Cheapest Car Insurance Quotes in Malvern

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Malvern Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Malvern

The car insurance rate in Malvern is $790 for a six-month policy, which is $91 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Malvern can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Malvern

$790

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Malvern

1st place: West Bend Mutual

At $416 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $470 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $497 for six months, making it the third cheapest auto insurance company in Malvern.

Malvern Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Malvern, IA is West Bend Mutual, offering policies at just $416 for a six-month term. This is followed by Grange, which has an average six-month premium of $470.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1550 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Malvern drivers find the best deals.

Cheap Car Insurance Companies in Malvern, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$416	$69
Grange	$470	$80
Travelers	$497	$84
Auto-Owners Insurance Co	$504	$86
Hastings Mutual	$516	$86
Westfield	$550	$94
IMT Insurance Company	$571	$95
State Farm	$678	$114
American Family	$698	$118
USAA	$745	$125
Pekin	$758	$127
Progressive	$765	$129
Auto-Owners	$927	$155
Farm Bureau Mutual (IA Group)	$933	$158
Farm Bureau	$1048	$174
Nationwide	$1242	$211
Grinnell Mutual	$1356	$226
Allstate	$1550	$261

Key Takeaways

Way's key takeaways about car insurance in Malvern

The auto insurance costs in Malvern fall around $416 for six months.
The cheapest auto insurance company in Malvern is Pekin.
Teen drivers pay the highest rate in Malvern at $668 per month.

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Cheapest Minimum Liability Car Insurance in Malvern

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Malvern are given below.

Pekin provides the cheapest minimum car insurance coverage in Malvern. Their Average 6 Month Premium is $114. West Bend is the most expensive at $141 for the same period.

Cheapest Liability Coverage in Malvern, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$114	$19
Westfield	$121	$20
Hastings Mutual	$128	$21
Progressive	$134	$23
West Bend Mutual	$134	$23
USAA	$141	$24
Grange	$148	$25
State Farm	$148	$25
Farm Bureau Mutual (IA Group)	$162	$27
Auto-Owners Insurance Co	$168	$28
Iowa Farm Bureau	$181	$31
Travelers	$188	$32
Farm Bureau	$194	$33
American Family	$201	$34
Auto-Owners	$215	$36
Grinnell Mutual	$302	$51
Allstate	$443	$75
Nationwide	$470	$80
West Bend	$141	$24

Cheapest Full Coverage Car Insurance in Malvern

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Malvern is West Bend Mutual at $69 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Malvern, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$416	$69
Grange	$470	$80
Travelers	$497	$84
Auto-Owners Insurance Co	$504	$86
Hastings Mutual	$516	$86
Westfield	$550	$94
IMT Insurance Company	$571	$95
State Farm	$678	$114
American Family	$698	$118
USAA	$745	$125
Pekin	$758	$127
Progressive	$765	$129
Auto-Owners	$927	$155
Farm Bureau Mutual (IA Group)	$933	$158
Farm Bureau	$1048	$174
Nationwide	$1242	$211
Grinnell Mutual	$1356	$226
Allstate	$1550	$261

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Average Car Insurance in Malvern by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Malvern, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Malvern, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Malvern's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Malvern

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Malvern,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Malvern at $25 per month. At $3927 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Grange	$168	$28
West Bend Mutual	$181	$31
Iowa Farm Bureau	$208	$35
Travelers	$705	$119
USAA	$879	$148
Progressive	$1322	$223
State Farm	$1504	$253
American Family	$1779	$299
Farm Bureau	$2289	$382
Farm Bureau Mutual (IA Group)	$2518	$428
Auto-Owners	$2564	$427
Grinnell Mutual	$3048	$519
Allstate	$3356	$565
Nationwide	$3927	$668

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Malvern, Grange is the cheapest car insurance provider. At $194 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Malvern is Grinnell Mutual, offering rates of around $2383 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$194	$33
Westfield	$235	$40
West Bend Mutual	$242	$41
Travelers	$262	$44
Progressive	$758	$128
American Family	$872	$147
State Farm	$1624	$273
Nationwide	$1772	$302
Farm Bureau	$1806	$301
Allstate	$2349	$400
Auto-Owners	$2370	$394
Grinnell Mutual	$2383	$406

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Car Insurance Rates with An Accident in Malvern

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Malvern, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Malvern

The cheapest car insurance companies after an at-fault accident in Malvern include Hastings Mutual and Pekin, offering $128 and $155, respectively. Allstate is an expensive provider with an average six-month premium of $2128.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$128	$21
Pekin	$155	$26
Western National	$201	$34
Westfield	$201	$34
Grange	$228	$38
Auto-Owners Insurance Co	$235	$40
West Bend Mutual	$235	$40
State Farm	$490	$82
Travelers	$504	$85
Progressive	$712	$120
Grinnell Mutual	$806	$136
American Family	$927	$156
USAA	$1034	$172
Auto-Owners	$1215	$207
Farm Bureau Mutual (IA Group)	$1376	$229
Farm Bureau	$1705	$290
Nationwide	$1973	$329
Allstate	$2128	$358

Malvern Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Malvern IA. For example, the car insurance in Malvern after a DUI increases to $804 for a six month policy. While the rate increases by $114 for a six-month policy in the case of a speeding ticket.

