Best Cheap Auto Insurance in Madison, AL (2021)

The average Madison, AL auto insurance rates are $294 per month. The minimum auto insurance in Madison is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Madison, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Madison, AL for senior drivers are $1,857 per year
  • The most expensive auto insurance company in Madison for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Madison, Alabama is 25/50/25

Madison, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Madison can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Madison, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Madison to other Alabama cities, including Birmingham auto insurance rates, Mobile auto insurance rates, and Montgomery auto insurance rates to see how Madison, Alabama auto insurance rates stack up.

Before you buy Madison, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Madison, Alabama auto insurance quotes.

Minimum Auto Insurance in Madison, Alabama

Madison, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Madison, Alabama.

Minimum Required Auto Insurance Coverage in Madison, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Madison, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Madison, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Madison, Alabama

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 $1,928 $1,837 $1,752 $1,785 $6,748 $7,264 $2,144 $2,185
Farmers $2,240 $2,221 $2,000 $2,128 $8,801 $9,055 $2,541 $2,630
GEICO $1,841 $1,833 $1,775 $1,851 $4,914 $4,785 $1,944 $1,783
Liberty Mutual $2,854 $3,079 $2,344 $2,620 $10,640 $11,823 $3,027 $3,210
Nationwide $1,768 $1,788 $1,613 $1,667 $4,728 $6,073 $1,966 $2,195
Progressive $2,322 $2,164 $1,914 $2,042 $9,866 $10,990 $2,717 $2,891
State Farm $2,811 $2,811 $2,568 $2,568 $8,800 $11,003 $3,182 $3,671
Travelers $1,312 $1,330 $1,240 $1,235 $7,159 $11,278 $1,245 $1,404
USAA $1,257 $1,270 $1,175 $1,144 $3,769 $4,167 $1,630 $1,753

Cheap Madison, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Madison, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Madison, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Madison, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,748 $7,264
Farmers $8,801 $9,055
GEICO $4,914 $4,785
Liberty Mutual $10,640 $11,823
Nationwide $4,728 $6,073
Progressive $9,866 $10,990
State Farm $8,800 $11,003
Travelers $7,159 $11,278
USAA $3,769 $4,167

Cheap Madison, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Madison, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Madison, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,752 $1,785
Farmers $2,000 $2,128
GEICO $1,775 $1,851
Liberty Mutual $2,344 $2,620
Nationwide $1,613 $1,667
Progressive $1,914 $2,042
State Farm $2,568 $2,568
Travelers $1,240 $1,235
USAA $1,175 $1,144

Cheap Madison, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Madison, Alabama compared to the annual auto insurance rates with a clean record in Madison, Alabama.

Annual Madison, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,725 $3,211 $3,807 $3,078
Farmers $3,324 $4,308 $4,202 $3,975
GEICO $1,736 $2,818 $3,506 $2,303
Liberty Mutual $3,881 $5,412 $5,277 $5,228
Nationwide $2,386 $2,386 $3,466 $2,661
Progressive $3,926 $4,967 $4,257 $4,303
State Farm $4,201 $5,258 $4,624 $4,624
Travelers $2,730 $2,862 $4,196 $3,314
USAA $1,555 $1,955 $2,890 $1,682

Cheap Madison, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Madison, Alabama is not easy. Compare the annual rates for DUI auto insurance in Madison, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Madison, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,807
Farmers $4,202
GEICO $3,506
Liberty Mutual $5,277
Nationwide $3,466
Progressive $4,257
State Farm $4,624
Travelers $4,196
USAA $2,890

Cheap Madison, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Madison, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Madison, Alabama

Insurance Company Poor Fair Good
Allstate $3,959 $3,113 $2,544
Farmers $4,423 $3,817 $3,617
GEICO $3,293 $2,351 $2,128
Liberty Mutual $7,068 $4,359 $3,422
Nationwide $3,286 $2,566 $2,323
Progressive $4,901 $4,229 $3,961
State Farm $7,580 $3,840 $2,611
Travelers $3,567 $3,100 $3,159
USAA $2,710 $1,770 $1,582

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Cheap Madison, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Madison, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Madison, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Madison, Alabama

ZIP Code Average Annual Rates
35756 $3,638
35757 $3,653
35758 $3,602

Cheap Madison, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Madison, Alabama auto insurance. Find the cheapest annual Madison, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Madison, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,205 $3,205
Farmers $3,952 $3,952
GEICO $2,546 $2,635
Liberty Mutual $4,950 $4,950
Nationwide $2,725 $2,725
Progressive $4,363 $4,363
State Farm $4,562 $4,792
Travelers $3,275 $3,275
USAA $1,928 $2,113

Cheap Madison, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Madison, Alabama? Check out the comparison of annual Madison, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Madison, Alabama

Insurance Company Low Medium High
Allstate $3,084 $3,199 $3,332
Farmers $3,723 $3,899 $4,234
GEICO $2,361 $2,579 $2,832
Liberty Mutual $4,716 $4,926 $5,207
Nationwide $2,707 $2,702 $2,766
Progressive $3,899 $4,343 $4,848
State Farm $4,391 $4,671 $4,968
Travelers $3,102 $3,340 $3,384
USAA $1,946 $2,010 $2,106

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Best By Category: Cheapest Auto Insurance in Madison, Alabama

Compare the cheapest auto insurance companies in Madison, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Madison, Alabama

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

The Cheapest Madison, Alabama Auto Insurance Companies

What auto insurance companies in Madison, Alabama are the cheapest? Compare the top Madison, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Madison, Alabama

Insurance Company Average Annual Rates
Allstate $3,205
Farmers $3,952
GEICO $2,591
Liberty Mutual $4,950
Nationwide $2,725
Progressive $4,363
State Farm $4,677
Travelers $3,275
USAA $2,021

What affects auto insurance rates in Madison, Alabama?

There are a lot of reasons why auto insurance rates in Madison, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madison, Alabama. Many local factors may affect your Madison auto insurance rates.

Madison Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Madison, Alabama commute length is 19.8 minutes according to City-Data.

Madison Traffic

How does Madison, Alabama rank for traffic? According to Inrix Madison, Alabama is the 798th most congested worldwide.

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Compare Madison, Alabama Auto Insurance Quotes

Before you buy Madison, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Madison, Alabama auto insurance quotes.

Free Auto Insurance Comparison

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

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