Cheap Auto Insurance Quotes in Madison, AL (January 2022)

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Car Insurance in Madison, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Madison, AL to find you the cheapest quotes in the area.
$64
$94
$100
$114
$139
State FarmAllstateGEICOTravelersDirect Auto

Cheapest Car Insurance in Madison, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$136
$152
$135
$134
$129
$128
AlabamaBirminghamMontgomeryMobileHuntsvilleMadison
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Madison, AL Driving Facts

alabama

Minimum Car Insurance Requirements in AL

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Find local Madison agents

Peck-Glasgow Agency, Inc.
8121 Madison Blvd., Suite 101B, Madison, AL 35758-2082
Legacy Insurance
814 Palmer Road, Suite A, Madison, AL 35758
Carlos Tyler: Allstate Insurancev
3810 Sullivan St Ste A, Madison, AL 35758
Grier Insurance
9668 Madison Blvd Suite 229, Madison, AL 35758
Alfa Insurance
95 Hughes Rd, Madison, AL 35758
Wiley Insurance Agency, Inc
1644 Slaughter Rd, Madison, AL 35758
Dave Henry Insurance
3810 Sullivan St Suite I, Madison, AL 35758
Insurance Agency: Wallace Insurance Agency
11156 County Line Rd STE D, Madison, AL 35756
Amanda Suciu - State Farm Insurance Agent
7619 Hwy 72 W Ste 2, Madison, AL 35758
David Perkins - State Farm Insurance Agent
12906 Oliver Ln, Madison, AL 35756

Insurify Insights: How Madison Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Madison, AL
suspended licenses
#42
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Madison drivers measure up to their fellow Alabama motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Madison

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Madison drivers rank 3 in the number of car accidents per driver across all cities in Alabama.

  • Rank within state: #3
  • Percent of drivers in Madison with an accident: 13.69%
  • Drivers in Madison, AL with an accident in their driving history paid on average 40.54% more than drivers with a clean record

Speeding in Madison

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Madison drivers rank 21 in the number of speeding infractions per driver.

  • Rank within state: #21
  • Percent of drivers in Madison with a speeding ticket: 10.85%
  • Drivers in Madison, AL with a speeding ticket in their driving history paid on average 38.51% more than drivers with a clean record

DUI/DWIs in Madison

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Madison drivers rank 31 in the number of DUI’s per driver across all cities in Alabama.

  • Rank within state: #31
  • Percent of drivers in Madison with a DUI: 0.67%
  • Drivers in Madison, AL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Madison

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Madison is the Nissan Altima.

Rude in Madison

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Madison drivers rank 10 in rude driving infractions.

  • Rank within state: #10
  • Percent of drivers in Madison with a reckless driving violation: 1.34%
  • Drivers in Madison, AL with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Madison

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Madison drivers rank 11 in clean driving records across all cities in Alabama.

  • Rank within state: #11
  • Percent of drivers in Madison with clean record: 77.8%

Failure to Yield the Right of Way in Madison

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Madison drivers rank 12 in failure to yield violations per driver across all cities in Alabama.

  • Rank within state: #12
  • Percent of drivers in Madison with a failure to yield violation: --%
  • Drivers in Madison, AL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Madison

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Madison drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank within state: #11
  • Percent of drivers in Madison with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Madison

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Madison drivers rank 7 in hybrid and electric vehicle ownership across all cities in Alabama.

  • Rank within state: #7
  • Percent of drivers in Madison with a hybrid/electric vehicle: 1.09%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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