Cheapest Car Insurance Quotes in Madera

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Madera Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Madera

The car insurance rate in Madera is $1070 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $616, making it a popular choice for budget-conscious drivers. Rates in Madera can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Madera

$1070

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Madera

1st place: CSAA

At $616 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $827 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $906 for six months, making it the third cheapest auto insurance company in Madera.

Madera Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Madera, CA is CSAA, offering policies at just $616 for a six-month term. This is followed by Mercury, which has an average six-month premium of $827.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Madera drivers find the best deals.

Cheap Car Insurance Companies in Madera, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
Mercury	$827	$139
AAA SoCal	$906	$151
Progressive	$952	$160
USAA	$1009	$170
Allstate	$1044	$176
Wawanesa	$1049	$177
AAA NorCal	$1061	$180
Auto Club	$1094	$182
State Farm	$1158	$195
Kemper	$1363	$228
Farmers	$1523	$259
AAA	$1317	$220

Key Takeaways

Way's key takeaways about car insurance in Madera

The auto insurance costs in Madera fall around $616 for six months.
The cheapest auto insurance company in Madera is CSAA.
Teen drivers pay the highest rate in Madera at $560 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Madera

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Madera are given below.

CSAA provides the cheapest minimum car insurance coverage in Madera. Their Average 6 Month Premium is $148. Farmers is the most expensive at $485 for the same period.

Cheapest Liability Coverage in Madera, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$148	$25
USAA	$274	$46
AAA NorCal	$285	$48
AAA SoCal	$325	$56
Progressive	$331	$56
Auto Club	$336	$58
State Farm	$348	$59
Wawanesa	$353	$60
Mercury	$376	$63
AAA	$405	$69
Allstate	$405	$68
Farmers	$485	$83

Cheapest Full Coverage Car Insurance in Madera

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Madera is CSAA at $104 per month and $616 for six months.

Cheapest Full Coverage Car Insurance Quotes in Madera, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
Mercury	$827	$139
AAA SoCal	$906	$151
Progressive	$952	$160
USAA	$1009	$170
Allstate	$1044	$176
Wawanesa	$1049	$177
AAA NorCal	$1061	$180
Auto Club	$1094	$182
State Farm	$1158	$195
Kemper	$1363	$228
Farmers	$1523	$259
AAA	$1317	$220

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Average Car Insurance in Madera by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Madera, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Madera, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Madera's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Madera

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$562
30s	Wawanesa	$453
40s	Wawanesa	$453
50s	Wawanesa	$453
60s	Wawanesa	$453
70s	Wawanesa	$444

Cheapest Car Insurance Rates for Teen Drivers in Madera,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Madera at $66 per month. At $3359 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$399	$66
Capital Insurance Group	$502	$85
USAA	$1197	$202
Mercury	$1214	$204
Wawanesa	$1334	$223
Progressive	$1397	$235
CSAA	$1682	$283
State Farm	$1996	$336
AAA SoCal	$2161	$360
Allstate	$2316	$390
Auto Club	$2469	$412
AAA NorCal	$3290	$560
Farmers	$3359	$560

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Madera.

As young drivers face the highest rates in Madera, Wawanesa offers the cheapest auto insurance rates at $562 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Madera.

Car Insurance Rates with An Accident in Madera

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Madera, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Madera

The cheapest car insurance companies after an at-fault accident in Madera include AAA and Capital Insurance Group, offering $359 and $524, respectively. Allstate is an expensive provider with an average six-month premium of $2583.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$359	$60
Capital Insurance Group	$524	$89
CSAA	$702	$118
Mercury	$1015	$171
USAA	$1049	$177
Progressive	$1214	$204
Wawanesa	$1482	$247
AAA SoCal	$1557	$265
Auto Club	$1643	$274
Farmers	$1688	$284
State Farm	$2007	$338
AAA NorCal	$2149	$366
Allstate	$2583	$435

Madera Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Madera CA. For example, the car insurance in Madera after a DUI increases to $1670 for a six month policy. While the rate increases by $438 for a six-month policy in the case of a speeding ticket.

