Best Cheap Auto Insurance in Madison, KS (2021)

The average Madison, KS auto insurance rates are $279 per month. The minimum auto insurance in Madison is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Madison, Kansas, 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 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Madison for teen drivers is Liberty Mutual
  • The average commute length in Madison is 22.8 minutes
  • The cheapest auto insurance company in Madison is American Family

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

Compare auto insurance in Madison to other Kansas cities, including Salina auto insurance rates, Overland Park auto insurance rates, and Lawrence auto insurance rates to see how Madison, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Madison, Kansas

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

Minimum Required Auto Insurance Coverage in Madison, Kansas

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, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Madison, Kansas 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, Kansas

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 $2,921 $2,846 $2,594 $2,670 $7,834 $8,726 $3,015 $3,133
American Family $1,735 $1,735 $1,566 $1,566 $3,337 $3,999 $1,735 $1,948
Farmers $2,443 $2,420 $2,181 $2,281 $6,639 $6,861 $2,752 $2,892
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,400 $2,594 $2,276 $2,539 $10,892 $12,164 $2,635 $2,855
Nationwide $1,849 $1,916 $1,638 $1,776 $3,570 $4,399 $2,118 $2,262
Progressive $2,291 $2,178 $1,846 $1,929 $8,558 $9,652 $2,711 $2,913
State Farm $1,749 $1,749 $1,523 $1,523 $4,523 $5,783 $1,962 $2,209
Travelers $2,004 $2,039 $1,957 $1,980 $8,107 $12,633 $2,052 $2,416
USAA $1,437 $1,469 $1,313 $1,333 $4,807 $5,062 $1,895 $1,989

Cheap Madison, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madison, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,337 $3,999
Farmers $6,639 $6,861
GEICO $4,439 $5,960
Liberty Mutual $10,892 $12,164
Nationwide $3,570 $4,399
Progressive $8,558 $9,652
State Farm $4,523 $5,783
Travelers $8,107 $12,633
USAA $4,807 $5,062

Cheap Madison, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,566 $1,566
Farmers $2,181 $2,281
GEICO $2,443 $2,273
Liberty Mutual $2,276 $2,539
Nationwide $1,638 $1,776
Progressive $1,846 $1,929
State Farm $1,523 $1,523
Travelers $1,957 $1,980
USAA $1,313 $1,333

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

Annual Madison, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,650 $4,252 $4,882 $4,085
American Family $2,166 $2,316 $2,166 $2,166
Farmers $2,997 $3,859 $3,762 $3,617
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,624 $5,432 $5,337 $4,785
Nationwide $1,813 $2,095 $3,767 $2,089
Progressive $3,705 $4,331 $3,871 $4,132
State Farm $2,447 $2,808 $2,627 $2,627
Travelers $3,020 $3,942 $5,441 $4,191
USAA $1,765 $2,373 $3,494 $2,020

Cheap Madison, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madison, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,882
American Family $2,166
Farmers $3,762
GEICO $4,922
Liberty Mutual $5,337
Nationwide $3,767
Progressive $3,871
State Farm $2,627
Travelers $5,441
USAA $3,494

Cheap Madison, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,876 $2,036 $1,697
Farmers $4,199 $3,334 $3,143
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,794 $4,794 $4,794
Nationwide $2,725 $2,378 $2,219
Progressive $4,592 $3,865 $3,573
State Farm $3,826 $2,286 $1,771
Travelers $4,794 $3,903 $3,748
USAA $3,299 $2,163 $1,778

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Cheap Madison, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madison, Kansas

ZIP Code Average Annual Rates
66860 $3,527

Cheap Madison, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madison, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,217 $4,217
American Family $2,175 $2,231
Farmers $3,559 $3,559
GEICO $3,027 $3,159
Liberty Mutual $4,794 $4,794
Nationwide $2,441 $2,441
Progressive $4,010 $4,010
State Farm $2,562 $2,693
Travelers $4,149 $4,149
USAA $2,341 $2,485

Cheap Madison, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madison, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $2,228 $2,314 $2,067
Farmers $3,411 $3,539 $3,727
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,689 $4,784 $4,910
Nationwide $2,575 $2,412 $2,336
Progressive $3,797 $3,979 $4,254
State Farm $2,538 $2,634 $2,711
Travelers $3,936 $4,154 $4,355
USAA $2,328 $2,406 $2,504

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Best By Category: Cheapest Auto Insurance in Madison, Kansas

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

Best Annual Auto Insurance Rates by Company in Madison, Kansas

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

The Cheapest Madison, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $2,203
Farmers $3,559
GEICO $3,093
Liberty Mutual $4,794
Nationwide $2,441
Progressive $4,010
State Farm $2,628
Travelers $4,149
USAA $2,413

What affects auto insurance rates in Madison, Kansas?

There are a lot of reasons why auto insurance rates in Madison, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madison, Kansas. 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, Kansas commute length is 22.8 minutes according to City-Data.

Madison Traffic

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

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Compare Madison, Kansas Auto Insurance Quotes

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