120+ more*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on October 9, 2026. 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 October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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30+ years in financial services
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.
Updated
In Madison, Alabama, drivers pay an average of $71 per month for liability-only coverage and $133 per month for full-coverage car insurance. That’s similar to Alabama’s statewide averages.
Nearby Huntsville, which borders Madison, has similarly priced coverage, averaging $70 per month for liability coverage and $137 for full coverage. Decatur is somewhat cheaper, with average monthly rates of $62 for liability coverage and $125 for full coverage.
Madison drivers may pay more for car insurance due to the city’s higher population density. Madison has 1,875 residents per square mile, but Decatur has 1,066 residents per square mile.[1] Living in a more densely populated area means more traffic and more exposure to accidents.
National General offers the cheapest liability-only car insurance in Madison, at $39 per month. The citywide liability-only average is $71 per month.
In most states, drivers must carry a minimum amount of car insurance. Alabama’s car insurance requirements include the following:[2]
$25,000 of bodily injury liability per person
$50,000 of bodily injury liability per accident
$25,000 of property damage liability
The following table shows the cheapest liability-only car insurance quotes in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $39 |
| Auto-Owners | $43 |
| Progressive | $43 |
| USAA | $43 |
| State Farm | $44 |
| Allstate | $45 |
| Country Financial | $47 |
| Direct Auto | $50 |
| Excepsure | $54 |
| AssuranceAmerica | $55 |
| First Acceptance | $57 |
| Travelers | $59 |
| The General | $60 |
| Trexis | $64 |
| GEICO | $65 |
| GAINSCO | $69 |
| Bristol West | $70 |
| Hugo | $77 |
| Farmers | $79 |
| Safeco | $83 |
| Dairyland | $90 |
| Insurify Car | $94 |
| Root | $109 |
| Liberty Mutual | $119 |
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National General offers the cheapest full-coverage car insurance rates in Madison, at $88 per month. That’s quite a bit less than the citywide average of $133.
Severe thunderstorms are the most common weather-related hazard in Madison County.[3] Comprehensive coverage, part of a full-coverage car insurance policy, covers most weather-related damage, including flooding, hail, falling objects, and flying debris.
The following table shows the cheapest full-coverage car insurance quotes in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $88 |
| Auto-Owners | $92 |
| State Farm | $92 |
| USAA | $92 |
| Allstate | $98 |
| Progressive | $99 |
| Country Financial | $101 |
| Direct Auto | $109 |
| AssuranceAmerica | $121 |
| Travelers | $126 |
| GEICO | $137 |
| The General | $143 |
| Trexis | $156 |
| Safeco | $161 |
| Bristol West | $170 |
| Farmers | $170 |
| First Acceptance | $174 |
| Root | $179 |
| GAINSCO | $189 |
| Liberty Mutual | $202 |
| Dairyland | $217 |
Dothan drivers pay the lowest car insurance rates in Alabama, with rates averaging $90 per month. Birmingham drivers pay the highest average rates, at $123 per month. Madison’s rates fall between the two extremes, but neighboring Decatur’s run a little lower.
The vehicle theft rates in these cities may partly explain those differences. In 2025, Madison County reported 182 motor vehicle thefts, according to data from Alabama’s Crime Dashboard. In Birmingham’s Jefferson County, there were 248 vehicle thefts, and in Dothan’s Houston County, there were 115.
The table below shows average car insurance quotes for several Alabama cities so you can compare rates across the state.
City | Average Monthly Quote |
|---|---|
| Dothan | $90 |
| Decatur | $94 |
| Auburn | $99 |
| Enterprise | $102 |
| Oxford | $103 |
| Huntsville | $104 |
| Tuscaloosa | $109 |
| Daphne | $113 |
| Montgomery | $120 |
| Mobile | $121 |
| Birmingham | $123 |
*Quotes generated for Insurify users in and around Madison, Alabama within the last 10 days. Last updated on October 9, 2026. 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 October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects how much you pay for car insurance in Madison. For example, Madison drivers with a driving under the influence (DUI) conviction pay more for car insurance than drivers with clean records.
Here are the cheapest insurers for different driving records in Madison.
Cheapest car insurance for Madison drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Madison: National General
Cheapest car insurance for Madison drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Madison: National General
Alabama is an at-fault state that follows a pure contributory negligence rule. The at-fault driver’s insurance generally pays for damages from the accident. But you could lose the right to recover damages from another driver if you share any responsibility for the crash.[4]
In Madison, an at-fault accident also raises your car insurance rates. Around 6.2% of Madison drivers have a ticket, 5.8% have been in an at-fault accident, and 0.58% have a DUI, according to Insurify data.
