Best Cheap Auto Insurance in Madison, CT (2021)

The average Madison, CT auto insurance rates are $359 per month. The minimum auto insurance in Madison is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Madison, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 16, 2021

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Things to Remember

  • The average commute length in Madison is 30.0 minutes
  • The most expensive auto insurance company in Madison for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Madison, Connecticut is 25/50/20

Madison, Connecticut auto insurance requirements are 25/50/20 according to Connecticut 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, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Madison to other Connecticut cities, including Danbury auto insurance rates, Stamford auto insurance rates, and New Haven auto insurance rates to see how Madison, Connecticut auto insurance rates stack up.

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

Minimum Auto Insurance in Madison, Connecticut

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

Minimum Required Auto Insurance Coverage in Madison, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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

Auto insurance rates in Madison, Connecticut 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, Connecticut

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 $3,313 $3,291 $3,042 $3,255 $10,042 $11,850 $3,483 $3,677
GEICO $2,129 $2,135 $1,974 $1,990 $4,948 $5,855 $2,054 $1,994
Liberty Mutual $3,611 $3,935 $2,782 $3,440 $17,967 $20,277 $3,650 $3,980
Nationwide $2,062 $2,085 $1,858 $1,946 $5,616 $7,110 $2,382 $2,557
Progressive $2,274 $2,123 $1,944 $2,017 $9,499 $10,531 $2,605 $2,928
State Farm $1,638 $1,638 $1,506 $1,506 $4,921 $6,180 $1,838 $2,108
Travelers $1,618 $1,640 $1,621 $1,616 $12,525 $20,342 $1,759 $1,955
USAA $2,086 $2,061 $1,951 $1,922 $6,637 $6,949 $2,798 $2,892

Cheap Madison, Connecticut Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madison, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,042 $11,850
GEICO $4,948 $5,855
Liberty Mutual $17,967 $20,277
Nationwide $5,616 $7,110
Progressive $9,499 $10,531
State Farm $4,921 $6,180
Travelers $12,525 $20,342
USAA $6,637 $6,949

Cheap Madison, Connecticut Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,042 $3,255
GEICO $1,974 $1,990
Liberty Mutual $2,782 $3,440
Nationwide $1,858 $1,946
Progressive $1,944 $2,017
State Farm $1,506 $1,506
Travelers $1,621 $1,616
USAA $1,951 $1,922

Cheap Madison, Connecticut 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, Connecticut compared to the annual auto insurance rates with a clean record in Madison, Connecticut.

Annual Madison, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,474 $5,504 $6,524 $4,474
GEICO $1,822 $2,389 $5,093 $2,236
Liberty Mutual $6,530 $8,169 $8,098 $7,025
Nationwide $2,618 $3,396 $3,882 $2,912
Progressive $3,616 $5,254 $3,800 $4,291
State Farm $2,485 $2,727 $2,727 $2,727
Travelers $4,341 $4,700 $6,828 $5,669
USAA $2,631 $3,311 $5,075 $2,631

Cheap Madison, Connecticut Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madison, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,524
GEICO $5,093
Liberty Mutual $8,098
Nationwide $3,882
Progressive $3,800
State Farm $2,727
Travelers $6,828
USAA $5,075

Cheap Madison, Connecticut Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, Connecticut

Insurance Company Poor Fair Good
Allstate $6,664 $5,053 $4,015
GEICO $4,195 $2,532 $1,928
Liberty Mutual $10,586 $6,596 $5,185
Nationwide $4,229 $2,850 $2,527
Progressive $4,612 $4,141 $3,968
State Farm $3,705 $2,378 $1,917
Travelers $6,102 $5,096 $4,955
USAA $4,507 $3,048 $2,681

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Cheap Madison, Connecticut Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madison, Connecticut

ZIP Code Average Annual Rates
6443 $4,355

Cheap Madison, Connecticut Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madison, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,244 $5,244
GEICO $2,841 $2,929
Liberty Mutual $7,455 $7,455
Nationwide $3,202 $3,202
Progressive $4,240 $4,240
State Farm $2,602 $2,732
Travelers $5,384 $5,384
USAA $3,371 $3,453

Cheap Madison, Connecticut Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madison, Connecticut

Insurance Company Low Medium High
Allstate $4,989 $5,238 $5,505
GEICO $2,672 $2,851 $3,132
Liberty Mutual $7,141 $7,394 $7,831
Nationwide $3,253 $3,223 $3,130
Progressive $3,969 $4,205 $4,546
State Farm $2,504 $2,671 $2,826
Travelers $4,936 $5,343 $5,874
USAA $3,174 $3,416 $3,646

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Best By Category: Cheapest Auto Insurance in Madison, Connecticut

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

Best Annual Auto Insurance Rates by Company in Madison, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Madison, Connecticut Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, Connecticut

Insurance Company Average Annual Rates
Allstate $5,244
GEICO $2,885
Liberty Mutual $7,455
Nationwide $3,202
Progressive $4,240
State Farm $2,667
Travelers $5,384
USAA $3,412

What affects auto insurance rates in Madison, Connecticut?

There are a lot of reasons why auto insurance rates in Madison, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madison, Connecticut. 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, Connecticut commute length is 30.0 minutes according to City-Data.

Madison Traffic

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

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Compare Madison, Connecticut Auto Insurance Quotes

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