Cheapest Auto Insurance in Madison, Mississippi (2026)
State Farm offers the cheapest car insurance in Madison, with minimum-coverage policies as low as $48 per month.
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Written byTaylor Milam-Samuel
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Table of contents
Less than a 30-minute drive to the state’s biggest city, Madison combines the comfort of a small community with the convenience of a big city. But the proximity to a large city comes at a price. Car insurance in Madison, Mississippi, costs an overall average of $114 per month, higher than the state average of $101.
You can take steps to find cheap car insurance and find the right coverage, though. Some of the city’s best insurers, like State Farm, USAA, and National General, have insurance costs that are nearly half the city’s average. Here’s what you need to know about finding cheap car insurance in Madison.
Quick Facts
Drivers in Madison will find the cheapest liability-only and full-coverage auto insurance policies from State Farm.
Madison drivers pay an average of $80 per month for liability only and $147 for full coverage.
Mississippi insurers can use your credit information when determining your car insurance premiums.
3 of the cheapest car insurance companies in Madison
As a driver in Madison, you can find the best car insurance options from State Farm, USAA, and Allstate. Your finances and the type of coverage you need will help determine which company is the best fit.
As you search for insurance in Madison, consider your budget, driving record, and coverage needs.
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 |
|---|---|---|---|---|
| State Farm | 9.3 | $78 | $43 | Cheap rates |
| USAA | 9.1 | $80 | $44 | Military members |
| Allstate | 8.9 | $128 | $70 | Pay-per-mile coverage |
Disclaimer: Table data is based on real-time Madison quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 55,000 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 cheap rates: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $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. | $87/mo |
4.0
Best choiceBased on 14,978 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,038)
Stacey
Verified Review
State Farm's Simplicity is Not Minimal
Reviewed in South Dakota on February 15, 2026
State Farm has been great for me for over 30 years.
Dorothy
Verified Review
Good change
Reviewed in Florida on February 15, 2026
Check it out. I saved a great deal of money.
Larry
Verified Review
Average
Reviewed in Michigan on February 15, 2026
State Farm is too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been in business for more than 100 years and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.
The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance
May not be the cheapest choice for drivers with violations
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $49/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. | $90/mo |
4.9
Best choiceBased on 2,945 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,447)
Russell
Verified Review
Good insurance - Super expensive premiums
Reviewed in Florida on February 14, 2026
The product is good. The price is not. Very expensive. The service is excellent, but the insurance is expensive. Customer service is very good, but the price is expensive.
Edward
Verified Review
Veterans' Best Insurance Company
Reviewed in Nebraska on February 14, 2026
USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.
Paul
Verified Review
Premiums Too High
Reviewed in Pennsylvania on February 14, 2026
As a disabled veteran, I find USAA’s premiums to be too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products and banking, investing, and retirement services.
Auto insurance customers have access to a number of discounts, including bundling, insuring multiple vehicles, living on a military base, and more. AM Best gave USAA an A++ rating for financial strength, but customer reviews are mixed for service and claims processing.
Pros
High customer satisfaction, especially for customer service
Low premiums
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Best insurer for pay-per-mile coverage: Allstate
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $78/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. | $143/mo |
3.8
A solid optionBased on 8,949 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (4,204)
Angela
Verified Review
Dissatisfied
Reviewed in Florida on February 15, 2026
My experience with Allstate is that they are overpricing their policies.
Eugene
Verified Review
Cost is Too High
Reviewed in California on February 15, 2026
The price keeps going up even though I have had no accidents.
Bobby
Verified Review
Typical insurance provider. They give you a decent rate to lure you in, only to raise rates significantly at renewal.
Reviewed in Georgia on February 15, 2026
Typical insurance provider. They give you a decent rate to lure you in, only to raise rates significantly at renewal.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from AM Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites and a slightly higher-than-average complaint rating on the NAIC complaint index.
Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and a good payment history.
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
)
Top 10 Cheap Car Insurance Companies in February 2026
How to get the cheapest car insurance in Madison
Different factors influence how much you pay for car insurance. Some deciding factors, like age and location, are out of your control, but you can take steps to lower your car insurance costs.
