Best Cheap Auto Insurance in Madison, NJ (2021)

The average Madison, NJ auto insurance rates are $390 per month. The minimum auto insurance in Madison is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Madison, New Jersey, 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, New Jersey is 15/30/5
  • The most expensive auto insurance company in Madison for teen drivers is Farmers
  • The cheapest auto insurance company in Madison is GEICO

Madison, New Jersey auto insurance requirements are 15/30/5 according to New Jersey 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, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Madison to other New Jersey cities, including Trenton auto insurance rates, Passaic auto insurance rates, and Jersey City auto insurance rates to see how Madison, New Jersey auto insurance rates stack up.

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

Minimum Auto Insurance in Madison, New Jersey

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

Minimum Required Auto Insurance Coverage in Madison, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Madison, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Madison, New Jersey 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, New Jersey

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 $2,946 $2,930 $2,834 $2,834 $9,415 $11,859 $3,428 $3,618
Farmers $4,232 $4,273 $4,092 $4,027 $12,639 $14,551 $5,048 $5,252
GEICO $1,854 $1,821 $1,810 $1,810 $3,358 $3,398 $2,124 $2,093
Liberty Mutual $3,583 $3,583 $3,930 $3,930 $9,206 $10,444 $3,930 $4,504
Progressive $1,776 $1,657 $1,606 $1,629 $8,107 $9,157 $2,107 $2,085
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,721 $2,669 $2,514 $2,557 $6,315 $7,201 $2,680 $2,684

Cheap Madison, New Jersey Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madison, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,415 $11,859
Farmers $12,639 $14,551
GEICO $3,358 $3,398
Liberty Mutual $9,206 $10,444
Progressive $8,107 $9,157
State Farm $11,692 $15,026
Travelers $6,315 $7,201

Cheap Madison, New Jersey Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,834 $2,834
Farmers $4,092 $4,027
GEICO $1,810 $1,810
Liberty Mutual $3,930 $3,930
Progressive $1,606 $1,629
State Farm $3,272 $3,272
Travelers $2,514 $2,557

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

Annual Madison, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,733 $6,205 $5,449 $4,544
Farmers $5,213 $8,912 $7,202 $5,730
GEICO $1,785 $2,334 $3,229 $1,785
Liberty Mutual $5,178 $5,915 $5,284 $5,178
Progressive $3,064 $4,007 $3,452 $3,540
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,834 $4,168 $4,030 $3,640

Cheap Madison, New Jersey Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madison, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,449
Farmers $7,202
GEICO $3,229
Liberty Mutual $5,284
Progressive $3,452
State Farm $9,781
Travelers $4,030

Cheap Madison, New Jersey Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, New Jersey

Insurance Company Poor Fair Good
Allstate $6,850 $4,516 $3,582
Farmers $7,957 $6,341 $5,995
GEICO $3,420 $1,983 $1,447
Liberty Mutual $6,812 $5,067 $4,287
Progressive $3,908 $3,440 $3,199
State Farm $8,893 $5,377 $4,200
Travelers $4,865 $3,615 $2,523

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Cheap Madison, New Jersey Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madison, New Jersey

ZIP Code Average Annual Rates
7940 $4,470

Cheap Madison, New Jersey Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madison, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,973 $4,992
Farmers $6,764 $6,764
GEICO $2,265 $2,302
Liberty Mutual $5,337 $5,441
Progressive $3,516 $3,516
State Farm $6,004 $6,309
Travelers $3,668 $3,668

Cheap Madison, New Jersey Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madison, New Jersey

Insurance Company Low Medium High
Allstate $4,635 $5,050 $5,263
Farmers $6,219 $6,756 $7,318
GEICO $2,051 $2,329 $2,469
Liberty Mutual $4,849 $5,547 $5,770
Progressive $3,254 $3,566 $3,726
State Farm $5,773 $6,228 $6,469
Travelers $3,382 $3,674 $3,948

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Best By Category: Cheapest Auto Insurance in Madison, New Jersey

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

Best Annual Auto Insurance Rates by Company in Madison, New Jersey

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

The Cheapest Madison, New Jersey Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, New Jersey

Insurance Company Average Annual Rates
Allstate $4,983
Farmers $6,764
GEICO $2,283
Liberty Mutual $5,389
Progressive $3,516
State Farm $6,157
Travelers $3,668

What affects auto insurance rates in Madison, New Jersey?

There are a lot of reasons why auto insurance rates in Madison, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madison, New Jersey. 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, New Jersey commute length is 31.3 minutes according to City-Data.

Madison Traffic

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

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Compare Madison, New Jersey Auto Insurance Quotes

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