Best Cheap Auto Insurance in Madison, Alabama (2023)

Car insurance in Madison is a bit higher than Alabama’s average, so it’s important to shop around to find cheap premiums.

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 September 20, 2023

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Madison is admired for its top-notch schools and quaint downtown area. It’s one of the fastest-growing cities in Alabama and has car insurance rates that are a tad more expensive than the state’s average.

On average, Madison drivers pay $140 per month for liability-only car insurance and $252 per month for full coverage. Here’s what you need to know about finding affordable car insurance in Madison.

Quick Facts
  • The average cost of full-coverage car insurance in Madison is 5% more expensive than the state average.

  • Average car insurance rates are slightly cheaper in Madison than in Birmingham, Mobile, and Montgomery.

  • 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.[1]

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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.

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.
4.1
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.
$34/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.
$65/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

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
Read our Auto-Owners review

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.
4.3
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.
$48/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.
$96/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 AL

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

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.
3.9
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.
$38/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.
$72/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

Average customer service from the agent

Michael - December 27, 2022
Verified

Worked with them for many years; never had issues, and our agent always had our best interests at heart

Shirley - October 2, 2022
Verified

Great price and customer service

Wendy - June 2, 2021
Verified
Read our Country Financial review

Cheapest liability-only car insurance in Madison

Liability car insurance is required to drive legally in Alabama. Drivers must carry the minimum limits of 25/50/25.[2] 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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners34
USAA34
State Farm35
Allstate38
COUNTRY Financial38
Travelers48
National General50
GEICO52
Direct Auto58
State Auto61
Progressive63
Farmers64
Foremost65
AssuranceAmerica66
Safeco68
Clearcover78
Midvale Home & Auto85
Liberty Mutual93
Bristol West117
GAINSCO127
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

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners65
State Farm65
USAA65
Allstate71
COUNTRY Financial72
Travelers96
GEICO97
Nationwide105
Direct Auto108
Clearcover115
National General119
Progressive119
AssuranceAmerica120
Farmers121
Safeco124
Midvale Home & Auto147
State Auto165
Foremost167
Liberty Mutual174
GAINSCO211
Bristol West264
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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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:[2]

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, Alabama

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Cheapest car insurance for drivers with a speeding ticket

Speeding was the leading cause of crashes in Alabama in 2020.[3] 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.

Here’s a look at the cheapest car insurance companies in Madison for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners10354
State Farm10355
USAA10354
Allstate11260
COUNTRY Financial11460
Travelers15276
GEICO15382
Direct Auto17192
Clearcover182123
National General18879
Progressive18899
AssuranceAmerica190104
Farmers191101
Safeco196107
Midvale Home & Auto232134
State Auto26196
Foremost264103
Liberty Mutual275147
GAINSCO333201
Bristol West417185
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

In 2020, 9,632 car accidents happened in Madison County.[3] 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.[4]

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners10354
State Farm10356
USAA10354
Allstate11360
COUNTRY Financial11560
Travelers15376
GEICO15483
Direct Auto17292
Clearcover183124
National General18980
Progressive189100
AssuranceAmerica191105
Farmers193102
Safeco197108
Midvale Home & Auto234135
State Auto26397
Foremost266103
Liberty Mutual277148
GAINSCO336202
Bristol West420186
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

Alabama reported 158 deaths in 5,106 crashes with suspected alcohol or drug impairment in Alabama in 2020, according to the Alabama Department of Transportation.[3] 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.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners11661
State Farm11663
USAA11661
Allstate12768
COUNTRY Financial12968
Travelers17286
GEICO17493
Direct Auto193104
Clearcover206140
National General21390
Progressive213113
AssuranceAmerica215118
Farmers217115
Safeco222122
Midvale Home & Auto263152
State Auto296109
Foremost299116
Liberty Mutual312167
GAINSCO378228
Bristol West473210
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

Age-related impairments, like poor vision and slow reflexes, make seniors a greater risk on the road.[5] Average premiums usually decrease around age 35 and then increase a bit around age 75. Despite senior drivers’ general risk increase, they often pay cheaper premiums than other age groups.

This table shows the cheapest monthly auto insurance quotes for seniors in Madison, Alabama.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners3317
State Farm3318
USAA3317
Allstate3619
COUNTRY Financial3719
Travelers4925
GEICO5027
Direct Auto5530
Clearcover5940
National General6126
Progressive6132
AssuranceAmerica6234
Farmers6233
Safeco6435
Midvale Home & Auto7544
State Auto8531
Foremost8633
Liberty Mutual8948
GAINSCO10865
Bristol West13560
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

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.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners12163
State Farm12165
USAA12163
Allstate13271
COUNTRY Financial13471
Travelers17990
GEICO18197
Direct Auto202108
Clearcover215146
National General22293
Progressive222118
AssuranceAmerica224123
Farmers226119
Safeco231127
Midvale Home & Auto274159
State Auto308114
Foremost312121
Liberty Mutual325174
GAINSCO394237
Bristol West493218
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 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.

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 scores 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.[6]

The chart below shows that Madison drivers with excellent credit pay an average of $194 per month for car insurance, while drivers with poor credit pay an average of $391 per month.

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 $106 per month. For full coverage, the average monthly cost is $172. Madison’s car insurance costs are more expensive than the national average. Car insurance premiums vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers.[7]

Car insurance may be cheaper in Madison because other areas, like Jefferson County, reported more car accidents in 2020 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.[8]

More cities in Alabama

Here’s a comparison of the average quote for full-coverage car insurance in Madison and other Alabama cities’ average quotes.

CityAverage Monthly QuoteCompared to Madison
Bessemer$28714%
Birmingham$2541%
Huntsville$229-9%
Mobile$28011%
Montgomery$2603%
Tuscaloosa$2603%
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?

    The average cost of car insurance in Madison is $140 a month for liability only and $252 a month for full coverage.

  • 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.[2]

  • 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. Nolo. "Alabama Car Accident Statute of Limitations, Alabama Contributory Negligence Rule." Accessed August 8, 2023
  2. Alabama Department of Insurance. "Automobile Insurance FAQs." Accessed August 8, 2023
  3. Alabama Department of Transportation. "2020 Crash Facts." Accessed August 8, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed August 8, 2023
  5. III. "Senior driving safety and insurance tips." Accessed August 8, 2023
  6. Alabama Department of Insurance. "How Credit-Based Insurance Scores Impact Your Premium." Accessed August 8, 2023
  7. III. "What determines the price of an auto insurance policy?." Accessed August 8, 2023
  8. U.S. Census Bureau. "QuickFacts: Madison city, Alabama; Mobile city, Alabama; Montgomery city, Alabama." Accessed August 8, 2023
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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