Cheap Auto Insurance in Madison, Wisconsin (2025)
USAA offers the cheapest car insurance in Madison, with minimum-coverage policies as low as $35 per month.
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Written byJamie Johnson
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Edited byKatie Powers
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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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Table of contents
The average monthly cost of auto insurance in Madison, Wisconsin, is $68 for a liability-only policy and $118 for full coverage. This is on par with the state average of $65 for liability coverage and $125 for a full-coverage policy.
Wisconsin drivers pay lower rates than the overall national average rate, perhaps partially due to the state’s at-fault system. Ultimately, the cost of your auto insurance policy will vary depending on your driving record, marital status, credit history, and the type of vehicle you drive.[1]
Here’s what you should know about finding auto coverage in Madison.
Quick Facts
USAA, State Farm, and Auto-Owners are the three cheapest insurers in Madison.
Wisconsin law allows auto insurers to consider your credit information when determining your premium.[2]
Because Wisconsin is an at-fault state, the driver who caused the accident is responsible for covering the costs of the other driver’s resulting injury and vehicle damage.[3]
Best car insurance companies in Madison
Car insurance rates can vary quite a bit depending on the company you choose. Overall, USAA, State Farm, and Auto-Owners offer the best car insurance options for Madison drivers.
But the best auto insurance policy for you depends on your specific insurance needs, so it’s a good idea to compare your coverage options and speak to an insurance agent about your options.
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 |
|---|---|---|---|---|
| USAA | 9.1 | $58 | $38 | Veterans |
| State Farm | 9.3 | $60 | $40 | Safe drivers |
| Auto-Owners | 8.2 | $61 | $40 | New vehicles |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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 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 veterans: 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. | $35/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. | $56/mo |
4.9
Best choiceBased on 2,120 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 (1,202)
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
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
USAA has been in business for more than 100 years and receives high ratings for customer satisfaction. The company offers low rates for active-duty military members, veterans, and their families. Nearly 9,000 veterans currently live in Madison, so many drivers in the city can benefit from coverage from USAA.
Pros
High customer satisfaction ratings
Discount of up to 30% via SafePilot safe driving program
Cons
Exclusive eligibility requirements for active-duty military members, veteranas, and their families
No 24/7 customer phone support
Best insurer for safe drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | $36/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. | $58/mo |
4.1
Best choiceBased on 11,351 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 (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
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 offers insurance products in all 50 states and gives policyholders numerous opportunities to save on auto insurance. Safe drivers can use the Drive Safe & Save program to save up to 30% on car insurance. The company offers customizable coverage and bundling opportunities.
Pros
Rideshare insurance available
Above-average J.D. Power customer satisfaction rating in the North Central region
Cons
Doesn’t offer gap insurance
Potentially not the most affordable option for drivers with traffic violations
Best insurer for new vehicles: Auto-Owners
| User Reviews | 3.9 |
|---|---|
| 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. | 8.2 /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. | $37/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. | $59/mo |
3.9
A solid optionBased on 208 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (122)
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
Shontia
Verified Review
Okay Service
Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 in 1916, Auto-Owners offers policyholders Purchase Price Guarantee, Total Loss, and gap insurance coverages, which can all benefit owners of new cars. If your financed, newer vehicle is totaled, these coverages can help you receive the original cost of the vehicle and pay off any remaining loan or lease balance. Additionally, Auto-Owners at least 13 discounts, including savings tied to how you pay for coverage, whether you bundle policies, and more.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Multiple available coverages to help protect new cars
Cons
Not available in every state
Online quotes not available
How to get the cheapest car insurance in Madison
Insurance companies look at a variety of factors to determine your auto insurance rates. Insurers use different parameters, but most look at your driving history, location, age, and deductible.
Here are five ways to find lower rates on car insurance in Madison:
Choose a higher deductible. You’ll pay an out-of-pocket deductible before your insurance company pays an insurance claim. The higher your deductible, the less you’ll pay each month for auto insurance.
Choose a safer car. Most insurance companies will lower your premium if your car has safety features like airbags, anti-lock brakes, and alarm systems.
Take advantage of low-mileage discounts. If your annual mileage is below average, you may qualify for a low-mileage discount.
Bundle your insurance coverage. Another way to save is by bundling your auto policy with home insurance, renters insurance, or life insurance.
