Madera, CA Car Insurance

What rates can residents of Madera expect to pay for their car insurance? Compared to their surrounding area, how do rates in Madera stack up? What about against the rest of California? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Madera?

Car insurance coverage in Madera is about $10 cheaper than it is in the rest of California.

Similarly, car insurance rates in Madera are more affordable than the national average. Auto insurance coverage in Madera is about $35 cheaper than it is for the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Madera, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Madera residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Madera may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Madera, the difference is around $6 a month. As you can see in the table above, male drivers in the area typically pay $49 on average, while female drivers typically pay $43 each month.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Madera, a driving record with one accident will usually get you a rate around $61 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $68.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Madera are typically trucks and vans, at $43 per month.

Car owners, on the other hand, usually pay around $47 per month, while SUV drivers can expect to pay about $45 a month for auto insurance coverage.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Madera, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Madera can be as much as $10 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. Renters can expect to pay around $5 a month more than those who own their own home in Madera. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Madera, CA

Recent trends in car insurance for Madera drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Madera, car insurance rates had been decreasing from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $39 per month

How does Madera compare to neighboring areas?

Why are car insurance rates in Madera different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

• Total number of drivers in the area
• Road Safety (frequency of car accidents)
• Prevalence of crime
• Community regulations
• Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Madera?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Madera.

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Madera Insurance FAQs

What factors affect car insurance quotes in Madera?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Madera different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Madera?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Madera?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Madera or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?