Madison drivers in Yolo County can compare free car insurance quotes from several California carriers and see what a short, quiet commute is worth.
How Much Does Car Insurance Cost in Madison?
Prop 103 puts driving record, annual mileage and years of experience first, and Madison's commute of about 21 minutes is well under the state average of 29. Vehicle theft across Yolo County runs about 2.9 per thousand people, a bit under the state figure of 3.2, which helps keep one pricing factor in check.
| Factor | Madison | California |
|---|---|---|
| Average commute | 21 min | 29 min |
| Homes with 2+ cars | 65% | 63% |
| Car thefts per 1,000 (Yolo County) | 2.9 | 3.2 |
| ZIP codes | 2 |
Why Madison Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same Madison driver can see quite different prices. An independent agency that compares several carriers at once saves you from calling around yourself.
About Madison, California
Madison is a small unincorporated community of about 682 people spread over roughly 1.5 square miles of the Sacramento Valley. It sits at 151 feet of elevation, in flat farm country in Yolo County, and the sheriff's office handles local policing. Esparto is the closest neighbor at about 3 miles, while Woodland is 12 miles off and Davis about 15. ABOUT_NOTE_SKIP: none
- County
- Yolo County
- Population
- 682 (Census est.)
- Major routes
- I-505, SR-16
Driving in Madison: What to Know
Nearly everyone here drives alone, about 79% compared with 67% statewide, and none of the commuters in the data use public transit. About 65% of households have two or more vehicles, so many families insure more than one car. Commutes are short by state standards, though Madison ranks 10th of 11 in Yolo County for commute time, so most neighbors have even shorter trips. I-505 and SR-16 are the nearby state highways, and CHP patrols them. Reporting lower annual mileage honestly can help your rate, and a clean record may qualify you for the Good Driver Discount of at least 20%.
State highways through or near Madison:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Madison
The nearest DMV office is Woodland DMV at 825 East St., Suite 306, about 11 miles away. That is a real trip from Madison, so book an appointment ahead and bring everything for your registration or license task in one visit.
Nearest DMV: Woodland
825 East St., Suite 306, Woodland, CA 95776
About 11.2 miles from Madison
California Car Insurance Rules for Madison Drivers
Because commutes here are short, the Good Driver Discount matters: a qualifying driver gets at least 20% off, and a clean record is the best way to earn it. Mileage is also one of the top rating factors, so a low annual figure can work in your favor.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Madison ZIP Codes and Nearby Areas
ZIP codes in Madison:
Nearby cities and communities:
Madison Car Insurance FAQ
Does a short commute from Madison lower my insurance rate?
It can. Annual mileage is one of the three factors Prop 103 requires insurers to weigh most, and a commute of about 21 minutes is shorter than the state average of 29. Give your carrier an accurate mileage estimate.
Do I need comprehensive coverage if theft is fairly low in Yolo County?
Countywide theft is about 2.9 per thousand, a little under the state rate of 3.2. Comprehensive also covers fire, flood and vandalism, and liability-only never covers your own car, so it comes down to how much you could afford to lose.
What is the minimum coverage I must carry in Madison?
California requires 30/60/15 liability: $30,000 for injury per person, $60,000 per accident and $15,000 for property damage. Many drivers choose higher limits because those minimums can run out quickly in a serious crash.