Madera auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
Not-at-fault accident	$1044	$178
One comp claim	$1044	$174
One Med/PIP claim	$1044	$178
Two comp claims	$1044	$174
Two Med/PIP claims	$1044	$178
At-fault accident - less than $1000	$1067	$178
Failure to show documents	$1375	$233
Driving with expired registration	$1403	$234
Driving without lights	$1403	$238
Failure to wear a seat belt	$1408	$235
Child safety restraint	$1420	$241
Speeding 11 - 15 MPH over limit	$1476	$246
Speeding 16 - 20 MPH over limit	$1476	$252
Driving too slowly	$1482	$247
Failure to stop at a red light	$1482	$252
Failure to yield	$1482	$247
Following too closely	$1482	$252
Illegal turn	$1482	$247
In 65 MPH zone	$1482	$252
Speeding 21 - 25 MPH over limit	$1482	$247
Speeding 6 - 10 MPH over limit	$1482	$252
Speeding in school zone	$1482	$247
Improper passing	$1488	$253
Cell phone violation	$1494	$249
Texting while driving	$1494	$254
Passing school bus	$1511	$252
Wrong way/wrong lane	$1767	$300
Operating a vehicle without permission	$1808	$301
At-fault accident - $1000-$2000	$1819	$309
At-fault accident - greater than $2000	$1819	$303
Open container	$1825	$310
Driving with a suspended license	$2116	$352
Reckless driving	$2578	$439
Racing	$2606	$434
Leaving scene of an accident/hit and run	$2617	$445
DUI	$2714	$452
Refusal to submit to a chemical test	$2714	$462

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Madera after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Madera.

The cheapest car insurance premiums in Madera are offered by Capital Insurance Group at $781 for a six-month policy. However, it can be as expensive as $718 with companies like AAA.

Madera car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$781	$132
Mercury	$929	$156
Travelers	$1084	$184
Progressive	$1375	$231
Wawanesa	$1670	$284
Farmers	$1773	$299
USAA	$1887	$318
CSAA	$1996	$336
AAA SoCal	$2886	$491
Auto Club	$3301	$550
AAA NorCal	$3804	$647
State Farm	$4060	$684
Allstate	$4180	$704
AAA	$718	$122

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Madera are offered by CSAA at $91. However, it can be as expensive as $2155 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Madera after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$91	$15
Capital Insurance Group	$502	$85
Mercury	$855	$144
USAA	$896	$153
Progressive	$964	$162
AAA NorCal	$1334	$227
AAA SoCal	$1431	$238
Allstate	$1472	$251
State Farm	$1557	$259
Farmers	$2155	$367

Car Insurance Price Trends in Madera, California

Car insurance rates in Madera have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Madera remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Madera rose to $53 in December, compared to $52 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Madera?

The car insurance in Madera is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Madera?

The cheapest car insurance in Madera is $104 per month for full coverage.

How much is car insurance in Madera for teenagers?

Car insurance for teenagers costs $399 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Madera?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $180 per month to insure your car in Madera.

Is car insurance expensive in Madera?

Car insurance can be expensive in Madera if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Madera can be affordable.

Cheapest Car Insurance Quotes in Madera

Why you can trust Way?

How Much Is Car Insurance in Madera

Avg. Car Insurance in Madera

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Madera

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Madera Car Insurance Rates by Company

Cheap Car Insurance Companies in Madera, CA

Way's key takeaways about car insurance in Madera

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Madera

Cheapest Liability Coverage in Madera, CA

Cheapest Full Coverage Car Insurance in Madera

Cheapest Full Coverage Car Insurance Quotes in Madera, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Madera by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Madera, CA increasing?

Car Insurance Premiums by Age in Madera

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Madera,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Madera.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Madera

Cheapest Car Insurance Companies after an At-Fault Accident in Madera

Madera Car Insurance Rates by Violation

Madera auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Madera after a DUI

Madera car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Madera after Speeding ticket

Car Insurance Price Trends in Madera, California

Average Car Insurance Cost in Madera by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Madera, CA

Car Insurance Rates by State in the USA (2025 Update)

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