Cheap Auto Insurance in Madison, Alabama (2024)

Auto-Owners is the cheapest insurer for Madison, with liability-only policies starting as low as $36 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 29, 2024

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Cheapest recent rates near Madison, Alabama

Recent Madison, Alabama car insurance prices for Ford, Dodge, KIA , and more.

*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Madison's comparatively low accident and fatality rate, educated population, and location outside of the traffic congestion of Huntsville all play a role in the city's affordable car insurance. Average car insurance costs in Madison are on par with Alabama's state average.

Drivers in Madison see average car insurance rates of $158 per month for full-coverage car insurance, and $62 for liability-only policies. That's close to the Alabama averages of $163 and $62, respectively.

Drivers may be able to save even more by comparing car insurance quotes from top insurers serving the Madison area. Here’s what you need to know about finding affordable car insurance in Madison.

Quick Facts
  • Auto-Owners, State Farm, and USAA offer the lowest car insurance rates in Madison.

  • The city of Madison is part of Madison County, where law enforcement recorded just 38 fatalities in 2022.[1]

  • Per the contributory negligence laws in Alabama, you can’t recover damages from another party’s car insurance policy if you’re partially responsible for a car accident.[2]

Best car insurance companies in Madison

Consider factors like your budget, driving record, and coverage preferences while shopping for the best car insurance company in Madison. This can help you find the right auto insurance policy for your needs.

To make your search a bit easier, Insurify did some research and found a few of the best auto insurers in Madison based on AM Best ratings, customer satisfaction, average quotes, and more.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$69$37Liability-only coverage
Travelers4.5$94$51Discounts
COUNTRY Financial4.5$76$41Full coverage
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$36/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.
$67/mo

Auto-Owners car insurance made its debut in 1916. It offers highly customizable, affordable coverage and a long list of discounts. Its unique coverage options include a purchase price guarantee and at-fault accident forgiveness. The auto insurer also earned an A++ financial strength rating from AM Best.

Pros
  • Variety of discounts and coverage options advertised

  • Purchase price guarantee

Cons
  • No online quotes

  • Won’t file an SR-22 on your behalf

Read our Auto-Owners review
Xenophon - May 27, 2024
Verified

Very Professional

The service provided was very professional.

James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Best insurer for discounts: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$50/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.
$92/mo

Travelers is one of the largest car insurers in the U.S. It’s been around for more than 165 years and offers plenty of add-on coverages and discounts to help policyholders save money on premiums. Travelers has discounts for owning a home, driving an eco-friendly vehicle, insuring a new car, paying premiums up front and in full, and more.

Pros
  • Numerous discounts

  • Accident forgiveness and minor violation forgiveness

Cons
  • Smaller bundling discount than some competitors

  • Rideshare insurance isn’t available in Alabama

Read our Travelers review
John - May 29, 2024
Verified

Car Insurance Rate Review, May 2024

The service was fine, I was strictly shopping for rates.

Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

Best insurer for full coverage: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$40/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.
$74/mo

COUNTRY Financial was founded by a group of farmers in 1925. It’s an independent insurance agency with a lineup of financial services and car insurance products that include standard coverages as well as optional coverages, like safety glass coverage, personal effects coverage, new car replacement coverage, and vehicle rental and trip interruption coverage.

Pros
  • Free online quotes

  • Unique add-on coverages available

Cons
  • No accident forgiveness

  • No gap insurance

Read our Country Financial review
Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

Margaret - March 26, 2024
Verified

Fair

Every year, they raise my car or home insurance. I'm looking for a better deal.

Megan - May 27, 2023
Verified

Excellent

Philip is personable and overall makes dealing with insurance and claims easier.

How to get the cheapest car insurance in Madison

You’ll need to shop around to lock in the most affordable car insurance and right coverage for your unique budget and needs. Here are some tips to help you find the best deal on car insurance in Madison:

  • Do your research. It’s a good idea to get free car insurance quotes from at least three different companies. Then, compare different rates and coverage options to find the best rate and right policy. Independent agents can also help you with your search.

  • Secure discounts. Many car insurance companies offer discounts that you can learn about through an insurance agent or on the insurer’s website. A few examples include the good student discount, loyalty discount, and multi-car discount for insuring two cars with one policy.

  • Bundle policies. If you also need another type of insurance policy, like homeowners insurance, renters insurance, or property insurance, you may want to bundle it to save some money.

  • Explore pay-per-mile insurance. If you only drive on occasion, pay-per-mile insurance may be the way to go. It’s a great value because you’ll only pay for the miles you drive.

Cheapest liability-only car insurance in Madison: Auto-Owners

Alabama requires all drivers to carry at least the state minimum amount of liability car insurance of 25/50/25.[3] This type of policy pays for the other driver’s property damage and medical costs after you cause an accident. Because it’s the least amount of car insurance you can purchase and drive legally, liability-only insurance is often the cheapest car insurance option.

