For a 40-year-old driver with a clean record, car insurance in Malden, MA, averages about $253 a month ($3,036 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 39% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Malden table, at about $190 a month.
Malden has the third-highest full-coverage average of the 16 Massachusetts cities with an InsuranceQuotes guide, about $253 a month for our benchmark driver, and of the 59 Middlesex County places we price, only neighboring Everett costs more, at $260.
Our Malden figures come from its one ZIP code, 02148, which covers the whole city on the Census Bureau’s maps. Melrose, to the north, averages $180 a month and Medford, to the west, $210, while Revere, across the Suffolk County line, costs more, at $283.
Cost data comes from the auto rates insurers file with state regulators, priced in Malden’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Malden averages $3,036 a year, or about $253 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,153 a year ($96 a month), and 50/100/50 liability with comprehensive and collision averages $2,974 ($248 a month).
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Malden table. USAA*, which sells only to military families, is priced from published rate studies at about $174 a month, below Plymouth Rock; we don’t rank it. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $73 a month, followed by GEICO at $83.
Full-coverage averages by insurer in Malden
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $870 | $73 | $2,282 | $190 |
| Progressive | $1,322 | $110 | $2,618 | $218 |
| GEICO | $1,000 | $83 | $2,686 | $224 |
| Safety Insurance | $1,172 | $98 | $3,666 | $306 |
| Arbella | $1,399 | $117 | $3,927 | $327 |
| USAA (military families)* | $917 | $76 | $2,087 | $174 |
| Norfolk & Dedham* | $1,450 | $121 | $3,415 | $285 |
| Amica* | $1,389 | $116 | $3,568 | $297 |
| Travelers* | $1,892 | $158 | $4,058 | $338 |
| Allstate* | $1,882 | $157 | $4,446 | $371 |
| Malden average | $1,153 | $96 | $3,036 | $253 |
This table uses Malden’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $62 a year on average in our Malden data, with the same $500 deductibles. That’s about $5 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Plymouth Rock and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Malden ZIP code, full coverage averaged $3,007 a year in rates as of Nov. 30, 2025, and $3,036 as of Aug. 31, 2026, a 1.0% increase. Safety Insurance raised its average 2.7% and Plymouth Rock 2.1%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.0%, led by Plymouth Rock, which raised its liability-only average 6.7%.
Middlesex County averages about $171 a month for full coverage, the seventh-most expensive of the 14 Massachusetts counties we price, so Malden costs about $82 a month more than its county’s average. Stoneham averages $188 and Saugus, in Essex County, $218.
In Malden, the coverage you choose moves your price even more than the insurer does: full coverage costs about $157 a month more than liability only at 20/40/5 limits, while the five insurers we price are about $137 a month apart for full coverage.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Somerville, about three miles southwest, averages $202 a month, Cambridge, about four miles southwest, $183, and Boston, about five miles south, $252 across its 24 ZIP codes. Lynn, about seven miles northeast, averages $265.
Drivers in Malden follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Malden averages about $253 a month ($3,036 a year) and liability-only coverage at 20/40/5 limits about $96 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 39% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Malden table, at about $190 a month, followed by Progressive and GEICO, effectively tied at $218 and $224. USAA*, which sells only to military families, is priced from published rate studies at about $174 a month, below Plymouth Rock; we don’t rank it. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $73 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Medford, for our benchmark driver. Malden full coverage averages about $253 a month and Medford about $210, a difference of about $43 a month for the same driver and car.
For our benchmark driver in Malden, full coverage (100/300/100 with $500 deductibles) averages about $253 a month ($3,036 a year), 50/100/50 with the same deductibles about $248 ($2,974), and liability-only coverage at 20/40/5 limits about $96 ($1,153). Liability-only prices use limits below Massachusetts’ 25/50/30 minimum. Full coverage costs about $157 a month more than liability only, which won’t pay to repair or replace your own car.
No, for our benchmark driver. Malden full coverage averages about $253 a month, less than Everett ($260) and Revere ($283), but more than Medford ($210), Stoneham ($188) and Melrose ($180).
Slightly, for our benchmark driver. Comparing the same insurers and ZIP code, Malden full coverage rose 1.0% between November 2025 and August 2026, from about $3,007 to $3,036 a year. Safety Insurance raised its average 2.7% and Plymouth Rock 2.1%. Liability-only coverage at 20/40/5 limits rose 1.0%.
