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Rates quoted on April 14, 2026 for a 35-year-old single female driver with a clean 6-year record in Malden, MA (ZIP 02148). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.
If you drive a 2018 Toyota Camry SE in Massachusetts, you already own one of the most predictable cars on the road from an insurance pricing standpoint. The Camry lands near the middle of the pack for collision claim frequency and has below-average repair costs compared to European and domestic rivals. Even so, the carrier you pick can swing your 2018 Toyota Camry insurance premium by nearly 30 percent on a clean-record profile, and for a driver with nothing working against them on paper, that gap is worth understanding.
We pulled a fresh, apples-to-apples quote for the same driver profile across four major Massachusetts carriers in April 2026. Same limits. Same deductibles.
Same policy start date. Here is what the market actually looked like.
Our Driver Profile
To make the comparison meaningful, every 2018 Toyota Camry insurance quote used the exact same set of inputs:
- 35-year-old single female, licensed since age 16 (19 years of driving experience)
- Bachelor’s degree
- Renter in Malden, MA (02148)
- No at-fault accidents, no moving violations, no claims in the past 6 years
- Prior carrier GEICO with 100/300 bodily injury limits, continuous coverage since 2020
- 2018 Toyota Camry SE, owned outright (no loan)
- About 12 miles each way to work, 5 days a week
- About 9,000 annual miles, personal use only
- No rideshare driving
The Coverage Package We Quoted
Massachusetts mandates a minimum Compulsory Bodily Injury Liability (Part 1) of $20,000 per person and $40,000 per accident, a limit almost universally considered inadequate. For this comparison, we quoted a full-coverage package that matches what financial advisors typically recommend for a paid-off mid-value sedan.
- Bodily Injury (Part 5, optional): $100,000 per person / $300,000 per accident
- Property Damage (Part 4): $100,000 per accident
- Uninsured / Underinsured Motorist: matched to BI limits
- Personal Injury Protection (Part 2): state-standard $8,000 with household coverage
- Collision: $500 deductible
- Comprehensive: $500 deductible
- Telematics (Snapshot, DriveEasy, IntelliDrive, RightTrack): declined on every carrier where possible
Every carrier was pushed to the same limits and deductibles, which means the price differences below reflect carrier pricing strategy, not coverage differences.
2018 Toyota Camry Insurance Rates in Malden, MA: What Four Carriers Quoted
| CARRIER | 6-MONTH PREMIUM | MONTHLY | ANNUALIZED | VS. LOWEST |
|---|---|---|---|---|
| Progressive | $717.00 | $119.50 | $1,434 | baseline |
| Travelers | $879.00 | $146.44 | $1,758 | +22.6% |
| Liberty Mutual | $894.00 | $149.00 | $1,788 | +24.7% |
| GEICO | $921.00 | $153.50 | $1,842 | +28.5% |
Source: InsuranceRateGuard.com quote data, April 2026. Quotes pulled directly from each carrier’s website using the driver profile above.
The spread between the cheapest and most expensive quote is $204 every six months, or $408 per year. That gap matters for the same exact coverage on the same exact car with the same exact driver.
Carrier-by-Carrier Breakdown
Progressive: $717 / 6 Months (the Price Leader)
Progressive came in meaningfully cheaper than the rest of the field on this 2018 Toyota Camry insurance profile, and the gap is hard to ignore. A few things stood out during the quote flow.
The interview was the fastest of the four carriers. Progressive has refined its online funnel over the past decade and it shows. The carrier also applied multiple automatic discounts without requiring any opt-in activity: continuous insurance credit from the prior GEICO policy, paid-in-full discount eligibility, and a homeowner-style discount that sometimes appears for drivers with a strong insurance history even when they are renters.
Progressive’s Snapshot telematics program was offered but declined for this comparison to keep things apples-to-apples. Had we enrolled, the initial discount would have been around 10 percent, with the final adjustment applied after 180 days of driving data.
Best for: clean-record drivers comfortable with an online-first experience who want the lowest upfront rate.
Travelers: $879 / 6 Months
Travelers came in second. The quote flow is routed through Standard Fire Insurance Company, the Travelers Massachusetts subsidiary, and the interview is noticeably more thorough than Progressive’s. The carrier asks more granular questions about commute, vehicle use, and residence type, and it takes longer to get to a final number.
Where Travelers stands out is its package structure. The IntelliDrive telematics program is opt-in rather than assumed, so the quoted price reflects a rate you can actually hold onto without behavior-based adjustments. Travelers also tends to be more generous with multi-policy discounts if you later bundle renters or homeowners coverage, though the initial quote does not capture that.
Best for: drivers who value a stable, underwriting-driven 2018 Toyota Camry insurance rate and may bundle other policies later.
Liberty Mutual: $894 / 6 Months
Liberty Mutual landed just behind Travelers. The quoted price includes an assumed RightTrack telematics discount of roughly 10 percent. Without RightTrack enrollment, the actual rate would rise to about $990 for six months, putting Liberty Mutual slightly above GEICO.
That is an important footnote. RightTrack is not a free discount. It requires 90 days of monitored driving data (hard braking, late-night driving, phone distraction) to determine your final rate, which can actually go up if your driving patterns are flagged.
For drivers who are confident about their habits, it is upside. For everyone else, the pre-RightTrack rate is the number to mentally anchor to.
Liberty Mutual’s coverage menu is the most flexible of the four carriers. Better Car Replacement, the Deductible Fund (which shaves $50 off your collision deductible every six claim-free months), and 24-Hour Roadside Assistance are all optional add-ons priced separately rather than bundled.
Best for: drivers who want granular control over optional coverages and are willing to enroll in telematics for the advertised rate.
