Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates near Madison, Wisconsin
Recent Madison, Wisconsin car insurance prices for Ford, Mitsubishi, Nissan , and more.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average monthly cost of auto insurance in Madison, Wisconsin, is $61 for a liability-only policy and $133 for full coverage. This is on par with the state average of $62 for liability coverage and $149 for a full-coverage policy.
Wisconsin drivers pay lower rates than the overall national average rate, perhaps partially due to the state’s at-fault system. Ultimately, the cost of your auto insurance policy will vary depending on your driving record, marital status, credit history, and the type of vehicle you drive.[1]
Here’s what you should know about finding auto coverage in Madison.
Quick Facts
USAA, Auto-Owners, and State Farm are the three cheapest insurers in Madison.
Wisconsin law allows auto insurers to consider your credit information when determining your premium.[2]
Because Wisconsin is an at-fault state, the driver who caused the accident is responsible for covering the costs of the other driver’s resulting injury and vehicle damage.[3]
Best car insurance companies in Madison
Car insurance rates can vary quite a bit depending on the company you choose. Overall, USAA, State Farm, and Auto-Owners offer the best car insurance options for Madison drivers.
But the best auto insurance policy for you depends on your specific insurance needs, so it’s a good idea to compare your coverage options and speak to an insurance agent about your options.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
USAA
9.4
$42
$22
Veterans
State Farm
9.3
$43
$23
Safe drivers
Auto-Owners
8.5
$44
$23
New vehicles
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$21/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$42/mo
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA has been in business for more than 100 years and receives high ratings for customer satisfaction. The company offers low rates for active-duty military members, veterans, and their families. Nearly 9,000 veterans currently live in Madison, so many drivers in the city can benefit from coverage from USAA.
Pros
High customer satisfaction ratings
Discount of up to 30% via SafePilot safe driving program
Cons
Exclusive eligibility requirements for active-duty military members, veteranas, and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers insurance products in all 50 states and gives policyholders numerous opportunities to save on auto insurance. Safe drivers can use the Drive Safe & Save program to save up to 30% on car insurance. The company offers customizable coverage and bundling opportunities.
Pros
Rideshare insurance available
Above-average J.D. Power customer satisfaction rating in the North Central region
Cons
Doesn’t offer gap insurance
Potentially not the most affordable option for drivers with traffic violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Founded in 1916, Auto-Owners offers policyholders Purchase Price Guarantee, Total Loss, and gap insurance coverages, which can all benefit owners of new cars. If your financed, newer vehicle is totaled, these coverages can help you receive the original cost of the vehicle and pay off any remaining loan or lease balance. Additionally, Auto-Owners at least 13 discounts, including savings tied to how you pay for coverage, whether you bundle policies, and more.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Multiple available coverages to help protect new cars
Cons
Not available in every state
Online quotes not available
How to get the cheapest car insurance in Madison
Insurance companies look at a variety of factors to determine your auto insurance rates. Insurers use different parameters, but most look at your driving history, location, age, and deductible.
Here are five ways to find lower rates on car insurance in Madison:
Choose a higher deductible. You’ll pay an out-of-pocket deductible before your insurance company pays an insurance claim. The higher your deductible, the less you’ll pay each month for auto insurance.
Choose a safer car. Most insurance companies will lower your premium if your car has safety features like airbags, anti-lock brakes, and alarm systems.
Bundle your insurance coverage. Another way to save is by bundling your auto policy with home insurance, renters insurance, or life insurance.
Shop around. Different insurance companies offer different rates and discounts, so you should shop around among different insurers. An online comparison tool is a good way to compare rates from multiple insurers simultaneously.
Cheapest liability-only car insurance in Madison: USAA
Liability-only car insurance covers the other driver’s vehicle damages and medical expenses if you cause an auto accident. It doesn’t pay for any of your car repairs or medical bills you incur.[4]
Because liability insurance is less expensive than full coverage, some drivers choose it to save money on auto insurance. It makes the most sense for drivers with inexpensive or older vehicles.
Here are the cheapest options for liability-only insurance in Madison.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$21
Auto-Owners
$22
State Farm
$22
Erie
$29
GEICO
$29
American Family
$31
Mile Auto
$33
Chubb
$36
Farmers
$43
Nationwide
$43
GAINSCO
$47
Clearcover
$50
Progressive
$50
Safeco
$54
Travelers
$55
Allstate
$62
Dairyland
$63
National General
$64
Liberty Mutual
$69
Bristol West
$75
Direct Auto
$78
The General
$78
State Auto
$82
Foremost
$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Madison: USAA
Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. It offers you the most protection if you have an auto accident. Full-coverage insurance can also kick in for damages from vandalism, theft, falling objects, and more.
