Cheap Auto Insurance Quotes in Malden, MA (January 2022)

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Last Updated: January 2022

Car Insurance in Malden, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Malden, MA to find you the cheapest quotes in the area.
$108
$140
$248
AllstateGEICOTravelers

Cheapest Car Insurance in Malden, MA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$151
$137
$158
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$134
$165
MassachusettsBostonWorcesterSpringfieldLowellMalden
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Malden, MA Driving Facts

massachusetts

Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements. 

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Find local Malden agents

J. Mallon Insurance, LLC.
1 Centre St, Malden, MA 02148
Lister Insurance 
963 Eastern Avenue, Malden, MA 02148
Multi-Line Insurance Agency
199 Main Street, Malden, MA 02148
Supino Insurance Agency Inc
1012 Eastern Ave, Malden, MA 02148
Paul T Murphy Insurance Agency Inc
628 Broadway, Malden, MA 02148
Derek Witham Insurance Agency
269 Broadway, Malden, MA 02148
Matthews Insurance Agency Inc
169 Pleasant Street, Malden, MA 02148
Orndorff Family Insurance
90 Eastern Ave, Malden, MA 02148
Avanti Insurance Agency, Inc.
17 Charles St, Malden, MA 02148
BRZ Insurance Agency
424 Salem St, Malden, MA 02148

Insurify Insights: How Malden Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Malden, MA
suspended licenses
#37
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Malden drivers measure up to their fellow Massachusetts motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Malden

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Malden drivers rank 10 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #10
  • Percent of drivers in Malden with an accident: 13.74%
  • Drivers in Malden, MA with an accident in their driving history paid on average 11.63% more than drivers with a clean record

Speeding in Malden

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Malden drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Malden with a speeding ticket: 5.85%
  • Drivers in Malden, MA with a speeding ticket in their driving history paid on average -88.84% more than drivers with a clean record

DUI/DWIs in Malden

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Malden drivers rank 19 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #19
  • Percent of drivers in Malden with a DUI: 0.76%
  • Drivers in Malden, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Malden

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Malden is the Toyota Corolla.

Hybrid/Electric Vehicle Ownership in Malden

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Malden drivers rank 8 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #8
  • Percent of drivers in Malden with a hybrid/electric vehicle: 1.69%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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