Cheapest Car Insurance Quotes in Malden

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401,895 Policies Sold

Malden Car Insurance

^$ 25

/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 Malden

The car insurance rate in Malden is $2267 for a six-month policy, which is $735 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $660, making it a popular choice for budget-conscious drivers. Rates in Malden 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 Malden

$2267

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Malden

1st place: Safety Group

At $660 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $774 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $984 for six months, making it the third cheapest auto insurance company in Malden.

Malden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Malden, MA is Safety Group, offering policies at just $660 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $774.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $7350 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Malden drivers find the best deals.

Cheap Car Insurance Companies in Malden, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$660	$110
Vermont Mutual	$774	$132
Safety	$984	$164
American Family	$1107	$186
Hanover	$1222	$206
Arbella	$1240	$210
State Farm	$1345	$226
Norfolk & Dedham	$1477	$252
Farmers	$1555	$259
Norfolk & Dedham Mutl Fire Ins	$1564	$266
Travelers	$1749	$292
Plymouth Rock	$2031	$342
Progressive	$2954	$497
USAA	$3947	$665
Allstate	$6339	$1067
Amica Mutual	$7350	$1249

Key Takeaways

Way's key takeaways about car insurance in Malden

The auto insurance costs in Malden fall around $660 for six months.
The cheapest auto insurance company in Malden is State Farm.
Teen drivers pay the highest rate in Malden at $1141 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Malden

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 Malden are given below.

State Farm provides the cheapest minimum car insurance coverage in Malden. Their Average 6 Month Premium is $149. Allstate is the most expensive at $676 for the same period.

Cheapest Liability Coverage in Malden, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$149	$25
Safety Group	$212	$36
Vermont Mutual	$221	$37
American Family	$263	$44
Hanover	$299	$50
Plymouth Rock	$326	$55
Amica Mutual	$352	$59
Chubb	$352	$59
USAA	$377	$64
Norfolk & Dedham Mutl Fire Ins	$386	$65
Farmers	$404	$68
Safety	$422	$71
Norfolk & Dedham	$431	$73
The Hanover	$431	$73
Amica	$440	$74
Arbella	$457	$78
Travelers	$484	$81
Progressive	$651	$110
Allstate	$676	$112

Cheapest Full Coverage Car Insurance in Malden

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 Malden is Safety Group at $110 per month and $660 for six months.

Cheapest Full Coverage Car Insurance Quotes in Malden, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$660	$110
Vermont Mutual	$774	$132
Safety	$984	$164
American Family	$1107	$186
Hanover	$1222	$206
Arbella	$1240	$210
State Farm	$1345	$226
Norfolk & Dedham	$1477	$252
Farmers	$1555	$259
Norfolk & Dedham Mutl Fire Ins	$1564	$266
Travelers	$1749	$292
Plymouth Rock	$2031	$342
Progressive	$2954	$497
USAA	$3947	$665
Allstate	$6339	$1067
Amica Mutual	$7350	$1249

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Average Car Insurance in Malden 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 Malden, MA increasing?

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

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

Car Insurance Premiums by Age in Malden

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$531
30s	State Farm	$429
40s	State Farm	$429
50s	State Farm	$429
60s	State Farm	$379
70s	State Farm	$327

Cheapest Car Insurance Rates for Teen Drivers in Malden,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Malden at $38 per month. At $6707 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$228	$38
Vermont Mutual	$246	$41
Hanover	$281	$47
American Family	$308	$52
Safety	$395	$67
Farmers	$457	$78
State Farm	$660	$111
Plymouth Rock	$1055	$178
USAA	$1618	$272
Amica Mutual	$3588	$610
Progressive	$4518	$753
Allstate	$6707	$1141

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Malden.

As young drivers face the highest rates in Malden, State Farm offers the cheapest auto insurance rates at $531 for six months.

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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Malden.

