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

Liability-Only CoverageAuto-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

Overview

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 and cons

Pros

Variety of discounts and coverage options advertised
Purchase price guarantee

Cons

No online quotes
Won’t file an SR-22 on your behalf

Reviews

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

DiscountsTravelers

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

Overview

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 and cons

Pros

Numerous discounts
Accident forgiveness and minor violation forgiveness

Cons

Smaller bundling discount than some competitors
Rideshare insurance isn’t available in AL

Reviews

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

Full CoverageCountry 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

Overview

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 and cons

Pros

Free online quotes
Unique add-on coverages available

Cons

No accident forgiveness
No gap insurance

Reviews

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 Company	Average Monthly Quote
Auto-Owners	34
USAA	34
State Farm	35
Allstate	38
COUNTRY Financial	38
Travelers	48
National General	50
GEICO	52
Direct Auto	58
State Auto	61
Progressive	63
Farmers	64
Foremost	65
AssuranceAmerica	66
Safeco	68
Clearcover	78
Midvale Home & Auto	85
Liberty Mutual	93
Bristol West	117
GAINSCO	127

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 Company	Average Monthly Quote
Auto-Owners	65
State Farm	65
USAA	65
Allstate	71
COUNTRY Financial	72
Travelers	96
GEICO	97
Nationwide	105
Direct Auto	108
Clearcover	115
National General	119
Progressive	119
AssuranceAmerica	120
Farmers	121
Safeco	124
Midvale Home & Auto	147
State Auto	165
Foremost	167
Liberty Mutual	174
GAINSCO	211
Bristol West	264

Estimate your Madison car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 38%

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]

Coverage	Minimum 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:

Comprehensive coverage

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

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.

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.

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.

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

Insurify partners with top insurance companies to provide real-time auto quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

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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 Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	103	54
State Farm	103	55
USAA	103	54
Allstate	112	60
COUNTRY Financial	114	60
Travelers	152	76
GEICO	153	82
Direct Auto	171	92
Clearcover	182	123
National General	188	79
Progressive	188	99
AssuranceAmerica	190	104
Farmers	191	101
Safeco	196	107
Midvale Home & Auto	232	134
State Auto	261	96
Foremost	264	103
Liberty Mutual	275	147
GAINSCO	333	201
Bristol West	417	185

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 Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	103	54
State Farm	103	56
USAA	103	54
Allstate	113	60
COUNTRY Financial	115	60
Travelers	153	76
GEICO	154	83
Direct Auto	172	92
Clearcover	183	124
National General	189	80
Progressive	189	100
AssuranceAmerica	191	105
Farmers	193	102
Safeco	197	108
Midvale Home & Auto	234	135
State Auto	263	97
Foremost	266	103
Liberty Mutual	277	148
GAINSCO	336	202
Bristol West	420	186

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 Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	116	61
State Farm	116	63
USAA	116	61
Allstate	127	68
COUNTRY Financial	129	68
Travelers	172	86
GEICO	174	93
Direct Auto	193	104
Clearcover	206	140
National General	213	90
Progressive	213	113
AssuranceAmerica	215	118
Farmers	217	115
Safeco	222	122
Midvale Home & Auto	263	152
State Auto	296	109
Foremost	299	116
Liberty Mutual	312	167
GAINSCO	378	228
Bristol West	473	210

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 Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	33	17
State Farm	33	18
USAA	33	17
Allstate	36	19
COUNTRY Financial	37	19
Travelers	49	25
GEICO	50	27
Direct Auto	55	30
Clearcover	59	40
National General	61	26
Progressive	61	32
AssuranceAmerica	62	34
Farmers	62	33
Safeco	64	35
Midvale Home & Auto	75	44
State Auto	85	31
Foremost	86	33
Liberty Mutual	89	48
GAINSCO	108	65
Bristol West	135	60

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 Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	121	63
State Farm	121	65
USAA	121	63
Allstate	132	71
COUNTRY Financial	134	71
Travelers	179	90
GEICO	181	97
Direct Auto	202	108
Clearcover	215	146
National General	222	93
Progressive	222	118
AssuranceAmerica	224	123
Farmers	226	119
Safeco	231	127
Midvale Home & Auto	274	159
State Auto	308	114
Foremost	312	121
Liberty Mutual	325	174
GAINSCO	394	237
Bristol West	493	218

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

Insurify partners with top insurance companies to provide real-time auto quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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.

City	Average Monthly Quote	Compared to Madison
Bessemer	$287	14%
Birmingham	$254	1%
Huntsville	$229	-9%
Mobile	$280	11%
Montgomery	$260	3%
Tuscaloosa	$260	3%

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.

More cities in Alabama

Popular cities

Sources

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

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Madison, AL

Best car insurance companies in Madison

Best insurer for liability-only coverage: Auto-Owners

Liability-Only CoverageAuto-Owners

Best insurer for discounts: Travelers

DiscountsTravelers

Best insurer for full coverage: COUNTRY Financial

Full CoverageCountry Financial

Cheapest liability-only car insurance in Madison

Cheapest full-coverage car insurance in Madison

Estimate your Madison car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Alabama

Comprehensive coverage

Collision coverage

Uninsured/underinsured motorist coverage

Medical payments coverage

Rental car reimbursement

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Madison, Alabama

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Madison

Find Car Insurance in Madison, Alabama

Madison car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Madison?

More cities in Alabama

Madison, Alabama, car insurance FAQs

Methodology

Related articles

More cities in Alabama

Popular cities

Sources

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