The following table shows average monthly quotes for Madison drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $102 |
| Speeding ticket | $137 |
| At-fault accident | $142 |
| DUI | $141 |
Expect slowdowns during rush hour on Interstate 565 and U.S. Route 72 as commuters head to and from Cummings Research Park, home to technology firms, research facilities, and educational institutions, and Redstone Arsenal, the U.S. Army base.
Heavy rain can also cause problems on Madison roads. The city has a number of springs, creeks, and tributaries, and these low-lying areas are prone to flooding. Avoid driving through standing water during and after heavy rains.
Tornadoes can also cause problems for Madison drivers. Alabama is part of “Dixie Alley,” the Gulf Coast area with a relatively high frequency of tornadoes in October through December.[5] It’s a good idea to buy comprehensive coverage to pay for flood and storm damage to your car.
Madison drivers spend less time commuting to work — around 20 minutes compared to the statewide average of nearly 26 minutes. Shorter commutes may mean less time on busy roads like I-565 and Route 72, where congestion and accidents can increase the risk of filing a claim and affect car insurance rates.
Speeding violations can also raise car insurance rates. Just over 6% of Madison drivers have a ticket on their driving record, the second-highest among Alabama cities in Insurify’s analysis. In 2025, local law enforcement conducted a six-hour speeding crackdown along I-565 in Madison County.[6] Law enforcement stopped more than 140 vehicles, issued 104 citations, and gave out 79 written warnings.
Liability policies average $71/mo.
National General offers the cheapest rates for teen drivers in Madison, at $80 per month. The average monthly cost of liability coverage for teens in Madison is around $140.
Alabama’s graduated driver licensing program prohibits drivers younger than 18 with a Stage II restricted license from driving between midnight and 6 a.m.[7] Exceptions include driving with a parent, guardian, or a licensed driver over the age of 21. Teen drivers can also drive for school, church, work, or an emergency during those times.
The following table shows the cheapest car insurance quotes for teen drivers in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $77 |
| National General | $80 |
| USAA | $81 |
| Progressive | $85 |
| State Farm | $88 |
| Allstate | $88 |
| Auto-Owners | $89 |
| Direct Auto | $101 |
| Excepsure | $106 |
| First Acceptance | $112 |
| The General | $112 |
| AssuranceAmerica | $117 |
| GEICO | $122 |
| GAINSCO | $125 |
| Travelers | $126 |
| Trexis | $126 |
| Bristol West | $128 |
| Hugo | $151 |
| Dairyland | $161 |
| Farmers | $162 |
| Root | $172 |
| Safeco | $175 |
| Insurify Car | $185 |
| Liberty Mutual | $216 |
On average, senior drivers in Madison pay $64 per month for car insurance. National General offers the cheapest liability coverage, at $31 per month.
Nearly 13% of Madison drivers are 65 or older, compared to more than 19% statewide, according to U.S. census data. These drivers can find the cheapest car insurance quotes from the following insurers in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $31 |
| Auto-Owners | $35 |
| State Farm | $35 |
| USAA | $36 |
| Country Financial | $38 |
| Progressive | $39 |
| Allstate | $41 |
| Direct Auto | $42 |
| AssuranceAmerica | $44 |
| Travelers | $48 |
| Excepsure | $49 |
| First Acceptance | $51 |
| The General | $52 |
| GEICO | $53 |
| Trexis | $58 |
| Bristol West | $60 |
| GAINSCO | $61 |
| Farmers | $64 |
| Hugo | $70 |
| Safeco | $74 |
| Dairyland | $78 |
| Insurify Car | $85 |
| Liberty Mutual | $101 |
| Root | $103 |
Finding the right coverage at an affordable price can be confusing. To help you out, we answered a few common questions about local rates, competitive insurers, and coverage options.
Madison drivers pay an average of $133 per month for full coverage and $71 per month for liability-only car insurance. That’s comparable to Alabama’s statewide monthly averages of $142 and $66, respectively.
Insurify data shows that National General offers the cheapest average rates in Madison, with policies averaging $39 per month. Progressive and Auto-Owners are the next-cheapest insurers in Madison.
Car insurance rates in Madison depend on factors such as your driving record, age, and coverage choices. Local factors like traffic and population density also influence premiums. A speeding ticket, an at-fault accident, or a DUI can increase your rates, though the effect tends to decrease over time.
Madison drivers must meet Alabama’s minimum auto insurance requirements to legally drive. State law requires at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability coverage. You can also consider optional coverages like medical payments and uninsured motorist coverage for additional protection.
Madison drivers can find affordable coverage by comparing quotes from at least three insurance companies. Ask your car insurance agent about available car insurance discounts, and consider bundling your auto insurance with home or renters insurance. Maintaining a clean driving record can also help you avoid higher rates.
Insurify data scientists analyzed more than 250 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 500+ 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:
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
30+ years in financial services
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