Shop around. Different insurance companies offer different rates and discounts, so you should shop around among different insurers. An online comparison tool is a good way to compare rates from multiple insurers simultaneously.
Cheapest liability-only car insurance in Madison: USAA
Liability-only car insurance covers the other driver’s vehicle damages and medical expenses if you cause an auto accident. It doesn’t pay for any of your car repairs or medical bills you incur.[4]
Because liability insurance is less expensive than full coverage, some drivers choose it to save money on auto insurance. It makes the most sense for drivers with inexpensive or older vehicles.
Here are the cheapest options for liability-only insurance in Madison.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $35 |
| State Farm | $36 |
| Auto-Owners | $37 |
| Progressive | $47 |
| Erie | $48 |
| American Family | $52 |
| GEICO | $54 |
| Direct Auto | $61 |
| Chubb | $61 |
| Safeco | $63 |
| Dairyland | $63 |
| Bristol West | $66 |
| Farmers | $71 |
| Nationwide | $72 |
| GAINSCO | $75 |
| Root | $78 |
| The General | $83 |
| Travelers | $92 |
| Allstate | $104 |
| National General | $105 |
| Liberty Mutual | $113 |
| State Auto | $137 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. It offers you the most protection if you have an auto accident. Full-coverage insurance can also kick in for damages from vandalism, theft, falling objects, and more.
Because full-coverage insurance comes with more robust protection, it costs more than liability-only insurance. Here are some of the cheapest full-coverage quotes for Madison drivers.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $56 |
| State Farm | $58 |
| Auto-Owners | $59 |
| Erie | $78 |
| GEICO | $81 |
| American Family | $84 |
| Progressive | $95 |
| Chubb | $97 |
| Safeco | $104 |
| Farmers | $113 |
| Nationwide | $114 |
| Direct Auto | $117 |
| Bristol West | $131 |
| Travelers | $146 |
| Root | $151 |
| Allstate | $165 |
| Liberty Mutual | $168 |
| National General | $171 |
| The General | $181 |
| Dairyland | $211 |
| State Auto | $218 |
| GAINSCO | $254 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Madison, Wisconsin
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $63/mo for full coverage in Madison and other Wisconsin cities.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on July 29, 2025. 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 July 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on July 29, 2025. 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 July 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wisconsin
All Wisconsin drivers must meet the state’s minimum liability requirements to drive a car in the state. Operating a motor vehicle without insurance will result in a fine of $500.
Here are the state’s minimum legal requirements:[5]
Coverage | Minimum Requirements |
|---|---|
| Property damage liability | $10,000 per accident |
| Bodily injury liability | $25,000 per person and $50,000 per accident |
Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:
Uninsured motorist coverage
Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.
Medical payments coverage
Medical payments coverage, also called MedPay, can cover medical bills and hospital visits for you and your passengers following an accident. It can even kick in to cover funeral expenses.
Collision coverage
If you have a car accident, collision coverage pays to repair or replace your vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damage and loss related to non-collision incidents. For example, comprehensive insurance covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or broken into.[6]
Cheapest car insurance for drivers with an incident
Many factors influence your car insurance premiums, but your driving history may have the biggest effect. Drivers with a clean record pay the lowest rates for auto insurance. If you have a history of driving incidents — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — you can expect to pay more for insurance.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding is one of the biggest causes of auto accidents. On average, 18,000 speeding-related crashes occur in Wisconsin every year, according to the Wisconsin Department of Transportation. If you receive a speeding ticket in Madison, you may face a fine between $200 and $800, depending on the violation.[7]
Your insurance premiums will also usually increase after receiving a speeding ticket. In Madison, you might pay $83 per month for a liability-only policy with a speeding ticket on your record.
