120+ more*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on October 23, 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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
Drivers in Madison, Mississippi, pay an average of $75 per month for state-minimum liability coverage and $158 per month for full coverage.
Average rates in Madison are usually slightly cheaper than in neighboring Jackson, where drivers pay an average of $85 per month for liability coverage. But Madison’s rates are higher than those in Oxford, where drivers pay an average of $69 per month for liability coverage.
Although Madison County has a low vehicle theft rate, the city’s location just north of Jackson — Mississippi’s largest city — can affect car insurance costs. The Jackson metro area had 665 car thefts in the first half of 2025 and ranked No. 77 in the nation for car thefts by volume, according to the National Insurance Crime Bureau (NICB).
Compare quotes from Mississippi insurers in minutes
Liability-only car insurance costs an average of $75 per month in Madison. That’s typically more expensive than the Mississippi state average of $89 per month.
Mississippi law requires all drivers to have a minimum amount of liability coverage. The state’s minimum liability requirements are:[1]
$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$25,000 of property damage liability coverage
The following table shows the cheapest rates for liability-only car insurance in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $39 |
| USAA | $40 |
| Progressive | $46 |
| Bristol West | $57 |
| Direct Auto | $58 |
| National General | $58 |
| Allstate | $60 |
| GEICO | $67 |
| The General | $74 |
| Travelers | $75 |
| Trexis One | $76 |
| Safeco | $78 |
| First Acceptance | $80 |
| Mendota | $80 |
| GAINSCO | $82 |
| Root | $84 |
| Shelter | $97 |
| Liberty Mutual | $120 |
| Dairyland | $125 |
| Hugo | $125 |
Full-coverage car insurance in Madison costs an average of $158 per month. That’s typically cheaper than in Jackson but more expensive than in Tupelo.
Madison is at high risk for severe weather and wind, including hurricanes. Full-coverage car insurance usually includes collision and comprehensive coverage to help pay to repair your car after weather damage, theft, or an accident.
The table below shows the cheapest rates for full-coverage car insurance in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| USAA | $75 |
| National General | $100 |
| Progressive | $108 |
| Allstate | $111 |
| Safeco | $112 |
| Direct Auto | $114 |
| Root | $128 |
| GEICO | $130 |
| Travelers | $144 |
| Bristol West | $146 |
| Mendota | $181 |
| Shelter | $187 |
| Trexis One | $188 |
| Liberty Mutual | $196 |
| First Acceptance | $203 |
| GAINSCO | $204 |
| The General | $281 |
| Dairyland | $312 |
Jackson is the most expensive city in Mississippi for car insurance. Drivers in Jackson pay an average of $128 per month. But drivers in Tupelo pay an average of $99 per month. Madison falls near the top end of the range, with an average monthly car insurance cost of $117.
Madison has a higher population density than both Columbus and Tupelo, which can affect car insurance rates. Madison has around 1,000 people per square mile, while Columbus has around 960 and Tupelo has around 590.[2] More people usually means more cars on the road, which increases the chances of an accident.
The table below shows the average monthly cost of car insurance in different Mississippi cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on October 23, 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Madison’s proximity to Jackson, the capital of Mississippi, makes the average cost of car insurance higher than in other Mississippi cities. Madison’s car insurance rates are the second-most expensive in the state, after Jackson.
Another reason for increased car insurance rates could be the area’s severe weather and wind risk. Although Madison isn’t by the coast, hurricanes and other strong storms still affect the area. Hurricanes and tropical storms can uproot trees and scatter debris, potentially damaging cars.
Your Mississippi driving record affects how much you pay for car insurance. Insurers consider factors differently, but drivers with violations on their records typically pay more for coverage.
Here are the cheapest companies for Madison drivers with different driving records:
Cheapest car insurance for Madison drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Madison: State Farm
Cheapest car insurance for Madison drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Madison: State Farm
If you’re one of the 5% of Madison drivers with a speeding ticket, you likely pay more for car insurance than a driver with a clean record. About 5% of Madison drivers have an at-fault accident, and 1% have a driving under the influence (DUI) conviction, according to Insurify data. A history of traffic violations usually increases rates.
Mississippi is an at-fault state, which means the driver who causes the accident is liable for any resulting damages and injuries. A driver found at fault in an accident typically will pay higher rates than a driver with a clean record.