Because full-coverage insurance comes with more robust protection, it costs more than liability-only insurance. Here are some of the cheapest full-coverage quotes for Madison drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$42
State Farm
$43
Auto-Owners
$44
Mile Auto
$52
Erie
$57
GEICO
$58
American Family
$62
Chubb
$71
Clearcover
$79
Safeco
$83
Farmers
$84
Nationwide
$85
Midvale Home & Auto
$95
Progressive
$101
Travelers
$108
Allstate
$123
Liberty Mutual
$123
State Auto
$145
National General
$154
The General
$177
Direct Auto
$179
GAINSCO
$189
Dairyland
$193
Bristol West
$217
Foremost
$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Madison, Wisconsin
Recent Madison, Wisconsin car insurance prices for Toyota, Honda, Dodge , and more.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wisconsin
All Wisconsin drivers must meet the state’s minimum liability requirements to drive a car in the state. Operating a motor vehicle without insurance will result in a fine of $500.
Here are the state’s minimum legal requirements:[5]
Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:
Uninsured motorist coverage
Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.
Medical payments coverage
Medical payments coverage, also called MedPay, can cover medical bills and hospital visits for you and your passengers following an accident. It can even kick in to cover funeral expenses.
Collision coverage
If you have a car accident, collision coverage pays to repair or replace your vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damage and loss related to non-collision incidents. For example, comprehensive insurance covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or broken into.[6]
Cheapest car insurance for drivers with an incident
Many factors influence your car insurance premiums, but your driving history may have the biggest effect. Drivers with a clean record pay the lowest rates for auto insurance. If you have a history of driving incidents — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — you can expect to pay more for insurance.
Find Car Insurance in Madison After an Accident
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Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding is one of the biggest causes of auto accidents. On average, 18,000 speeding-related crashes occur in Wisconsin every year, according to the Wisconsin Department of Transportation. If you receive a speeding ticket in Madison, you may face a fine between $200 and $800, depending on the violation.[7]
Your insurance premiums will also usually increase after receiving a speeding ticket. In Madison, you might pay $94 per month for a liability-only policy with a speeding ticket on your record.
The following table compares monthly liability quotes for Madison drivers with clean records versus those with speeding violations.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Record
▲▼
With Ticket
▲▼
USAA
$21
$29
Auto-Owners
$22
$30
State Farm
$22
$30
Erie
$29
$40
GEICO
$29
$39
American Family
$31
$42
Mile Auto
$33
$46
Chubb
$36
$50
Farmers
$43
$58
Nationwide
$43
$59
GAINSCO
$47
$69
Clearcover
$50
$69
Progressive
$50
$68
Safeco
$54
$75
Travelers
$55
$75
Allstate
$62
$84
Dairyland
$63
$86
National General
$64
$88
Liberty Mutual
$69
$101
Bristol West
$75
$102
Direct Auto
$78
$106
The General
$78
$107
State Auto
$82
$121
Foremost
$107
$157
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
At-fault accidents are another driving incident that cause premiums to increase. Every time you file a claim request for an at-fault accident, your insurance company has to pay for repairs to your vehicle and the other driver’s vehicle. This makes you more expensive to insure, and your insurer could decide not to renew your policy if you have multiple at-fault accidents.[8]
Madison drivers with an at-fault accident pay a monthly average of $94 for liability-only insurance. Here are the cheapest liability insurance options for Madison drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Record
▲▼
With Accident
▲▼
USAA
$21
$29
Auto-Owners
$22
$31
State Farm
$22
$31
Erie
$29
$41
GEICO
$29
$41
American Family
$31
$43
Mile Auto
$33
$48
Chubb
$36
$51
Farmers
$43
$60
Nationwide
$43
$61
GAINSCO
$47
$63
Clearcover
$50
$75
Progressive
$50
$71
Safeco
$54
$74
Travelers
$55
$78
Allstate
$62
$87
Dairyland
$63
$88
National General
$64
$90
Liberty Mutual
$69
$103
Bristol West
$75
$104
Direct Auto
$78
$111
The General
$78
$111
State Auto
$82
$125
Foremost
$107
$160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a major offense in Wisconsin, and your first incident would result in a fine between $150 and $300. You’d also face driver’s license revocation for six to nine months.[9] Additional violations will lead to higher fines and possible jail time.
Your auto insurance rates typically increase significantly after you get a DUI, and in some cases, your insurer may drop you as a customer. If you’ve been convicted of a DUI, you might pay as much as $106 per month in Madison for a minimum coverage policy.
Here are some of the cheapest liability-only quotes for Madison drivers with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Record
▲▼
With DUI
▲▼
USAA
$21
$36
Auto-Owners
$22
$37
State Farm
$22
$37
Erie
$29
$49
GEICO
$29
$49
American Family
$31
$53
Mile Auto
$33
$56
Chubb
$36
$61
Farmers
$43
$73
Nationwide
$43
$73
GAINSCO
$47
$80
Clearcover
$50
$85
Progressive
$50
$85
Safeco
$54
$92
Travelers
$55
$93
Allstate
$62
$105
Dairyland
$63
$107
National General
$64
$109
Liberty Mutual
$69
$117
Bristol West
$75
$127
Direct Auto
$78
$132
The General
$78
$132
State Auto
$82
$139
Foremost
$107
$182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age can affect your car insurance premium. Most people see their auto insurance rates decrease after the age of 35. But once you reach 75, rates can start creeping back up again because senior drivers are more likely to have a car accident and face injury.[10]
A liability-only policy for a senior driver in Madison costs $41 per month, on average.
