1,985
USAA $3,557

Cheap Waltham, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Waltham, Minnesota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Waltham, Minnesota

Insurance Company Poor Fair Good
Allstate $6,235 $3,386 $3,140
American Family $4,918 $3,293 $2,660
Farmers $3,755 $2,706 $2,528
GEICO $3,796 $3,103 $2,586
Liberty Mutual $17,968 $11,618 $9,076
Nationwide $3,137 $2,531 $2,246
State Farm $2,895 $1,770 $1,291
USAA $3,917 $1,921 $1,670

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Cheap Waltham, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Waltham, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Waltham, Minnesota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Waltham, Minnesota

ZIP Code Average Annual Rates
55982 $3,249

Cheap Waltham, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Waltham, Minnesota auto insurance. Find the cheapest annual Waltham, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Waltham, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,254 $4,254
American Family $3,581 $3,667
Farmers $2,996 $2,996
GEICO $3,120 $3,203
Liberty Mutual $12,510 $13,265
Nationwide $2,638 $2,638
State Farm $1,932 $2,039
USAA $2,470 $2,536

Cheap Waltham, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Waltham, Minnesota? Check out the comparison of annual Waltham, Minnesota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Waltham, Minnesota

Insurance Company Low Medium High
Allstate $4,201 $4,251 $4,310
American Family $3,625 $3,726 $3,520
Farmers $2,890 $3,007 $3,093
GEICO $3,064 $3,160 $3,260
Liberty Mutual $12,579 $12,897 $13,186
Nationwide $2,495 $2,656 $2,763
State Farm $1,905 $1,992 $2,059
USAA $2,433 $2,500 $2,575

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Best By Category: Cheapest Auto Insurance in Waltham, Minnesota

Compare the cheapest auto insurance companies in Waltham, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Waltham, Minnesota

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

The Cheapest Waltham, Minnesota Auto Insurance Companies

What auto insurance companies in Waltham, Minnesota are the cheapest? Compare the top Waltham, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Waltham, Minnesota

Insurance Company Average Annual Rates
Allstate $4,254
American Family $3,624
Farmers $2,996
GEICO $3,162
Liberty Mutual $12,887
Nationwide $2,638
State Farm $1,985
USAA $2,503

What affects auto insurance rates in Waltham, Minnesota?

There are a lot of reasons why auto insurance rates in Waltham, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Waltham, Minnesota. Many local factors may affect your Waltham auto insurance rates.

Waltham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waltham, Minnesota commute length is 25.6 minutes according to City-Data.

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Compare Waltham, Minnesota Auto Insurance Quotes

Before you buy Waltham, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waltham, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

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

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