Best Cheap Auto Insurance in Madison, NC (2021)

The average Madison, NC auto insurance rates are $262 per month. The minimum auto insurance in Madison is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Madison, North Carolina, 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: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Madison, North Carolina is 30/60/25
  • The cheapest auto insurance company in Madison is Liberty Mutual
  • Average auto insurance rates in Madison, NC for senior drivers are $2,366 per year

Madison, North Carolina auto insurance requirements are 30/60/25 according to North Carolina 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, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Madison to other North Carolina cities, including Concord auto insurance rates, Winston-Salem auto insurance rates, and Durham auto insurance rates to see how Madison, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Madison, North Carolina

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

Minimum Required Auto Insurance Coverage in Madison, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Madison, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Madison, North Carolina 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, North Carolina

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 $5,215 $5,215 $4,283 $4,283 $12,462 $12,462 $5,317 $5,317
GEICO $2,423 $2,376 $2,380 $2,335 $4,417 $4,378 $2,115 $2,102
Liberty Mutual $1,683 $1,683 $1,742 $1,742 $2,926 $2,926 $1,683 $1,683
Nationwide $2,241 $2,241 $2,241 $2,241 $3,744 $3,744 $2,241 $2,241
Progressive $1,624 $1,624 $1,464 $1,464 $3,770 $3,770 $1,810 $1,810
State Farm $2,333 $2,333 $2,018 $2,018 $3,432 $3,432 $2,883 $2,883
Travelers $2,478 $2,478 $2,458 $2,458 $4,143 $4,143 $2,544 $2,544

Cheap Madison, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madison, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,462 $12,462
GEICO $4,417 $4,378
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,770 $3,770
State Farm $3,432 $3,432
Travelers $4,143 $4,143

Cheap Madison, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,283 $4,283
GEICO $2,380 $2,335
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,464 $1,464
State Farm $2,018 $2,018
Travelers $2,458 $2,458

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

Annual Madison, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,688 $6,491 $12,105 $4,993
GEICO $1,549 $2,266 $5,348 $2,099
Liberty Mutual $1,193 $1,535 $3,771 $1,535
Nationwide $1,534 $1,988 $4,958 $1,988
Progressive $1,016 $1,486 $4,728 $1,437
State Farm $1,437 $2,056 $5,118 $2,056
Travelers $1,727 $2,264 $5,402 $2,231

Cheap Madison, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madison, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,105
GEICO $5,348
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,728
State Farm $5,118
Travelers $5,402

Cheap Madison, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, North Carolina

Insurance Company Poor Fair Good
Allstate $9,243 $5,985 $5,230
GEICO $3,055 $2,801 $2,591
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,463 $2,110 $1,928
State Farm $3,746 $2,394 $1,859
Travelers $3,102 $2,823 $2,792

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Cheap Madison, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madison, North Carolina

ZIP Code Average Annual Rates
27025 $2,849

Cheap Madison, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madison, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,819 $6,819
GEICO $2,816 $2,816
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,167 $2,167
State Farm $2,650 $2,683
Travelers $2,906 $2,906

Cheap Madison, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madison, North Carolina

Insurance Company Low Medium High
Allstate $6,596 $6,797 $7,065
GEICO $2,698 $2,806 $2,944
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,061 $2,154 $2,285
State Farm $2,573 $2,654 $2,772
Travelers $2,790 $2,891 $3,037

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Best By Category: Cheapest Auto Insurance in Madison, North Carolina

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

Best Annual Auto Insurance Rates by Company in Madison, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Madison, North Carolina Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, North Carolina

Insurance Company Average Annual Rates
Allstate $6,819
GEICO $2,816
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,167
State Farm $2,667
Travelers $2,906

What affects auto insurance rates in Madison, North Carolina?

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

Madison Traffic

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

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Compare Madison, North Carolina Auto Insurance Quotes

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