Madera, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Madera, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Know the latest Auto Insurance Rates in Madera, CA
Madera is a city and county seat of Madera County, California. With a mild climate, plenty of outdoor activities, and award-winning wine, Madera is also known as the "The Heart of California." The cost of car insurance varies from city to city and insurer to another. Getting the most accurate and affordable online quotes for auto insurance in Madera, CA, is easier when you understand the requirements laid by insurance providers. A healthy credit history, good driving record, and age are a few variables that determine how much you will pay on car insurance in Madera, CA.
The average cost of car insurance in Madera, CA, is $1,418. Zimlon, through its research, has explored certain factors responsible for the change in car insurance rates in Madera, CA.
a. Deductible
The cost of car insurance is mainly based on the price of a vehicle and driving history. However, other factors like deductibles can affect the coverage expenses as well. For example, auto owners in Madera who opted for a high deductible of 1000 have to pay $1,109. In contrast, auto owners who opted for a low deductible of 500 have to pay $1,313.
b. The age of the driver
The cost of auto insurance in Madera, CA, also depends on the driver's age. The older a driver is, the lower the premiums are. Insurance providers charge teenage drivers higher premiums as insurance companies consider them riskier. The lack of driving experience also increases their risk factor and makes them pay more for their insurance policy. Teenagers in Madera, CA, pay $4,601, whereas drivers aged 40 pay $1,350 on car insurance in Madera, CA.
c. Driving history
Car insurance is a legal contract that helps pay for the costs associated with an accident involving your vehicle. Therefore, insurance providers carefully analyze your driving pattern, car use, i.e., commuting locally or traveling outskirts, and DUI reports to filter the car insurance cost. For instance, the average cost of car insurance in Madera, CA, is $1,418. Post-DUI, the premium increases to $3,491.
Factors that can influence the cost of car insurance in Madera, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Madera, CA Auto Insurance Rates
- Madera, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Madera, CA
- Multi Vehicle Insurance Savings in Madera, CA
- How Credit Score Affects Car Insurance Rates in Madera, CA
- How DUI Affects Auto Insurance Premiums in Madera, CA
- How Driving Violations Affect Auto Insurance Rates in Madera, CA
- Madera, CA Auto Insurance Discounts on Anti Theft Feature
- Madera, CA Auto Insurance Company Reviews
Madera, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Madera, CA with that of other cities in and around Madera.
| Madera | Fairmead | Madera Southeast | Bonadelle Ranchos-Madera Ranchos | Madera Acres | La Vina | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,418 | $1,827 | $1,852 | $1,829 | $1,796 | $2,178 |
Madera, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Madera, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Madera | $1,313 | $1,109 |
| Madera Acres | $1,142 | $965 |
| Parksdale | $1,464 | $1,236 |
| Bonadelle Ranchos-Madera Ranchos | $1,278 | $1,080 |
| Parkwood | $1,467 | $1,239 |
| Madera Southeast | $1,908 | $1,611 |
| Fairmead | $988 | $834 |
| La Vina | $2,243 | $1,895 |
Madera, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Madera, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,601 |
| 20 Years | $1,822 |
| 30 Years | $1,403 |
| 40 Years | $1,350 |
| 50 Years | $1,250 |
| 60 Years | $1,268 |
| 70 Years | $1,476 |
Madera, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Madera, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,411 | $425 |
| 3 Vehicles | $3,616 | $638 |
| 4 Vehicles | $4,821 | $851 |
Savings on 2 Vehicles bundle:$425
Savings on 3 Vehicles bundle:$638
Savings on 4 Vehicles bundle:$851
Madera, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Madera, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Madera | $1,418 | $3,491 |
| Madera Acres | $1,796 | $4,422 |
| Parksdale | $1,782 | $4,388 |
| Bonadelle Ranchos-Madera Ranchos | $1,829 | $4,503 |
| Parkwood | $1,774 | $4,368 |
| Madera Southeast | $1,852 | $4,560 |
| Fairmead | $1,827 | $4,498 |
| La Vina | $2,178 | $5,363 |
Madera, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,217 |
| Excellent (740-799) | $1,389 |
| Good (670-739) | $1,478 |
| Average (580-669) | $1,928 |
| Poor (300-579) | $2,313 |
Madera, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,480 |
| Driver's Failure In Showing Documents | +$138 | $1,556 |
| Driving With An Expired Registration | +$146 | $1,564 |
| Driving At A Considerably Slow Pace | +$308 | $1,726 |
| Using A Cellphone While Driving | +$325 | $1,743 |
| Running A Red Light | +$330 | $1,748 |
| Speeding | +$347 | $1,765 |
| Driving A Vehicle Without The Required Permission | +$441 | $1,859 |
| Driving With An Expired/Suspended License | +$956 | $2,374 |
Madera, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,361 |
| Active Disabling Device | $1,361 |
| Tracking Device | $1,333 |
| Passive Disabling Device | $1,319 |
Latest Auto Insurance Reviews in Madera, CA | Back to Top
Geicothe amounts are different. I like gieco because I trust them. They are a good company and don't leave you hanging like the others do.
GeicoI was offered a better policy immediately as opposed to when i went through different companies. I can get full coverage auto for less than $100 a month.
GeicoIt's a good insurance company if you can't find anybody cheaper. Sometimes they have the best rates for established companies.
GeicoI am not sure about my premium or deductible or if it is different than my last company (progressive)
State FarmI see no reason why I would switch companies. However, I can see that the prices may not be as competitive without the discounts I have.
MetlifeMy premium, I was unaware I had hit and run insurance. I was a victim just standing on the street and I still fell under the coverage. The customer service reps are awesome letting you know what all entails in my car policy.
State FarmInsurance company premiums are pretty standard and in many cases you get what you pay for. We have had good experiences with State Farm so we don't mind if our premiums may be a bit more expensive.
GeicoI has been satisfactory. I never had a claim with them so besides paying the premium and renewals I have nothing else to report.it is convinient and quick to reach an agent every time.
MercuryI would recommend, but I have only had it for about four months so I cannot really judge just yet.
GeicoI like Geico because it is a lot more affordable than the other companies in my area. It also offers incentives for reduced rates, such as good driver, and defensive driving, along with an additionally reduced rate if you have another type of insurance from them (for example, renters).
GeicoI like that the company is so easy to deal with.
Mapfre InsuranceI think my insurance company has very similar offerings to other companies. I tend to take the standard package required by law. I have no special needs but they provide what I need very well.
GeicoWhenever I have called customer service the person I have spoken to has been very helpful and I have gotten an answer to any question that I asked. If I have had a claim it has been handled in a satisfactory manner.
ProgressiveThere is nothing that I dislike about progressive. They are always there to help for a low price. I don't have anything bad to say about them.