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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 $170 per month for full-coverage car insurance, and $61 for liability-only policies. That's close to the Alabama averages of $160 and $60, 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
8.5
$68
$37
Liability-only coverage
Travelers
9.0
$93
$51
Discounts
COUNTRY Financial
8.8
$76
$41
Full 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 more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/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.
$71/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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/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.
$97/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
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/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.
$79/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.
The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.
Linda - July 15, 2024
Verified
Great Customer Service
I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.
Brian - July 15, 2024
Verified
Great until complications arose...
Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!
…
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 buy it from the same company your auto insurance is with. Bundling can give you a discount of 5% or more.
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. These policies generally work best for drivers who have older, less-expensive vehicles that are paid off.
Here are the most affordable liability-only auto insurance quotes in Madison.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$39
State Farm
$39
USAA
$39
Allstate
$42
COUNTRY Financial
$43
Travelers
$53
National General
$56
GEICO
$58
Direct Auto
$60
Nationwide
$66
Progressive
$70
Farmers
$71
Safeco
$77
AssuranceAmerica
$79
Clearcover
$81
Foremost
$91
Midvale Home & Auto
$92
GAINSCO
$117
Liberty Mutual
$121
Bristol West
$124
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
Though more expensive than a liability-only policy, 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, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$71
USAA
$71
State Farm
$72
Allstate
$77
COUNTRY Financial
$79
Travelers
$97
GEICO
$107
Nationwide
$122
Safeco
$128
National General
$130
Progressive
$131
Farmers
$132
Clearcover
$137
AssuranceAmerica
$143
Direct Auto
$147
Midvale Home & Auto
$158
Liberty Mutual
$207
Foremost
$228
GAINSCO
$251
Bristol West
$301
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.
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]
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.
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 $51/mo. for Madison drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: USAA
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 $271 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With Ticket
Auto-Owners
$39
$54
State Farm
$39
$54
USAA
$39
$54
Allstate
$42
$58
COUNTRY Financial
$43
$61
Travelers
$53
$74
National General
$56
$77
GEICO
$58
$80
Direct Auto
$60
$83
Nationwide
$66
$92
Progressive
$70
$97
Farmers
$71
$98
Safeco
$77
$108
AssuranceAmerica
$79
$111
Clearcover
$81
$113
Foremost
$91
$137
Midvale Home & Auto
$92
$132
GAINSCO
$117
$176
Liberty Mutual
$121
$182
Bristol West
$124
$171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
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 $280 for full coverage and $100 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With Accident
Auto-Owners
$39
$56
State Farm
$39
$56
USAA
$39
$56
Allstate
$42
$61
COUNTRY Financial
$43
$64
Travelers
$53
$77
National General
$56
$82
GEICO
$58
$84
Direct Auto
$60
$89
Nationwide
$66
$96
Progressive
$70
$103
Farmers
$71
$102
Safeco
$77
$108
AssuranceAmerica
$79
$114
Clearcover
$81
$125
Foremost
$91
$143
Midvale Home & Auto
$92
$140
GAINSCO
$117
$163
Liberty Mutual
$121
$190
Bristol West
$124
$177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
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 $314 per month for full coverage and $113 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With DUI
Auto-Owners
$39
$69
State Farm
$39
$69
USAA
$39
$69
Allstate
$42
$74
COUNTRY Financial
$43
$76
Travelers
$53
$94
National General
$56
$99
GEICO
$58
$102
Direct Auto
$60
$106
Nationwide
$66
$117
Progressive
$70
$124
Farmers
$71
$125
Safeco
$77
$136
AssuranceAmerica
$79
$139
Clearcover
$81
$143
Foremost
$91
$161
Midvale Home & Auto
$92
$162
GAINSCO
$117
$207
Liberty Mutual
$121
$214
Bristol West
$124
$219
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: State Farm
Seniors are more at risk of getting into an accident, and being seriously injured in an accident, than middle-aged drivers. Average premiums usually decrease around age 25 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 $124 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Auto-Owners
$52
$29
State Farm
$52
$28
USAA
$53
$29
Allstate
$58
$32
COUNTRY Financial
$59
$32
Travelers
$71
$39
GEICO
$80
$43
Nationwide
$85
$46
Progressive
$87
$47
National General
$95
$41
Farmers
$96
$52
Safeco
$98
$59
AssuranceAmerica
$101
$56
Clearcover
$103
$61
Direct Auto
$107
$44
Midvale Home & Auto
$113
$66
Liberty Mutual
$157
$92
Foremost
$167
$67
GAINSCO
$195
$91
Bristol West
$226
$93
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, and are more likely to get into accidents, they often pay more expensive car insurance rates. To land a lower rate on an auto policy, teens can secure a good student discount, complete an approved driver education course, and stay on their parents’ car insurance.
Teen drivers in Madison with their own policies pay, on average, $316 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
COUNTRY Financial
$119
$65
USAA
$121
$66
Auto-Owners
$124
$68
State Farm
$125
$68
Allstate
$138
$75
GEICO
$173
$94
Travelers
$178
$97
Nationwide
$213
$115
Farmers
$237
$127
Progressive
$241
$129
National General
$255
$110
AssuranceAmerica
$270
$149
Safeco
$270
$162
Clearcover
$271
$160
Direct Auto
$273
$111
Midvale Home & Auto
$278
$162
Liberty Mutual
$387
$226
Foremost
$413
$165
GAINSCO
$454
$212
Bristol West
$523
$215
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 $105 per month. For full coverage, the average monthly cost is $214. 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.
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, $170 per month for full coverage and $61 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 $39 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 $39 and $39, 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.
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.
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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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