Fortunately, seniors can save money on auto insurance by enrolling in an approved defensive driving course or taking advantage of low-mileage discounts. Here are the cheapest insurers for senior drivers in Madison.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$15
$30
USAA
$15
$30
Auto-Owners
$16
$31
Erie
$20
$39
GEICO
$21
$42
American Family
$22
$44
Mile Auto
$23
$35
Chubb
$24
$47
Nationwide
$29
$57
Farmers
$30
$59
Progressive
$32
$65
GAINSCO
$36
$144
Clearcover
$38
$60
Travelers
$39
$77
Safeco
$41
$64
National General
$44
$107
Allstate
$45
$90
Dairyland
$46
$140
Liberty Mutual
$52
$93
Bristol West
$54
$158
Direct Auto
$55
$126
State Auto
$56
$100
The General
$58
$131
Foremost
$77
$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers pay some of the highest rates for auto insurance due to their lack of driving experience. Motor vehicle crashes are the leading cause of death for U.S. teens. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[11]
Teenage and young drivers in Madison pay a monthly average of $106 for liability-only coverage. Young drivers can find more affordable car insurance by earning good student discounts or driving a safe vehicle. Joining your parents’ existing insurance policy is another way to secure the best rate.
Here are the cheapest options for teenage drivers in Madison.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
USAA
$35
$70
Auto-Owners
$37
$74
State Farm
$37
$73
GEICO
$46
$92
Erie
$49
$96
American Family
$54
$107
Mile Auto
$64
$100
Chubb
$68
$133
Nationwide
$74
$146
Farmers
$75
$147
GAINSCO
$82
$329
Progressive
$89
$179
Clearcover
$96
$151
Travelers
$99
$194
Dairyland
$103
$315
Safeco
$108
$165
Allstate
$109
$216
Liberty Mutual
$122
$217
The General
$124
$281
Bristol West
$126
$365
National General
$126
$302
Direct Auto
$141
$325
State Auto
$145
$257
Foremost
$189
$519
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Madison car insurance quotes by credit tier
Wisconsin is one of many states that allows insurance companies to consider credit history when determining insurance premiums. Some research shows that drivers with bad credit file more insurance claims, which is why insurers may adjust rates accordingly.
Drivers with excellent or good credit scores pay less for auto insurance than people with poor credit scores. Here’s what Madison drivers can expect to pay for full-coverage car insurance by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Madison?
Madison's car insurance rates are on part with Wisconsin's state averages, but lower than national averages. In Madison, full coverage averages $133 per month while liability-only coverage is $61 per month. Wisconsin's averages are $149 for full coverage and $55 for minimum coverage, while the national averages are $211 and $104, respectively.
Wisconsin car insurance rates can vary depending on your city and your ZIP code. For example, if you live in a city with higher rates of vandalism, you can expect to pay more for auto insurance. You’ll also pay more for insurance if you live in a big city than in a small town.
More cities in Wisconsin
Here are monthly rates in some other Wisconsin cities.
City
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Kenosha
$138
$67
Milwaukee
$208
$90
Racine
$139
$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Madison car insurance FAQs
Before you compare quotes from multiple insurers, you should decide how much coverage you need. The following information should help you navigate the process of buying cheap car insurance in Madison, Wisconsin.
How much is car insurance in Madison, Wisconsin?
The overall average cost of car insurance in Madison is $97 per month. On average, Madison drivers pay $61 per month for liability coverage and $133 for full-coverage insurance, according to Insurify data.
Who has the cheapest car insurance in Madison?
USAA offers the cheapest car insurance quotes in Madison, with liability-only rates starting at $21 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, Auto-Owners and State Farm, which have minimum-coverage rates as low as $22 and $22, respectively.
Your actual quotes may be higher or lower than average, based on factors specific to you like your age, gender, and driving history.
What are the best car insurance companies in Madison?
USAA, State Farm, and Auto-Owners are among the best insurers offering coverage for Madison drivers. All three offer competitive rates, have good financial strength ratings from AM Best, and IQ scores of 4 (out of 5) or better. That said, the best insurer for you may be different, based on your individual rating factors and coverage needs. Comparing quotes from multiple companies is the best way to find the coverage you need at an affordable price.
How much is car insurance in Wisconsin per month?
Car insurance in Wisconsin costs $105 per month, on average. Drivers in the state pay $62 per month for liability coverage and $149 for full-coverage insurance.
What is the minimum coverage for car insurance in Wisconsin?
Wisconsin drivers must carry a minimum of $10,000 per accident in property damage liability coverage, as well as $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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