Malvern auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$947	$158
One Med/PIP claim	$959	$163
Not-at-fault accident	$986	$165
One comp claim	$1014	$173
Two Med/PIP claims	$1041	$173
Child safety restraint	$1061	$181
Failure to show documents	$1061	$176
Failure to wear a seat belt	$1061	$181
Speeding 6 - 10 MPH over limit	$1061	$176
Two comp claims	$1061	$181
Driving without lights	$1067	$177
Driving with expired registration	$1094	$186
Failure to yield	$1094	$182
Illegal turn	$1094	$186
Failure to stop at a red light	$1101	$183
Wrong way/wrong lane	$1107	$189
Cell phone violation	$1114	$185
Driving too slowly	$1114	$190
Speeding 11 - 15 MPH over limit	$1114	$185
Texting while driving	$1114	$190
Speeding 16 - 20 MPH over limit	$1121	$186
Speeding in school zone	$1135	$193
Improper passing	$1141	$190
Following too closely	$1148	$195
At-fault accident - less than $1000	$1168	$194
Passing school bus	$1188	$202
Operating a vehicle without permission	$1249	$208
At-fault accident - $1000-$2000	$1269	$216
Speeding 21 - 25 MPH over limit	$1269	$211
At-fault accident - greater than $2000	$1276	$217
In 65 MPH zone	$1363	$227
Open container	$1436	$244
Racing	$1618	$270
Driving with a suspended license	$1651	$280
Reckless driving	$1692	$281
Refusal to submit to a chemical test	$1719	$293
DUI	$1751	$292
Leaving scene of an accident/hit and run	$1772	$302

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Malvern after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Malvern.

The cheapest car insurance premiums in Malvern are offered by Western National at $201 for a six-month policy. However, it can be as expensive as $2625 with companies like Grinnell Mutual.

Malvern car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$201	$34
Grange	$262	$44
Travelers	$262	$44
West Bend Mutual	$262	$44
Progressive	$504	$85
State Farm	$584	$98
American Family	$959	$162
Allstate	$2061	$350
Auto-Owners	$2194	$366
Farm Bureau	$2289	$389
Nationwide	$2457	$409
Grinnell Mutual	$2625	$446

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Malvern are offered by Westfield at $148. However, it can be as expensive as $1719 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Malvern after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
West Bend Mutual	$174	$29
Western National	$201	$34
Iowa Farm Bureau	$221	$37
Travelers	$221	$37
Grange	$228	$38
State Farm	$383	$64
Progressive	$564	$95
American Family	$678	$114
Farm Bureau	$1283	$214
Grinnell Mutual	$1356	$231
Nationwide	$1557	$260
Auto-Owners	$1611	$273
Allstate	$1719	$286

Car Insurance Price Trends in Malvern, Iowa

Car insurance rates in Malvern have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Malvern remained steady at $158 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Malvern remained steady at $33 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Malvern?

The car insurance in Malvern is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Malvern?

The cheapest car insurance in Malvern is $69 per month for full coverage.

How much is car insurance in Malvern for teenagers?

Car insurance for teenagers costs $148 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Malvern?

The average cost of car insurance is $699 for a six-month policy. It will cost around $132 per month to insure your car in Malvern.

Is car insurance expensive in Malvern?

Car insurance can be expensive in Malvern if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Malvern can be affordable.

Cheapest Car Insurance Quotes in Malvern

Why you can trust Way?

How Much Is Car Insurance in Malvern

Avg. Car Insurance in Malvern

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Malvern

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Malvern Car Insurance Rates by Company

Cheap Car Insurance Companies in Malvern, IA

Way's key takeaways about car insurance in Malvern

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Malvern

Cheapest Liability Coverage in Malvern, IA

Cheapest Full Coverage Car Insurance in Malvern

Cheapest Full Coverage Car Insurance Quotes in Malvern, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Malvern by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Malvern, IA increasing?

Car Insurance Premiums by Age in Malvern

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Malvern,IA

If you are in your twenties N/A is the best choice for car insurance in Malvern.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Malvern

Cheapest Car Insurance Companies after an At-Fault Accident in Malvern

Malvern Car Insurance Rates by Violation

Malvern auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Malvern after a DUI

Malvern car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Malvern after Speeding ticket

Car Insurance Price Trends in Malvern, Iowa

Average Car Insurance Cost in Malvern by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Malvern, IA

Car Insurance Rates by State in the USA (2025 Update)

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