The table below shows average car insurance costs for Madison drivers with different records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $117 |
| Speeding ticket | $143 |
| At-fault accident | $154 |
| DUI | $148 |
Madison has a minor flood risk, and roadways by bodies of water tend to flood. Take care when driving over the Ross Barnett Reservoir on state Route 43. The area around Brashear Creek is in a Special Flood Hazard Area (SFHA), so watch for flooding on Madison Avenue and Old Canton Road.[3]
Although technically in Ridgeland, the Renaissance at Colony Park outdoor shopping plaza attracts visitors from Madison and beyond. Traffic on Interstate 55 may be heavier in this area on weekends and around the holidays.
The average high temperature in Madison in July is 92 degrees Fahrenheit, but heatwaves can push it much higher. In 2026, road crews repaired several heat-buckled roads in the Madison area, including U.S. Route 49, state Highway 18, I-20, and I-55.
The population in Madison County increased by almost 7% between 2020 and 2025. That population growth means more cars on the road and more traffic congestion. One of the busiest roadways in Madison is I-55, between state Route 463 and Gluckstadt Road.
The Mississippi Department of Transportation (MDOT) plans to add lanes to I-55 to ease the bottleneck.[4] But you can expect more congestion during construction. Once MDOT completes the project, traffic should flow much more easily in the area.
The Madison Police Department uses radar speed detection 24/7 on all city streets and highways to reduce traffic accidents. Avoid traffic tickets by obeying posted speed limits.
Check rates from multiple insurers, starting as low as $39/mo.
Teen drivers in Madison pay an average of $137 per month for liability-only car insurance.
Mississippi teens must be 15 years old and enrolled in school to get a learner’s permit.[5] They must also pass an exam and hold the permit for one year before applying for a regular driver’s license. Learner’s permit holders must have a licensed driver age 21 or older in the car while driving.
The following table shows the cheapest rates for teenage drivers in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| State Farm | $75 |
| Progressive | $84 |
| Bristol West | $100 |
| Allstate | $109 |
| Direct Auto | $112 |
| National General | $114 |
| GEICO | $121 |
| Root | $126 |
| The General | $133 |
| Trexis One | $139 |
| GAINSCO | $143 |
| First Acceptance | $146 |
| Mendota | $146 |
| Travelers | $154 |
| Safeco | $159 |
| Shelter | $191 |
| Liberty Mutual | $209 |
| Dairyland | $214 |
| Hugo | $228 |
The average cost of liability insurance for Madison senior drivers is $104 per month.
While Madison’s senior population is slightly lower than the national average, they still make up 16% of the city’s population. Older drivers tend to pay some of the cheapest car insurance rates because they have more experience and safer driving habits.
The table below shows the cheapest rates for senior drivers in Madison.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| USAA | $33 |
| Progressive | $41 |
| National General | $46 |
| Direct Auto | $48 |
| Bristol West | $48 |
| Allstate | $53 |
| GEICO | $54 |
| Travelers | $61 |
| The General | $64 |
| Trexis One | $67 |
| Safeco | $69 |
| Shelter | $71 |
| First Acceptance | $71 |
| Mendota | $71 |
| GAINSCO | $71 |
| Root | $78 |
| Liberty Mutual | $101 |
| Dairyland | $107 |
| Hugo | $111 |
Check out the answers to these common questions about auto insurance in Madison.
Car insurance in Madison costs an average of $117 per month. Liability coverage averages $75, and full coverage costs an average of $158. Your personal rates depend on several factors, including your ZIP code, age, and driving record.
Severe weather risk and traffic congestion are two of the main factors affecting car insurance rates in Madison. Personal details like your driving record, age, and the coverage you choose also affect how much you pay for coverage.
Many car insurance companies in Mississippi offer discounts to lower coverage costs. Common discounts include savings for safe drivers, good students, and even farmers. You can also lower your premiums by bundling your auto and homeowners insurance.
Car insurance costs an average of $138 per month in Mississippi. Liability-only coverage costs an average of $89, and full coverage averages $186. How much you pay for coverage depends on various factors, including your driving record, ZIP code, and the coverage you choose.
State Farm offers the cheapest car insurance rates in Madison, with average rates of $39 per month. USAA and Progressive also offer affordable coverage in the city.
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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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
