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Get Cheap Car Insurance in Malta, NY
We monitor insurance prices, helping the average driver in Malta save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Malta
The chart below shows the cheapest car insurance company in Malta for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Malta Insurer | Monthly Cost |
|---|---|
| Kemper | $78 |
| Plymouth Rock Assurance | $104 |
| Safeco Insurance | $111 |
| Geico | $116 |
Savings for Every Kind of Malta Driver
Based on our extensive insurance data, we know the average Malta driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $631 per year by choosing the right vehicle insurance company. Some Malta residents are paying out over $2,116 extra every year for auto insurance in Malta. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Malta, NY Savings / Yr. |
|---|---|
$631 |
|
$402 |
|
$804 |
|
$813 |
|
$1,992 |
|
$667 |
|
$1,062 |
Malta Car Insurance vs. New York
People living in Malta pay an average of 12.74% less than the typical driver in the state. The average driver in Malta can expect to pay about $1,535 per year, or $2,116 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Malta for most people.
Car Insurance Prices by Malta Neighborhood
Insurance Prices
Where is insurance cheapest within Malta?
The map shows insurance prices in and around Malta, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $84 per year within the city boundaries, with insurance premiums ranging from a high of $2,152 to a low of $2,068. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Malta.Pick the Best Car Insurance Company for You in Malta
The best car insurance provider for most drivers in Malta
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $631 over the average Malta car insurance company.
The best car insurance provider for Malta drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $402 over the competition.
The best car insurance company for Malta drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $804 better than other car insurance companies.
The best auto insurance for Malta drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $813 less each year.
The least expensive car insurance company for new and young drivers in Malta
In Malta, Progressive costs young drivers $1,992 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Malta
Progressive gave the largest car insurance discounts to married couples, averaging $667 saved each year compared to an average Malta couple's premiums.
The cheapest car insurance in Malta for drivers with bad credit
The best Malta car insurance company for customer service
Recent price drops
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The cheapest large national provider in Malta
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Malta driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Malta, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Malta
What Influences the Cost of Car Insurance in Malta?
On average, car insurance in Malta is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Malta is 32 minutes, which is about the national average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Malta are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Malta is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Malta is $128 per month for minimum coverage and $176 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Round Lake: Insurance costs 1.42% less
- Ketchums Corner: Insurance costs 0.38% less
- East Line: Insurance costs 2.13% less
- Ballston Spa: Insurance costs 1.61% more
- Mechanicville: Insurance costs 1.98% more
- Stillwater: Insurance costs 1.61% more
- Ballston Lake: Insurance costs 5.67% more
- Saratoga Springs: Insurance costs 4.30% more
- Burnt Hills: Insurance costs 0.47% less
- Quaker Springs: Insurance costs 1.09% more
Cities with Similar Populations
- Beach Haven: Insurance costs 18.43% less
- Bennington: Insurance costs 43.67% less
- Bruce: Insurance costs 43.81% less
- Canaan: Insurance costs 54.68% less
- Castile: Insurance costs 0.52% less
- Chrisman: Insurance costs 33.08% less
- Cibecue: Insurance costs 16.26% less
- Clinton: Insurance costs 26.51% less
- Colchester: Insurance costs 32.70% less
- Colquitt: Insurance costs 33.32% more