Here are the most affordable liability-only auto insurance quotes in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners36
State Farm36
USAA36
Allstate39
COUNTRY Financial40
Travelers50
National General52
GEICO54
Direct Auto57
Nationwide61
Progressive65
Farmers66
Safeco70
AssuranceAmerica72
Clearcover73
Foremost84
Midvale Home & Auto90
Liberty Mutual101
Bristol West119
GAINSCO119
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: Auto-Owners

Full-coverage car insurance can provide you with some extra protection for vehicle damage. It’s typically made up of liability, collision, and comprehensive insurance. If you have a lease or loan on your vehicle, your lienholder may require this type of auto insurance policy.

Full-coverage car insurance may also include medical payments or personal injury protection coverages, which pay for your and your passengers’ medical costs from an accident, regardless of fault.

The table below shows the cheapest full-coverage car insurance quotes in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners67
State Farm67
USAA67
Allstate73
COUNTRY Financial74
Travelers92
GEICO100
Nationwide115
Safeco117
National General119
Progressive123
Clearcover125
Farmers125
AssuranceAmerica129
Direct Auto137
Midvale Home & Auto149
Liberty Mutual178
State Auto189
Foremost206
GAINSCO229
Bristol West281
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.

How Much Other Insurify Customers Pay in and around Madison, Alabama

Drivers in and around Madison, Alabama have found policies from National General, AssuranceAmerica, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Alabama

Because Alabama is a tort state — also called an at-fault state — the liable driver is responsible for property damage and injury expenses after an accident. It’s also important to note that the state follows the contributory negligence rule, so if you’re even partly at fault for an accident, you might not be able to recover damages. Also, drivers must provide proof of auto insurance after an accident or when pulled over to avoid consequences.

Here are Alabama’s minimum car insurance requirements:[3]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

Alabama’s minimum car insurance requirements might not be enough coverage for drivers in various situations. If you want more protection on Madison roads, consider these optional car insurance coverages:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage can pay to repair or replace your vehicle after a non-collision event, like fire, flood, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle if you hit another driver or a stationary object, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can pay for your expenses if a driver without car insurance or with insufficient coverage hits you.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage is similar to personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, no matter who’s responsible.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    If your car is in the shop for repairs after an accident and you’re unable to drive it, rental car reimbursement can help cover the cost of a rental car.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are all examples of incidents that may raise your car insurance rates. Madison drivers with clean records usually land the lowest premiums. The good news is you can still find cheap auto insurance if you have an incident on your driving record.

Here are the cheapest car insurance companies in Madison for drivers with incidents.

Shop for Car Insurance in Madison

Minimum coverage starts at $46/mo. for Madison drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding was a factor in 2% of fatal crashes in Alabama in 2022.[1] Driving faster than the speed limit can make it challenging to react properly in dangerous situations and often results in car accidents. For this reason, drivers with speeding tickets usually pay higher car insurance costs.

Madison drivers cited for speeding see average car insurance rates of $248 per month for full coverage and $97 for liability only. Here’s a look at average monthly minimum-coverage rates in Madison for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners3649
State Farm3649
USAA3649
Allstate3953
COUNTRY Financial4056
Travelers5069
National General5278
GEICO5474
Direct Auto5779
Nationwide6184
Progressive6589
Farmers6690
Safeco7097
AssuranceAmerica72101
Clearcover73101
Foremost84126
Midvale Home & Auto90127
Liberty Mutual101152
Bristol West119161
GAINSCO119179
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: State Farm

In 2022, nearly 12,000 car accidents happened in Madison County.[1] If you’re responsible for an accident, you can expect your car insurance premiums to increase since insurance companies view you as a high-risk driver likely to file more claims.

If you get into an at-fault accident in Madison, you'll likely face average monthly car insurance rates of $258 for full coverage and $101 for minimum coverage. The table below highlights average monthly quotes from the cheapest car insurance companies for Madison drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners3651
State Farm3651
USAA3652
Allstate3956
COUNTRY Financial4059
Travelers5072
National General5274
GEICO5478
Direct Auto5783
Nationwide6188
Progressive6595
Farmers6694
Safeco7097
AssuranceAmerica72104
Clearcover73111
Foremost84131
Midvale Home & Auto90136
Liberty Mutual101157
Bristol West119168
GAINSCO119165
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: State Farm

Alabama law enforcement cited 6,751 people for driving under the influence of drugs or alcohol in 2022.[1] A DUI can lead to serious consequences, such as costly fines, jail time, and higher auto insurance coverage, especially if you have to file an SR-22.

A DUI significantly increases average car insurance rates in Madison to $289 per month for full coverage and $114 for liability-only coverage. Here’s an overview of the average monthly quotes from different insurers for Madison drivers with a DUI on their records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners3663
State Farm3663
USAA3663
Allstate3968
COUNTRY Financial4070
Travelers5088
National General5291
GEICO5495
Direct Auto57100
Nationwide61107
Progressive65114
Farmers66116
Safeco70123
AssuranceAmerica72126
Clearcover73128
Foremost84147
Midvale Home & Auto90158
Liberty Mutual101177
Bristol West119209
GAINSCO119209
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: Auto-Owners

Age-related impairments, like poor vision and slow reflexes, make seniors a greater risk on the road. Average premiums usually decrease around age 35 and then increase a bit around age 70. Despite senior drivers’ general risk increase, they often pay cheaper premiums than other age groups.