The following table compares monthly liability quotes for Madison drivers with clean records versus those with speeding violations.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| USAA | $35 | $43 |
| State Farm | $36 | $44 |
| Auto-Owners | $37 | $46 |
| Progressive | $47 | $58 |
| Erie | $48 | $61 |
| American Family | $52 | $64 |
| GEICO | $54 | $68 |
| Direct Auto | $61 | $75 |
| Chubb | $61 | $75 |
| Safeco | $63 | $79 |
| Dairyland | $63 | $77 |
| Bristol West | $66 | $82 |
| Farmers | $71 | $87 |
| Nationwide | $72 | $89 |
| GAINSCO | $75 | $88 |
| Root | $78 | $100 |
| The General | $83 | $107 |
| Travelers | $92 | $114 |
| Allstate | $104 | $127 |
| National General | $105 | $128 |
| Liberty Mutual | $113 | $141 |
| State Auto | $137 | $170 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
At-fault accidents are another driving incident that cause premiums to increase. Every time you file a claim request for an at-fault accident, your insurance company has to pay for repairs to your vehicle and the other driver’s vehicle. This makes you more expensive to insure, and your insurer could decide not to renew your policy if you have multiple at-fault accidents.[8]
Madison drivers with an at-fault accident pay a monthly average of $84 for liability-only insurance. Here are the cheapest liability insurance options for Madison drivers with an at-fault accident.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| USAA | $35 | $44 |
| State Farm | $36 | $45 |
| Auto-Owners | $37 | $46 |
| Progressive | $47 | $58 |
| Erie | $48 | $58 |
| American Family | $52 | $65 |
| GEICO | $54 | $63 |
| Direct Auto | $61 | $79 |
| Chubb | $61 | $76 |
| Safeco | $63 | $83 |
| Dairyland | $63 | $79 |
| Bristol West | $66 | $83 |
| Farmers | $71 | $89 |
| Nationwide | $72 | $90 |
| GAINSCO | $75 | $91 |
| Root | $78 | $96 |
| The General | $83 | $108 |
| Travelers | $92 | $116 |
| Allstate | $104 | $129 |
| National General | $105 | $130 |
| Liberty Mutual | $113 | $143 |
| State Auto | $137 | $173 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Driving under the influence is a major offense in Wisconsin, and your first incident would result in a fine between $150 and $300. You’d also face driver’s license revocation for six to nine months.[9] Additional violations will lead to higher fines and possible jail time.
Your auto insurance rates typically increase significantly after you get a DUI, and in some cases, your insurer may drop you as a customer. If you’ve been convicted of a DUI, you might pay as much as $109 per month in Madison for a minimum coverage policy.
Here are some of the cheapest liability-only quotes for Madison drivers with a DUI.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| USAA | $35 | $55 |
| State Farm | $36 | $56 |
| Auto-Owners | $37 | $58 |
| Progressive | $47 | $76 |
| Erie | $48 | $75 |
| American Family | $52 | $81 |
| GEICO | $54 | $85 |
| Direct Auto | $61 | $96 |
| Chubb | $61 | $96 |
| Safeco | $63 | $101 |
| Dairyland | $63 | $99 |
| Bristol West | $66 | $103 |
| Farmers | $71 | $111 |
| Nationwide | $72 | $113 |
| GAINSCO | $75 | $117 |
| Root | $78 | $122 |
| The General | $83 | $130 |
| Travelers | $92 | $144 |
| Allstate | $104 | $163 |
| National General | $105 | $164 |
| Liberty Mutual | $113 | $177 |
| State Auto | $137 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
Your age can affect your car insurance premium. Most people see their auto insurance rates decrease after the age of 35. But once you reach 75, rates can start creeping back up again because senior drivers are more likely to have a car accident and face injury.[10]
A liability-only policy for a senior driver in Madison costs $52 per month, on average.
Fortunately, seniors can save money on auto insurance by enrolling in an approved defensive driving course or taking advantage of low-mileage discounts. Here are the cheapest insurers for senior drivers in Madison.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $27 | $43 |
| State Farm | $27 | $43 |
| Auto-Owners | $28 | $45 |
| Erie | $35 | $56 |
| Progressive | $36 | $73 |
| American Family | $39 | $63 |
| GEICO | $40 | $60 |
| Chubb | $43 | $68 |
| Direct Auto | $45 | $87 |
| Dairyland | $48 | $162 |
| Nationwide | $51 | $81 |
| Bristol West | $51 | $101 |
| Safeco | $52 | $86 |
| Farmers | $53 | $84 |
| GAINSCO | $59 | $200 |
| Root | $62 | $120 |
| The General | $63 | $138 |
| Travelers | $68 | $109 |
| National General | $76 | $124 |
| Allstate | $80 | $126 |
| Liberty Mutual | $89 | $133 |
| State Auto | $99 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
Teen drivers pay some of the highest rates for auto insurance due to their lack of driving experience. Motor vehicle crashes are the leading cause of death for U.S. teens. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[11]
Teenage and young drivers in Madison pay a monthly average of $137 for liability-only coverage. Young drivers can find more affordable car insurance by earning good student discounts or driving a safe vehicle. Joining your parents’ existing insurance policy is another way to secure the best rate.