Car Insurance Rates with An Accident in Malden

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 Malden, MA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Malden include American Family and Safety Group, offering $361 and $404, respectively. Allstate is an expensive provider with an average six-month premium of $3024.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$61
Safety Group	$404	$68
Vermont Mutual	$413	$70
State Farm	$440	$74
Norfolk & Dedham	$694	$115
The Hanover	$747	$127
Plymouth Rock	$808	$136
Arbella	$1011	$170
Safety	$1064	$179
USAA	$1231	$207
Travelers	$1635	$275
Hanover	$1662	$280
Progressive	$1872	$315
Amica Mutual	$1961	$333
Farmers	$2865	$478
Allstate	$3024	$514

Malden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Malden MA. For example, the car insurance in Malden after a DUI increases to $1100 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Malden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1169	$195
One Med/PIP claim	$1169	$198
Not-at-fault accident	$1205	$201
One comp claim	$1205	$204
Two Med/PIP claims	$1205	$201
Two comp claims	$1248	$212
At-fault accident - less than $1000	$1292	$216
Child safety restraint	$1336	$228
Driving without lights	$1336	$222
Failure to wear a seat belt	$1354	$231
Cell phone violation	$1450	$241
Texting while driving	$1450	$247
Driving too slowly	$1459	$243
Failure to stop at a red light	$1459	$249
Failure to yield	$1459	$243
Following too closely	$1459	$249
Illegal turn	$1459	$243
Improper passing	$1459	$249
Speeding 11 - 15 MPH over limit	$1459	$243
Speeding 16 - 20 MPH over limit	$1459	$249
Speeding 6 - 10 MPH over limit	$1459	$243
Speeding in school zone	$1459	$249
Wrong way/wrong lane	$1459	$243
In 65 MPH zone	$1468	$250
Speeding 21 - 25 MPH over limit	$1468	$244
Operating a vehicle without permission	$1477	$252
Passing school bus	$1539	$256
At-fault accident - $1000-$2000	$1812	$308
Failure to show documents	$1846	$308
At-fault accident - greater than $2000	$1854	$315
Driving with expired registration	$1863	$311
Open container	$1970	$334
Reckless driving	$2127	$355
Refusal to submit to a chemical test	$2171	$369
Driving with a suspended license	$2260	$376
Racing	$2260	$385
DUI	$2269	$377
Leaving scene of an accident/hit and run	$2294	$391

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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 Malden 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 Malden.

The cheapest car insurance premiums in Malden are offered by American Family at $440 for a six-month policy. However, it can be as expensive as $3753 with companies like Allstate.

Malden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$440	$74
Safety Group	$484	$83
Vermont Mutual	$502	$83
State Farm	$536	$90
Plymouth Rock	$975	$164
Progressive	$1073	$181
Hanover	$1363	$229
Arbella	$1477	$249
USAA	$2093	$352
Safety	$2189	$371
Amica Mutual	$2559	$426
Travelers	$2682	$456
Farmers	$3323	$554
Allstate	$3753	$638

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 Malden are offered by State Farm at $194. However, it can be as expensive as $2312 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Malden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$194	$33
Safety Group	$255	$43
Vermont Mutual	$290	$49
American Family	$361	$61
Plymouth Rock	$870	$147
Safety	$1231	$209
Arbella	$1240	$207
USAA	$1274	$216
Hanover	$1521	$256
Progressive	$1627	$277
Farmers	$1961	$327
Travelers	$2312	$394

Car Insurance Price Trends in Malden, Massachusetts

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

The average cost of full coverage in the Malden remained steady at $323 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Malden remained steady at $64 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 Malden?

The car insurance in Malden is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Malden?

The cheapest car insurance in Malden is $110 per month for full coverage.

How much is car insurance in Malden for teenagers?

Car insurance for teenagers costs $228 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 Malden?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $382 per month to insure your car in Malden.

Is car insurance expensive in Malden?

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

Cheapest Car Insurance Quotes in Malden

Why you can trust Way?

How Much Is Car Insurance in Malden

Avg. Car Insurance in Malden

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Malden

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Malden Car Insurance Rates by Company

Cheap Car Insurance Companies in Malden, MA

Way's key takeaways about car insurance in Malden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Malden

Cheapest Liability Coverage in Malden, MA

Cheapest Full Coverage Car Insurance in Malden

Cheapest Full Coverage Car Insurance Quotes in Malden, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Malden by Rating Factor

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

Car Insurance Premiums by Age in Malden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Malden,MA

If you are in your twenties State Farm is the best choice for car insurance in Malden.

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 Malden

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

Malden Car Insurance Rates by Violation

Malden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Malden after a DUI

Malden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Malden after Speeding ticket

Car Insurance Price Trends in Malden, Massachusetts

Average Car Insurance Cost in Malden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Malden, MA

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

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