Best Madera, California Auto Insurance in 2026
The average Madera, CA auto insurance rates are $288 per month. The minimum auto insurance in Madera is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Madera, California, compare quotes from multiple companies.
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Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Shawn Laib
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated September 2024
- The cheapest auto insurance company in Madera is USAA
- The most expensive auto insurance company in Madera for teen drivers is Farmers
- Average auto insurance rates in Madera, CA for senior drivers are $2,069 per year
Madera, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Madera can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Madera, California, including driving record, credit, commute time, and more.
Compare auto insurance in Madera to other California cities, including Bakersfield auto insurance rates, Oakland auto insurance rates, and Sacramento auto insurance rates to see how Madera, California auto insurance rates stack up.
Before you buy Madera, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Madera, California auto insurance quotes.
Minimum Auto Insurance in Madera, California
Madera, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Madera, California.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Madera, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Madera, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,608 | $2,608 | $1,902 | $1,919 | $7,194 | $9,038 | $3,322 | $3,642 |
| Farmers | $2,831 | $2,831 | $2,540 | $2,540 | $9,038 | $14,881 | $3,354 | $3,732 |
| Geico | $1,649 | $1,650 | $1,551 | $1,551 | $4,997 | $5,082 | $2,366 | $2,420 |
| Liberty Mutual | $2,203 | $2,092 | $2,045 | $1,983 | $4,852 | $5,132 | $2,493 | $2,506 |
| Nationwide | $2,675 | $2,559 | $2,340 | $2,212 | $6,676 | $7,387 | $3,181 | $3,148 |
| Progressive | $1,608 | $1,655 | $1,357 | $1,615 | $4,230 | $5,114 | $2,309 | $2,484 |
| State Farm | $3,420 | $3,420 | $3,054 | $3,054 | $6,292 | $7,812 | $3,786 | $3,902 |
| Travelers | $2,346 | $2,275 | $2,072 | $2,050 | $4,800 | $5,488 | $3,040 | $2,980 |
| USAA | $1,761 | $1,671 | $1,719 | $1,729 | $3,971 | $4,000 | $2,439 | $2,308 |
Cheap Madera, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Madera, California is a challenge. Take a look at the annual teen auto insurance rates in Madera, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,194 | $9,038 |
| Farmers | $9,038 | $14,881 |
| Geico | $4,997 | $5,082 |
| Liberty Mutual | $4,852 | $5,132 |
| Nationwide | $6,676 | $7,387 |
| Progressive | $4,230 | $5,114 |
| State Farm | $6,292 | $7,812 |
| Travelers | $4,800 | $5,488 |
| USAA | $3,971 | $4,000 |
Cheap Madera, California Auto Insurance for Seniors
What are senior auto insurance rates in Madera, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,902 | $1,919 |
| Farmers | $2,540 | $2,540 |
| Geico | $1,551 | $1,551 |
| Liberty Mutual | $2,045 | $1,983 |
| Nationwide | $2,340 | $2,212 |
| Progressive | $1,357 | $1,615 |
| State Farm | $3,054 | $3,054 |
| Travelers | $2,072 | $2,050 |
| USAA | $1,719 | $1,729 |
Cheap Madera, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Madera, California compared to the annual auto insurance rates with a clean record in Madera, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,435 | $4,078 | $6,415 | $3,188 |
| Farmers | $3,855 | $5,251 | $6,550 | $5,218 |
| Geico | $1,860 | $2,866 | $3,601 | $2,307 |
| Liberty Mutual | $2,529 | $3,389 | $3,056 | $2,679 |
| Nationwide | $2,635 | $3,377 | $5,700 | $3,377 |
| Progressive | $1,672 | $2,827 | $3,283 | $2,404 |
| State Farm | $3,098 | $3,696 | $6,981 | $3,596 |
| Travelers | $2,100 | $3,399 | $3,952 | $3,074 |
| USAA | $1,630 | $2,419 | $3,966 | $1,785 |
Cheap Madera, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Madera, California is not easy. Compare the annual rates for DUI auto insurance in Madera, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,415 |
| Farmers | $6,550 |
| Geico | $3,601 |
| Liberty Mutual | $3,056 |
| Nationwide | $5,700 |
| Progressive | $3,283 |
| State Farm | $6,981 |
| Travelers | $3,952 |
| USAA | $3,966 |
Cheap Madera, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Madera, California can vary. Compare the annual cost of auto insurance by ZIP code in Madera, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 93637 | $4,711 |
| 93638 | $4,720 |
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Cheap Madera, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Madera, California auto insurance. Find the cheapest annual Madera, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,631 | $4,427 |
