Compare Merced, CA Car Insurance Rates (2021)

Car insurance in Merced, CA averages $296 a month. Merced, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Merced car insurance rates, compare quotes from the top car insurance companies in Merced, CA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Merced, CA after a DUI are $5,005/year
  • The cheapest car insurance company in Merced is GEICO
  • The cheapest car insurance company in Merced for teen drivers is USAA

If you need to buy Merced, California car insurance, the options can be confusing. Everything you need to know about car insurance in Merced, CA is right here.

You’ll find Merced car insurance rates, the cheapest Merced, CA car insurance companies, and information on California car insurance laws. You can also compare Merced, California car insurance rates to Sacramento car insurance rates, San Jose car insurance rates, and Anaheim car insurance rates.

Ready to find affordable Merced, CA car insurance today? Enter your ZIP code for fast, free Merced car insurance quotes.

Cheapest Merced, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Merced, CA car insurance rates? Every Merced, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Merced, California

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 $2,885 $2,887 $2,101 $2,121 $7,993 $10,051 $3,687 $4,047
Farmers $2,541 $2,541 $2,292 $2,292 $8,093 $13,247 $3,010 $3,350
GEICO $1,607 $1,608 $1,512 $1,512 $4,871 $4,965 $2,306 $2,364
Liberty Mutual $2,203 $2,087 $2,047 $1,984 $4,813 $5,117 $2,486 $2,504
Nationwide $3,134 $2,993 $2,744 $2,588 $7,927 $8,763 $3,733 $3,688
Progressive $1,743 $1,794 $1,495 $1,768 $4,677 $5,627 $2,525 $2,714
State Farm $3,427 $3,427 $3,062 $3,062 $6,313 $7,838 $3,794 $3,910
Travelers $2,341 $2,271 $2,070 $2,048 $4,777 $5,505 $3,046 $2,982
USAA $1,861 $1,765 $1,812 $1,822 $4,250 $4,271 $2,571 $2,432

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Merced, CA

Every driver must carry the minimum car insurance in Merced, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Merced, 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

Cheapest Merced, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Merced, CA to rates for a clean record with top companies.

Annual Merced, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,695 $4,531 $7,126 $3,535
Farmers $3,455 $4,703 $5,856 $4,669
GEICO $1,815 $2,793 $3,513 $2,252
Liberty Mutual $2,521 $3,379 $3,048 $2,671
Nationwide $3,102 $3,978 $6,727 $3,978
Progressive $1,824 $3,109 $3,611 $2,629
State Farm $3,107 $3,706 $6,998 $3,606
Travelers $2,100 $3,394 $3,957 $3,070
USAA $1,726 $2,569 $4,205 $1,891

Cheapest Merced, CA Car Insurance for Teen Drivers

Teen car insurance in Merced, CA can be expensive. Take a look at rates from the top car insurance companies in Merced for teenagers.

Annual Car Insurance Rates for Teen Drivers in Merced, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,993 $10,051
Farmers $8,093 $13,247
GEICO $4,871 $4,965
Liberty Mutual $4,813 $5,117
Nationwide $7,927 $8,763
Progressive $4,677 $5,627
State Farm $6,313 $7,838
Travelers $4,777 $5,505
USAA $4,250 $4,271

Cheapest Merced, CA Car Insurance for Seniors

Take a look at Merced, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Merced, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,101 $2,121
Farmers $2,292 $2,292
GEICO $1,512 $1,512
Liberty Mutual $2,047 $1,984
Nationwide $2,744 $2,588
Progressive $1,495 $1,768
State Farm $3,062 $3,062
Travelers $2,070 $2,048
USAA $1,812 $1,822

Cheapest Merced, CA Car Insurance Rates After a DUI

A DUI in Merced, CA increases car insurance rates. Compare Merced, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Merced, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,126
Farmers $5,856
GEICO $3,513
Liberty Mutual $3,048
Nationwide $6,727
Progressive $3,611
State Farm $6,998
Travelers $3,957
USAA $4,205

Cheapest Merced, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Merced, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Merced, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,030 $4,914
Farmers $4,238 $5,104
GEICO $2,356 $2,830
Liberty Mutual $2,668 $3,142
Nationwide $3,928 $4,964
Progressive $2,536 $3,050
State Farm $4,195 $4,513
Travelers $2,816 $3,444
USAA $2,394 $2,802

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Merced, CA Car Insurance Rates by ZIP Code

Merced car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Merced, CA.

Annual Car Insurance Rates by ZIP Code in Merced, California

ZIP Code Average Annual Rates
95340 $4,644
95341 $5,019
95343 $4,888
95348 $4,788

The Best Cheap Car Insurance Companies in Merced, CA

Take a look at a side-by-side comparison of the top car insurance companies in Merced, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Merced, California

Insurance Company Average Annual Rates
Allstate $4,472
Farmers $4,671
GEICO $2,593
Liberty Mutual $2,905
Nationwide $4,446
Progressive $2,793
State Farm $4,354
Travelers $3,130
USAA $2,598

Category Winners: Cheapest Car Insurance in Merced, California

Find the cheapest car insurance companies in Merced, CA for each category right here.

Best Annual Car Insurance Rates by Company in Merced, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Merced, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Merced car insurance rates. Find the cheapest Merced, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Merced, California

Insurance Company Low Medium High
Allstate $4,222 $4,512 $4,681
Farmers $4,345 $4,707 $4,960
GEICO $2,355 $2,620 $2,804
Liberty Mutual $2,713 $2,931 $3,072
Nationwide $3,986 $4,523 $4,829
Progressive $2,479 $2,880 $3,020
State Farm $3,916 $4,431 $4,715
Travelers $2,767 $3,207 $3,416
USAA $2,352 $2,649 $2,793

What affects car insurance rates in Merced, California?

What factors can have an impact on Merced, CA car insurance? There are several reasons why Merced car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Merced, California.

Car Theft in Merced

High levels of vehicle theft can make car insurance more expensive. Merced, CA car theft statistics from the FBI indicate 428 vehicle thefts a year.

Commute Time in Merced

The more time you spend in your car the higher the risk of an accident. The average commute length in Merced, CA is 22.7 minutes according to City-Data.

Compare Car Insurance Quotes in Merced, CA

Ready to find affordable Merced, California car insurance today? Enter your ZIP code for fast, free Merced, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption