Best Cheap Auto Insurance in Madison, WI (2021)

The average Madison, WI auto insurance rates are $233 per month. The minimum auto insurance in Madison is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Madison, Wisconsin, 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 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Madison for teen drivers is Farmers
  • The cheapest auto insurance company in Madison is American Family
  • The average commute length in Madison is 19.6 minutes

Madison, Wisconsin auto insurance requirements are 25/50/10 according to Wisconsin 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, Wisconsin, including driving record, credit, commute time, and more.

Compare auto insurance in Madison to other Wisconsin cities, including Waukesha auto insurance rates, Appleton auto insurance rates, and Eau Claire auto insurance rates to see how Madison, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Madison, Wisconsin

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

Minimum Required Auto Insurance Coverage in Madison, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Madison, Wisconsin 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, Wisconsin

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 $2,217 $2,332 $2,052 $2,265 $7,337 $9,393 $2,243 $2,435
American Family $966 $1,006 $935 $933 $3,265 $3,584 $1,169 $1,245
Farmers $1,865 $1,861 $1,647 $1,752 $9,221 $9,557 $2,122 $2,210
GEICO $1,069 $1,193 $1,132 $1,319 $3,727 $4,021 $987 $1,007
Liberty Mutual $1,541 $1,673 $1,243 $1,404 $5,632 $6,300 $1,638 $1,766
Nationwide $2,970 $3,107 $2,484 $2,605 $6,405 $9,897 $3,637 $4,241
Progressive $1,679 $1,579 $1,382 $1,445 $6,782 $7,621 $2,018 $2,193
State Farm $1,265 $1,265 $1,146 $1,146 $3,931 $4,930 $1,434 $1,657
USAA $1,272 $1,262 $1,162 $1,171 $3,332 $3,842 $1,640 $1,788

Cheap Madison, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Madison, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,337 $9,393
American Family $3,265 $3,584
Farmers $9,221 $9,557
GEICO $3,727 $4,021
Liberty Mutual $5,632 $6,300
Nationwide $6,405 $9,897
Progressive $6,782 $7,621
State Farm $3,931 $4,930
USAA $3,332 $3,842

Cheap Madison, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,052 $2,265
American Family $935 $933
Farmers $1,647 $1,752
GEICO $1,132 $1,319
Liberty Mutual $1,243 $1,404
Nationwide $2,484 $2,605
Progressive $1,382 $1,445
State Farm $1,146 $1,146
USAA $1,162 $1,171

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

Annual Madison, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,080 $4,245 $3,975 $3,837
American Family $1,566 $1,662 $1,662 $1,662
Farmers $3,288 $4,170 $3,943 $3,716
GEICO $1,231 $2,031 $2,386 $1,580
Liberty Mutual $2,014 $2,898 $2,986 $2,701
Nationwide $3,736 $4,321 $5,295 $4,321
Progressive $2,820 $3,444 $2,933 $3,153
State Farm $1,908 $2,286 $2,097 $2,097
USAA $1,511 $1,913 $2,584 $1,727

Cheap Madison, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Madison, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,975
American Family $1,662
Farmers $3,943
GEICO $2,386
Liberty Mutual $2,986
Nationwide $5,295
Progressive $2,933
State Farm $2,097
USAA $2,584

Cheap Madison, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,963 $3,420 $2,970
American Family $2,188 $1,447 $1,278
Farmers $4,257 $3,620 $3,460
GEICO $2,367 $1,692 $1,362
Liberty Mutual $3,804 $2,321 $1,824
Nationwide $4,967 $4,144 $4,144
Progressive $3,483 $2,989 $2,790
State Farm $3,128 $1,796 $1,367
USAA $2,964 $1,576 $1,261

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Cheap Madison, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Madison, Wisconsin

ZIP Code Average Annual Rates
53562 $2,705
53593 $2,663
53703 $2,753
53704 $2,761
53705 $2,765
53706 $2,801
53711 $2,724
53713 $2,751
53714 $2,747
53715 $2,751
53716 $2,702
53717 $2,730
53718 $2,682
53719 $2,745
53725 $2,866
53726 $2,767
53744 $2,829

Cheap Madison, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Madison, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,693 $3,875
American Family $1,610 $1,667
Farmers $3,779 $3,779
GEICO $1,776 $1,838
Liberty Mutual $2,650 $2,650
Nationwide $4,418 $4,418
Progressive $3,087 $3,087
State Farm $2,045 $2,149
USAA $1,909 $1,958

Cheap Madison, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Madison, Wisconsin

Insurance Company Low Medium High
Allstate $3,632 $3,776 $3,945
American Family $1,613 $1,655 $1,646
Farmers $3,453 $3,750 $4,135
GEICO $1,683 $1,812 $1,926
Liberty Mutual $2,437 $2,678 $2,835
Nationwide $4,266 $4,420 $4,569
Progressive $2,881 $3,120 $3,261
State Farm $1,963 $2,105 $2,223
USAA $1,859 $1,936 $2,006

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Best By Category: Cheapest Auto Insurance in Madison, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Madison, Wisconsin

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

The Cheapest Madison, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,784
American Family $1,638
Farmers $3,779
GEICO $1,807
Liberty Mutual $2,650
Nationwide $4,418
Progressive $3,087
State Farm $2,097
USAA $1,934

What affects auto insurance rates in Madison, Wisconsin?

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

Madison Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Madison, Wisconsin auto theft statistics, there have been 532 auto thefts in the city.

Madison Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Madison, Wisconsin commute length is 19.6 minutes according to City-Data.

Madison Traffic

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

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Compare Madison, Wisconsin Auto Insurance Quotes

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