Senior drivers in Madison see average monthly rates of $44 for minimum-coverage car insurance and $113 for full coverage. This table shows the cheapest monthly auto insurance quotes for seniors in Madison, Alabama.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm4826
Auto-Owners4926
USAA5027
COUNTRY Financial5429
Allstate5529
Travelers6736
GEICO7440
Nationwide8042
Progressive8243
Safeco8852
National General8939
Farmers9048
AssuranceAmerica9151
Clearcover9354
Direct Auto9841
Midvale Home & Auto10563
Liberty Mutual13174
Foremost14961
GAINSCO17490
Bristol West21089
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: COUNTRY Financial

Because teenagers and young adults are less experienced drivers, they often pay more expensive car insurance rates. To land a lower rate on an auto policy, teens can secure a good student discount or stay on their parents’ car insurance.

Teen drivers in Madison with their own policies pay, on average, $289 per month for full coverage and $113 for liability only. The insurers below offer the cheapest monthly auto insurance prices for teens and young drivers in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
COUNTRY Financial11059
USAA11260
State Farm11461
Auto-Owners11662
Allstate12969
GEICO15986
Travelers16791
Nationwide198105
Farmers222117
National General22398
Progressive224118
AssuranceAmerica241135
Clearcover245143
Safeco246147
Direct Auto252105
Midvale Home & Auto261158
Liberty Mutual334189
Foremost367150
GAINSCO413215
Bristol West482204
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.

Find Car Insurance in Madison, Alabama

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Madison car insurance quotes by credit tier

Insurance companies believe that drivers with good to excellent credit file fewer claims than drivers with poor credit. This is why some car insurance companies consider credit history when determining premiums. Unlike some states, Alabama allows car insurers to use credit history to determine rates, but it can’t be the only factor they consider.[4]

The chart below illustrates how credit can affect car insurance rates for Madison drivers.

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?

The average rate of a liability-only auto policy in the U.S. is $104 per month. For full coverage, the average monthly cost is $215. Madison’s car insurance costs are currently lower than national averages and on par with Alabama's state averages. Car insurance premiums vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers.[5]

Car insurance may be cheaper in Madison because other areas, like Jefferson County, reported more car accidents in 2022 than Madison County did. Madison’s inland location also may protect it from hurricane and flooding damages, unlike coastal cities, like Mobile. Additionally, Madison has fewer residents than cities like Montgomery and Mobile, further contributing to cheaper average rates.[6]

More cities in Alabama

Here’s a comparison of average monthly quotes for other Alabama cities.

CityFull CoverageLiability Only
Auburn$159$61
Birmingham$187$70
Huntsville$153$64
Mobile$192$71
Montgomery$183$70
Tuscaloosa$177$65
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, Alabama, car insurance FAQs

Check out Insurify’s guide on rising car insurance rates and the answers to common questions about Madison car insurance below.

  • How much is car insurance in Madison, Alabama?

    Car insurance in Madison costs, on average, $158 per month for full coverage and $62 for liability-only insurance. Many other factors affect car insurance rates besides location. Your age, gender, driving record, and vehicle also play a role, so your actual rates may be more or less than the averages in your area.

  • What are the cheapest car insurance companies in Madison, Alabama?

    Auto-Owners offers the lowest car insurance rates in Madison, with liability-only policies starting at $36 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, State Farm and USAA. Their minimum coverage rates start at $36 and $36, respectively.

  • What are the best car insurance companies in Madison?

    Some of the best car insurance companies in Madison include Auto-Owners, COUNTRY Financial, and Travelers. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, or plenty of coverage options for drivers to choose from.

    But the best insurer for you depends on your coverage needs and budget. Compare car insurance quotes from at least three different companies to see which one offers the best price for the coverage you need.

  • What are the minimum auto insurance requirements in Madison, Alabama?

    Alabama requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[3]

  • How do you find affordable car insurance rates in Madison, Alabama?

    Comparing auto insurance quotes is one of the best ways to find affordable coverage in any city, including Madison. Plus, researching insurers’ discounts and choosing a company that offers the most discounts can get you lower premiums and get cheaper insurance. Using a quote-comparison site can help you find companies that offer the lowest quotes for your driver profile and coverage preferences.

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.

Sources

  1. Alabama Department of Transportation. "Crash Facts 2022."
  2. Nolo. "Alabama Car Accident Laws."
  3. Alabama Department of Insurance. "AUTOMOBILE INSURANCE FAQS."
  4. Alabama Department of Insurance. "How Credit-Based Insurance Scores Impact Your Premium."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. U.S. Census Bureau. "QuickFacts Madison city, Alabama."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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