The following strategies can help you get the most competitive car insurance rates:
Compare quotes. It’s critical to compare quotes from multiple insurers before you move forward with a policy. You can compare quotes online or call the insurer and provide your mileage estimate, car information, phone number, email address, and other contact information.
Choose a safer car. The type of car you drive affects how much you pay for car insurance. You can typically pay less if you select a car with enhanced safety features.
Research discounts. Learn about the available discounts and ask your car insurance agent or licensed representative to check if you qualify for any on your list. Insurers offer various discounts, including safe driving, customer loyalty, and referrals.
Bundle your home and auto insurance. You can also bundle insurance products like renters, life, and home insurance with auto insurance.
Strategize coverage amounts. Understand the type of insurance you have. Read the coverage limits in your current policy. You don’t want your limits to be too high or too low. For example, you could choose a lower amount if you have an older car that isn’t worth as much.
Cheapest liability-only car insurance in Madison: State Farm
Mississippi, like most states, mandates that drivers have liability car insurance.[1] The coverage protects you if you cause an accident. Still, it only helps with repairs and medical expenses for the other driver and their passengers. It doesn’t help pay for damages to your vehicle, so it's best for drivers who have older, less-expensive vehicles without a car loan.
Madison residents pay an average monthly rate of $80 for liability-only car insurance. Here are some of the best rates for liability coverage in Madison.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| National General | $66 |
| Bristol West | $70 |
| Direct Auto | $75 |
| Allstate | $78 |
| Nationwide | $82 |
| GEICO | $83 |
| Safeco | $90 |
| Travelers | $95 |
| Root | $95 |
| GAINSCO | $106 |
| Shelter | $122 |
| Dairyland | $150 |
| Liberty Mutual | $176 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Madison: State Farm
Full-coverage car insurance provides drivers with liability coverage and meets the state-minimum requirements for car insurance, but it costs more than liability-only insurance. It also includes comprehensive and collision, which can help pay for your car repairs if you’re in an accident. Car lenders and leasing companies generally require drivers to buy full coverage car insurance when they finance or lease a vehicle.
On average, full coverage costs Madison drivers $147 per month. Below are some of the cheapest options for full-coverage auto insurance in Madison.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| USAA | $90 |
| National General | $122 |
| Safeco | $140 |
| Allstate | $143 |
| Direct Auto | $143 |
| Nationwide | $148 |
| GEICO | $150 |
| Root | $154 |
| Travelers | $171 |
| Bristol West | $188 |
| Shelter | $222 |
| Liberty Mutual | $245 |
| GAINSCO | $266 |
| Dairyland | $386 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Madison, Mississippi
Recent Madison, Mississippi car insurance prices for Toyota, Chevrolet, Buick , and more.
*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Mississippi
The state of Mississippi requires drivers to have liability insurance to ensure that they can cover the expenses associated with an accident. Drivers must have coverage for bodily injury and property damage.
As an at-fault state, Mississippi law requires the driver who causes the accident to pay for the associated repairs and medical expenses.[1]
Here are the minimum-coverage amounts for drivers in Mississippi:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
Even though state-mandated coverage provides some financial protection, you may want additional coverage in the form of extra policies or higher limits. For example, if you cause an accident and the other car is totaled, it might cost more than $25,000 to replace, leaving you responsible for the costs.
Also, lenders and leasing usually require collision and comprehensive coverages as a condition of purchase if you finance or lease a car.
Here are standard coverage options that extend beyond the state requirements for Mississippi:
Comprehensive coverage
If your car is damaged due to something other than a collision, comprehensive coverage helps pay for repairs.
Collision coverage
If you’re responsible for a car crash, collision coverage helps pay for your repairs.
Glass coverage
If there’s damage to your windows or windshield, this coverage helps pay for repairs.
Gap coverage
If you finance your car and the amount you owe is more significant than what the car is worth, gap coverage helps pay the difference if your vehicle is totaled.
Keep in Mind
As you determine the type and amount of coverage you need, factor in your budget, the cost of your vehicle, your deductible, and other elements of your finances.
