Franklin drivers who mostly commute alone can compare car insurance quotes from multiple California carriers with A1 in one free step.
How Much Does Car Insurance Cost in Franklin?
Rates here start with your driving record, annual mileage and years of experience, and ZIP code 95348 can also play a part. Vehicle theft in Merced County ran about 2.5 per thousand people in 2025, below the state average of about 3.2, which is a mild point in your favor.
| Factor | Franklin | California |
|---|---|---|
| Average commute | 22 min | 29 min |
| Homes with 2+ cars | 68% | 63% |
| Car thefts per 1,000 (Merced County) | 2.5 | 3.2 |
| ZIP codes | 1 |
Why Franklin Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can see different prices from company to company. A1 is an independent broker that compares quotes from multiple California carriers, so you do not have to call around yourself.
About Franklin, California
Franklin is an unincorporated community of about 7,500 people in Merced County, in the San Joaquin Valley. It covers just 2 square miles at about 161 feet of elevation, so it is small and flat. Merced is about 3 miles away, and Atwater, McSwain and Winton are all close by.
- County
- Merced County
- Population
- 7,487 (Census est.)
- Major routes
- SR-99
Driving in Franklin: What to Know
Most Franklin workers drive alone, about 85% compared with 67% statewide, and almost no one uses public transit. Commutes average about 22 minutes, shorter than the state average of 29 and 17th out of 20 in the county. Shorter trips can mean lower annual mileage, which is one of the main factors insurers must weigh. About 68% of households have two or more vehicles, so many families will want to compare coverage across several cars, and SR-99 is the nearby highway that CHP patrols.
State highways through or near Franklin:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Franklin
The nearest DMV office is Merced DMV at 1313 West 12th St., Merced, CA 95341, about 2.6 miles away.
Nearest DMV: Merced
1313 West 12th St., Merced, CA 95341
About 2.6 miles from Franklin
California Car Insurance Rules for Franklin Drivers
California's minimum liability coverage is 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores and gender cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Franklin ZIP Codes and Nearby Areas
ZIP codes in Franklin:
Nearby cities and communities:
More About Franklin
Franklin is an unincorporated community in Merced County, set in the flat, sunny farmland of the San Joaquin Valley, with Yosemite and the coast both within reach for a day trip. Here's what's nearby:
- Farm country living. Merced County is known for its almond orchards, dairies and open fields, so the surrounding countryside is green, quiet and full of big valley sky.
- Gateway to Yosemite. The county seat of Merced is often called the Gateway to Yosemite, and the park's valley floor is roughly a two-hour drive for a weekend escape.
- Castle Air Museum. Just up the road in Atwater, this museum displays dozens of historic military aircraft on the grounds of the former Castle Air Force Base.
- Wildlife refuges. The San Luis National Wildlife Refuge Complex, near Los Banos, hosts huge flocks of migrating waterfowl and sandhill cranes each winter.
Franklin Car Insurance FAQ
Does a short commute lower my car insurance in Franklin?
It can help, because annual mileage is one of the top factors insurers must consider. Franklin's average commute is about 22 minutes, shorter than the state's 29.
How does car theft in Franklin affect my insurance quote?
Merced County's 2025 theft rate was about 2.5 per thousand people, under the state average of about 3.2. Comprehensive coverage is what pays if your car is stolen, burned or vandalized, while liability-only does not cover your own car.
Where do I go to handle DMV business near Franklin?
The closest office is Merced DMV on West 12th St. in Merced, about 2.6 miles away. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files that form with the DMV.