Here are the cheapest options for teenage drivers in Madison.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $67 | $108 |
| State Farm | $71 | $115 |
| Auto-Owners | $71 | $114 |
| Progressive | $95 | $193 |
| Erie | $95 | $154 |
| American Family | $101 | $164 |
| GEICO | $102 | $152 |
| Dairyland | $111 | $370 |
| Bristol West | $124 | $247 |
| Direct Auto | $125 | $240 |
| Chubb | $134 | $213 |
| Safeco | $135 | $223 |
| Farmers | $142 | $225 |
| Root | $144 | $278 |
| Nationwide | $146 | $230 |
| GAINSCO | $147 | $498 |
| The General | $150 | $327 |
| Travelers | $191 | $303 |
| Allstate | $213 | $338 |
| Liberty Mutual | $214 | $319 |
| National General | $222 | $362 |
| State Auto | $342 | $544 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Madison car insurance quotes by credit tier
Wisconsin is one of many states that allows insurance companies to consider credit history when determining insurance premiums. Some research shows that drivers with bad credit file more insurance claims, which is why insurers may adjust rates accordingly.
Drivers with excellent or good credit scores pay less for auto insurance than people with poor credit scores. Here’s what Madison drivers can expect to pay for full-coverage car insurance by credit tier.
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?
Madison's car insurance rates are on part with Wisconsin's state averages, but lower than national averages. In Madison, full coverage averages $118 per month while liability-only coverage is $68 per month. Wisconsin's averages are $125 for full coverage and $61 for minimum coverage, while the national averages are $192 and $107, respectively.
Wisconsin car insurance rates can vary depending on your city and your ZIP code. For example, if you live in a city with higher rates of vandalism, you can expect to pay more for auto insurance. You’ll also pay more for insurance if you live in a big city than in a small town.
More cities in Wisconsin
Here are monthly rates in some other Wisconsin cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Kenosha | $131 | $84 |
| Milwaukee | $177 | $105 |
| Racine | $129 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Madison car insurance FAQs
Before you compare quotes from multiple insurers, you should decide how much coverage you need. The following information should help you navigate the process of buying cheap car insurance in Madison, Wisconsin.
How much is car insurance in Madison, Wisconsin?
The overall average cost of car insurance in Madison is $93 per month. On average, Madison drivers pay $68 per month for liability coverage and $118 for full-coverage insurance, according to Insurify data.
Who has the cheapest car insurance in Madison?
USAA offers the cheapest car insurance quotes in Madison, with liability-only rates starting at $35 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, State Farm and Auto-Owners, which have minimum-coverage rates as low as $36 and $37, respectively.
Your actual quotes may be higher or lower than average, based on factors specific to you like your age, gender, and driving history.
What are the best car insurance companies in Madison?
USAA, State Farm, and Auto-Owners are among the best insurers offering coverage for Madison drivers. All three offer competitive rates, have good financial strength ratings from AM Best, and IQ scores of 4 (out of 5) or better. That said, the best insurer for you may be different, based on your individual rating factors and coverage needs. Comparing quotes from multiple companies is the best way to find the coverage you need at an affordable price.
How much is car insurance in Wisconsin per month?
Car insurance in Wisconsin costs $95 per month, on average. Drivers in the state pay $65 per month for liability coverage and $125 for full-coverage insurance.
What is the minimum coverage for car insurance in Wisconsin?
Wisconsin drivers must carry a minimum of $10,000 per accident in property damage liability coverage, as well as $25,000 per person and $50,000 per accident in bodily injury liability coverage.
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 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
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
- NOLO. "Wisconsin Car Insurance Requirements."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- State of Wisconsin Department of Transportation. "Minimum insurance requirements."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- State of Wisconsin Department of Transportation. "Speeding."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- State of Wisconsin Department of Transportation. "OWI AND RELATED ALCOHOL AND DRUG OFFENSE PENALTIES (AS OF OCTOBER 1, 2020)."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ 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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