Cheapest car insurance for drivers with an incident
Your driving record affects your car insurance rates. Violations like speeding, driving under the influence (DUI), and at-fault accidents cause policy changes, including increased rates.
It’s possible to find insurance companies offering competitive rates after an incident, but comparing rates to find the best deal is important. Here’s how you can expect your rates to increase after specific driving incidents in Madison.
Find Car Insurance in Madison, MS
Rates start at $57 for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets indicate to insurers that you’re more likely to file a claim due to reckless driving. Because of that, tickets cause your car insurance rates to increase, but you can still find solid pricing.
Madison drivers with a speeding ticket face an average monthly cost of $92 for liability-only coverage and $169 for full coverage. Here are some of the cheapest liability-only car insurance quotes for drivers with speeding tickets in the city.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| State Farm | $48 | $58 |
| USAA | $49 | $61 |
| National General | $66 | $79 |
| Bristol West | $70 | $84 |
| Direct Auto | $75 | $90 |
| Allstate | $78 | $97 |
| Nationwide | $82 | $102 |
| GEICO | $83 | $104 |
| Safeco | $90 | $114 |
| Travelers | $95 | $118 |
| Root | $95 | $122 |
| GAINSCO | $106 | $121 |
| Shelter | $122 | $156 |
| Dairyland | $150 | $178 |
| Liberty Mutual | $176 | $215 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
When you cause an accident, it appears on your driving record as an at-fault incident. It’s usually visible on your record for a few years, which means that your insurance rates are generally more expensive during that time as a result.
In Madison, drivers with at-fault accidents average $98 per month for liability-only auto insurance and $181 for full coverage. Below are some of the lowest monthly minimum-coverage rates for drivers with an at-fault accident in the city.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| State Farm | $48 | $61 |
| USAA | $49 | $63 |
| National General | $66 | $84 |
| Bristol West | $70 | $89 |
| Direct Auto | $75 | $99 |
| Allstate | $78 | $101 |
| Nationwide | $82 | $106 |
| GEICO | $83 | $104 |
| Safeco | $90 | $122 |
| Travelers | $95 | $123 |
| Root | $95 | $122 |
| GAINSCO | $106 | $131 |
| Shelter | $122 | $158 |
| Dairyland | $150 | $190 |
| Liberty Mutual | $176 | $226 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A driving under the influence (DUI) violation causes your car insurance rates to increase. Drunk driving can also lead to other severe consequences, like jail time, license suspension, and non-renewal of your insurance policy. It can be stressful to navigate auto insurance after a DUI, but some insurers specialize in high-risk coverage.
The overall average monthly cost of car insurance with a DUI in Madison is $129 for liability-only coverage and $237 for full coverage. Here are some of the lowest liability-only car insurance quotes for drivers with a DUI in the city.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| State Farm | $48 | $74 |
| USAA | $49 | $75 |
| National General | $66 | $101 |
| Bristol West | $70 | $108 |
| Direct Auto | $75 | $115 |
| Allstate | $78 | $120 |
| Nationwide | $82 | $126 |
| GEICO | $83 | $127 |
| Safeco | $90 | $148 |
| Travelers | $95 | $146 |
| Root | $95 | $148 |
| GAINSCO | $106 | $163 |
| Shelter | $122 | $189 |
| Dairyland | $150 | $230 |
| Liberty Mutual | $176 | $270 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age significantly affects how much you pay for car insurance. Rates decrease steadily throughout adulthood and are usually the lowest around retirement age. But once drivers hit age 70, rates change again, and drivers can expect an increase.
Madison seniors can find liability rates as low as $70 per month and full-coverage rates for as low as $128 per month. Below are average monthly car insurance quotes for senior drivers in the city.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $69 | $38 |
| USAA | $73 | $40 |
| National General | $96 | $52 |
| Nationwide | $114 | $63 |
| Direct Auto | $116 | $61 |
| Allstate | $117 | $64 |
| GEICO | $120 | $66 |
| Safeco | $123 | $79 |
| Root | $130 | $80 |
| Travelers | $137 | $76 |
| Bristol West | $157 | $58 |
| Shelter | $160 | $88 |
| Liberty Mutual | $206 | $148 |
| GAINSCO | $227 | $90 |
| Dairyland | $331 | $128 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teenage drivers usually pay the most for car insurance out of all age groups due to their inexperience and higher accident rates. Insurers view them as more likely to file a claim and charge them higher rates to account for that extra risk.
