Affordable Car Insurance Rates in Madison, WI (2024)
Car insurance rates in Madison, WI are $233/month on average. By law, Wisconsin drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Madison car insurance companies to get the coverage you need at the best rates available.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Madison for teen drivers is American Family
- The cheapest car insurance company in Madison after a DUI is American Family
- Average car insurance rates in Madison, WI for senior drivers are $1,512/year
Average car insurance rates in Madison, Wisconsin are $233 a month. But with a little research you can get a great deal from the top car insurance companies in Madison, WI. Before you buy Madison, Wisconsin car insurance, make sure your coverage meets or exceeds the Wisconsin minimum of 25/50/10.
It may even be helpful to compare Madison car insurance rates with Milwaukee car insurance rates, Waukesha car insurance rates, or Janesville car insurance rates to make sure you’re getting the best Madison, WI car insurance quotes available.
Need affordable Madison, WI car insurance? Enter your ZIP code to compare Madison car insurance quotes from multiple car insurance companies near you.
Madison, WI Minimum Car Insurance Coverage
Madison, Wisconsin law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.
| 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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Madison, WI Car Insurance Rates by Coverage Level
Some Madison drivers can get by with the Wisconsin minimum coverage of 25/50/10. Other drivers may need more. See how much your Madison, Wisconsin car insurance rates may be based on the coverage you need.
| 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 |
Madison, WI Car Insurance Rates by Age, Gender, and Marital Status
Madison, Wisconsin car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Madison, WI car insurance, get quotes from multiple car insurance companies in the Madison area and see how these criteria affect your rates.
| 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 |
Madison, WI Car Insurance Rates for Teens
How much is Madison, Wisconsin car insurance for teens? Compare rates from top Madison car insurance companies below to help find the cheapest teen car insurance in Madison, WI.
| 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 |
Madison, WI Car Insurance Rates for Seniors
Before seniors buy Madison, Wisconsin car insurance, they should make sure to shop around. Some Madison, WI car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Madison, WI Car Insurance Rates by Credit History
How does your credit history affect Madison, WI car insurance rates? Review the numbers here to find out.
| 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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Madison, WI Car Insurance Rates by Driver History
How does a single speeding ticket affect your Madison, Wisconsin car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Madison.
| 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 |
Madison, WI Car Insurance Rates With a DUI
Even a single DUI can increase your Madison, WI car insurance rates. Compare rates below to see which Madison car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car 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 |
Madison, WI Car Insurance Rates by ZIP Code
Just like Madison car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Madison, WI car insurance rates fluctuate by ZIP code.
| 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 |
Madison, WI Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Madison, WI car insurance rates may be. Let’s take a look at average car insurance rates from top Madison companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
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Madison, WI Cheapest Car Insurance Rates
How do the top Madison, Wisconsin car insurance companies’ average rates stack up against the Madison average monthly car insurance rates of $233? Take a look and see.
| 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 |
Madison, WI Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Madison, Wisconsin car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Madison, WI Car Insurance Rates
Before you buy Madison, Wisconsin car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Madison, WI Car Theft Rates
The car theft rate in Madison, WI will affect your car insurance rates. FBI data shows that the annual car theft rate for Madison, Wisconsin is 532 stolen cars.
Madison, WI Commute Time
How does your Madison, WI commute time compare with the average driver? In Madison, the average commute is 19.6 minutes.
Madison, WI Traffic
Spending time in Madison traffic can lead to higher car insurance rates. According to INRIX data, Madison, WI ranks as the 798th-most congested with traffic in the world.
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Madison, WI Car Insurance Quotes
Compare Madison, WI car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.