| Farmers | $4,736 | $5,702 |
| Geico | $2,415 | $2,902 |
| Liberty Mutual | $2,674 | $3,152 |
| Nationwide | $3,339 | $4,206 |
| Progressive | $2,312 | $2,780 |
| State Farm | $4,185 | $4,501 |
| Travelers | $2,819 | $3,443 |
| USAA | $2,259 | $2,641 |
Cheap Madera, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Madera, California? Check out the comparison of annual Madera, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,797 | $4,066 | $4,224 |
| Farmers | $4,886 | $5,256 | $5,514 |
| Geico | $2,387 | $2,689 | $2,898 |
| Liberty Mutual | $2,737 | $2,935 | $3,067 |
| Nationwide | $3,384 | $3,837 | $4,096 |
| Progressive | $2,308 | $2,616 | $2,715 |
| State Farm | $3,912 | $4,419 | $4,696 |
| Travelers | $2,739 | $3,213 | $3,442 |
| USAA | $2,240 | $2,494 | $2,616 |
Best By Category: Cheapest Auto Insurance in Madera, California
Compare the cheapest auto insurance companies in Madera, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest Madera, California Auto Insurance Companies
What auto insurance companies in Madera, California are the cheapest? Compare the top Madera, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,029 |
| Farmers | $5,219 |
| Geico | $2,658 |
| Liberty Mutual | $2,913 |
| Nationwide | $3,772 |
| Progressive | $2,546 |
| State Farm | $4,343 |
| Travelers | $3,131 |
| USAA | $2,450 |
What affects auto insurance rates in Madera, California?
There are a lot of reasons why auto insurance rates in Madera, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madera, California. Many local factors may affect your Madera auto insurance rates.
Madera Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Madera, California auto theft statistics, there have been 207 auto thefts in the city.
Madera Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Madera, California commute length is 36.4 minutes according to City-Data.
Compare Madera, California Auto Insurance Quotes
Before you buy Madera, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Madera, California auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Madera, CA?
In Madera, CA, the minimum auto insurance coverage required is liability coverage. The state mandates that drivers carry at least the following minimum liability limits: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident. It’s important to note that these are the minimum requirements, and higher coverage limits may be advisable for greater protection.
How can I find affordable auto insurance in Madera, CA?
To find affordable auto insurance in Madera, CA, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents or brokers who work with various companies, utilize online comparison tools, or directly visit the websites of insurance providers to obtain quotes. Additionally, consider factors such as your driving record, the type of vehicle you own, available discounts, and your desired coverage limits when seeking affordable options.
What factors can affect my auto insurance rates in Madera, CA?
Several factors can influence your auto insurance rates in Madera, CA. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
Are there any specific discounts available for auto insurance in Madera, CA?
Yes, there are various discounts available for auto insurance in Madera, CA. Insurance companies often offer discounts for safe driving records, multiple policies (such as bundling auto and homeowners insurance), good student discounts, vehicle safety features, and anti-theft devices. It’s advisable to inquire with insurance providers about the discounts they offer and determine if you qualify for any.
Can I purchase additional coverage options for my auto insurance in Madera, CA?
Yes, in addition to the required liability coverage, you can purchase additional coverage options for your auto insurance in Madera, CA. Optional coverages may include collision coverage to protect against vehicle damage in a collision, comprehensive coverage for non-collision incidents (such as theft, vandalism, or weather damage), and other add-ons like rental car reimbursement or roadside assistance. Discuss your specific needs with insurance providers to determine the best coverage options for you.
How do I file an auto insurance claim in Madera, CA?
To file an auto insurance claim in Madera, CA, you should contact your insurance provider as soon as possible after an incident. They will guide you through the claims process, which typically involves providing details of the accident or damage, submitting any necessary documentation, and cooperating with any investigations or assessments required to settle the claim.
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