If you’re a parent who needs insurance for a teenage driver in your family, try different strategies to lower the costs — choose a car with enhanced security features, encourage your teenager to qualify for good student discounts, and complete an approved driver education course.
But most importantly, gather quotes from multiple insurers, ask questions, and compare options for the best deal. Teen drivers in Madison pay an average of 146 per month for liability-only coverage and 268 per month for full coverage.
Here are some of the cheapest insurers for teenage drivers in Madison.
The below rates in Madison, MS, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $167 | $91 |
| State Farm | $169 | $93 |
| National General | $248 | $134 |
| Root | $267 | $165 |
| GEICO | $269 | $149 |
| Direct Auto | $277 | $145 |
| Safeco | $283 | $182 |
| Allstate | $284 | $155 |
| Nationwide | $290 | $161 |
| Bristol West | $336 | $125 |
| Travelers | $355 | $197 |
| Liberty Mutual | $433 | $311 |
| Shelter | $442 | $243 |
| GAINSCO | $490 | $195 |
| Dairyland | $652 | $253 |
Disclaimer: Table data sourced from real-time Madison car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Madison may vary based on the policy buyer's unique driver profile.
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Madison car insurance quotes by credit tier
As a driver in Mississippi, your credit history affects your car insurance rates. Insurance companies consider credit as a risk factor when determining rates.[2]
Insurers consider you riskier to insure if you have poor credit. As a result, your insurance costs more. But the reverse is also true — if you have excellent or good credit, you typically pay less for car insurance.
Here’s what you can expect to pay in Madison based on your credit score category.
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?
Car insurance costs an overall average of $114 per month in Madison, compared to the national average of 136 per month.
Compared to cities in Mississippi that are similar in size, Madison drivers tend to pay slightly more for car insurance. But even within the same city, your car insurance costs can vary from one area to the next.[3] For example, drivers who park in a garage typically pay less than drivers who park on the street.
More cities in Mississippi
As the 11th-largest city in the state, Madison is a relatively small city. Drivers in larger cities can typically expect to pay more for car insurance. But Madison’s proximity to Jackson, the largest city in the state, likely influences the city’s car insurance rates, which are higher than the state average.
Drivers in similarly sized cities, like Oxford, can expect to pay slightly less for car insurance since they’re further from a major metropolis.
City | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Columbus | $113 | $64 |
| Hattiesburg | $125 | $70 |
| Jackson | $149 | $79 |
| Meridian | $125 | $65 |
| Oxford | $108 | $59 |
| Southaven | $140 | $78 |
| Tupelo | $109 | $62 |
Disclaimer: Table data is based on real-time Madison quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Madison car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Madison.
How much is car insurance in Madison?
Car insurance in Madison costs $114 per month, on average. Drivers pay an average of $147 per month for full-coverage insurance and $80 per month for liability coverage.
Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What are the best car insurance companies in Madison?
State Farm is the best car insurance company in Madison, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior).
Of the insurers Insurify has rate data for, other top choices include Allstate and USAA.
Which company has the cheapest car insurance rates in Madison?
State Farm has the cheapest car insurance in Madison, with liability rates averaging $48. You can also find low rates with USAA and National General, which have liability-only rates of $49 and $66, respectively.
What is the minimum auto insurance required in Mississippi?
All drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $25,000 per accident in property damage liability insurance.
Is car insurance mandatory in Mississippi?
Yes. All drivers must carry car insurance in Mississippi.
Methodology
Insurify data scientists analyzed more than 190 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:
- 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
- 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.
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Sources
- Mississippi Insurance Department. "Auto Insurance."
- Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
- United States Census Bureau. "QuickFacts."
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Taylor Milam-Samuel Insurance Writer
Taylor Milam-Samuel is a writer and credentialed educator who’s fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023. She’s passionate about giving readers the information and empowerment they need to make confident insurance decisions.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Daniel RoccatoAdvisor
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.