GEICO: $921 / 6 Months
Surprisingly, GEICO, our driver’s prior carrier, came in most expensive on this 2018 Toyota Camry insurance profile. That runs counter to GEICO’s nationwide brand positioning as a price leader, but it is consistent with what Massachusetts shoppers have been reporting for the last 18 months: GEICO’s MA book has drifted upward on rates as the carrier has rebalanced loss ratios in a hard reinsurance market.
GEICO’s quote flow was also the most coverage-conservative. The default property damage limit presented on the recap page was lower than what we entered earlier in the flow, a known quirk that requires using the top-level “Auto Coverages Edit” button rather than the inline pencil icon to correct. Shoppers who click through quickly can end up with less coverage than they intended.
The Prime Meridian underwriting company, which is GEICO’s Massachusetts subsidiary, does apply loyalty credit for continuous insurance, but it was not enough to close the gap to Progressive.
Best for: drivers with existing GEICO bundles (renters, umbrella) where the combined relationship discount can close the price gap.
What Drives 2018 Toyota Camry Insurance Rates in Massachusetts
A few observations from running these quotes side-by-side.
Mandatory PIP shapes the market. Massachusetts is a no-fault state with mandatory Personal Injury Protection (Part 2). It is not optional, and carriers do not meaningfully differentiate on its pricing because the coverage limits are state-prescribed.
The main levers for price competition in MA are optional Bodily Injury (Part 5), Property Damage, and the collision and comprehensive deductibles. The Massachusetts Division of Insurance regulates how those rates are filed.
Bundling is worth a separate quote. Liberty Mutual in particular prices its multi-policy bundle aggressively. A renter who adds a $15-a-month HO-4 policy can often shave $100 or more off the annual auto premium.
Travelers is similar. Progressive’s bundle discount is thinner. GEICO applies its bundle through a separate quote engine entirely, so you will not see the combined number in the initial auto quote.
Telematics is no longer optional-feeling at most carriers. Liberty Mutual’s RightTrack is effectively pre-enrolled in the quoted rate. Progressive’s Snapshot is heavily upsold.
Travelers’ IntelliDrive is the only program in this comparison where declining feels genuinely neutral. If you do not want to share driving data, Travelers is the easiest path to a clean 2018 Toyota Camry insurance quote.
Prior limits matter more than you would think. Every carrier in this comparison asked for prior BI limits as part of the interview. Drivers coming from low-limit prior policies (state minimums) often see a surcharge of 5 to 15 percent for “insufficient prior limits,” even with a perfect driving record. Our driver’s 100/300 prior limits cleared this hurdle on all four carriers.
Credit-based scoring has a ceiling in MA. Massachusetts is one of three states (with California and Hawaii) where carriers cannot use credit-based insurance scores in auto pricing. That actually helps Massachusetts shoppers with thin or imperfect credit files compared to a state like Texas, where credit can swing rates by 40 percent. Our guide on credit score vs. credit-based insurance score explains how that factor works in states where it is permitted.
How Malden’s ZIP Code and Commute Shape the Rate
Malden’s 02148 ZIP sits inside the Boston metro footprint, which means its rates carry a metro load compared to western Massachusetts suburbs. Claim frequency inside Route 128 is higher than the state average, and carriers build that into their territory relativities. A driver with the same profile in Worcester or Springfield would likely see quotes 8 to 15 percent lower.
Commute distance also matters. A 12-mile-each-way commute in Boston traffic is different risk than a 12-mile commute through rural roads. Most MA carriers apply a commute-use surcharge once you cross 7,500 annual miles, which puts our 9,000-mile profile firmly in the commuter tier.
If you are comparing 2018 Toyota Camry insurance quotes in different parts of the state, or thinking about moving, the state-by-state car insurance guide is a useful starting point, and our Houston RAV4 comparison shows how dramatically the same kind of shopping exercise plays out in a very different market.
External benchmark data helps put these numbers in context. InsuranceRateGuard.com 2026 quote runs shows the statewide average for full coverage sits around $142 per month in 2026, while InsuranceRateGuard.com 2026 quote runs puts the national monthly average at $167 for full coverage. Our Malden quotes of $119 to $154 monthly straddle that national average, with Progressive running noticeably below the state benchmark.
How to Save on Insurance
A few moves can bring your 2018 Toyota Camry insurance cost down on most Massachusetts profiles.
Quote at least three carriers before every renewal. The $204-every-six-months gap in this comparison is exactly why. Carriers use different pricing formulas, and the differences are real. Thirty minutes of shopping is often worth $408 a year.
- Bundle auto with renters or homeowners. Most large carriers cut auto premiums 5 to 15 percent when you add a renters or home policy. If you are shopping both separately right now, ask for a combined quote. The discount usually applies immediately.
- Try telematics if your driving is quiet. Progressive’s Snapshot, State Farm’s Drive Safe and Save, and Liberty Mutual’s RightTrack can cut 10 to 30 percent off a premium for low-mileage or careful drivers. For drivers with long highway commutes or late-night habits, telematics can actually raise the rate, so check the fine print on what counts as a surcharge trigger.
- Raise your deductible if you have a cash cushion. Moving from a $250 to $500 deductible, or $500 to $1,000, usually trims collision and comprehensive premiums 10 to 20 percent. Do not do this unless you can comfortably pay the higher deductible out of pocket after a claim. Our deductibles and auto insurance guide covers the break-even math.
- Check for a paid-in-full discount. Paying the six-month premium up front instead of monthly usually saves 5 to 10 percent. If you can float the cash, it is one of the easiest wins available.
Re-shop after any big life change. Marriage, a move to a different ZIP code, adding a vehicle, or hitting a new age band can all change how carriers price your risk, so do not assume your current carrier is still the best option after a change.
For related reading, see our car insurance by state guide and our car insurance rates by vehicle type overview.
Sources Used
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16