Cheap Auto Insurance Quotes in Madison, WI (September 2022)

As the state capital and Wisconsin’s second-largest city, Madison is one of the Midwest’s can’t-miss towns. And with a growing local tech industry, Madison is only getting bigger. In such a busy place, you need car insurance that keeps you protected.

Madison residents get around in a variety of ways, from railways to buses to even bicycles. But if you’re opting for a car, save yourself some stress by comparing car insurance quotes and finding the right policy at the right price.

Minimum Car Insurance Requirements in Wisconsin

All motor vehicles operated or parked on Wisconsin roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wisconsin^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wisconsin is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury
• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wisconsin, drivers are only required to purchase coverage for bodily injury.

Madison, WI DMV Information

Madison features two DMV offices: one in Madison East and one in Madison West. Both offices offer drivers a variety of online services too, which might save you a trip to the DMV. Each office is open from 8:30 a.m. to 4:45 p.m. on weekdays.

Public Transportation in Madison, WI

Madison residents have plenty of options when it comes to public transportation. The city features railways that can take passengers between Chicago, Madison, Milwaukee, and Minneapolis. If you want to skip the train, regional bus lines also connect Madison to these large nearby cities.

How to get the best and cheapest car insurance in Madison, WI

Whether it’s by bike or by bus, Madison residents find a way to get around. But with 1.5 cars per household on average, Madison is still ultimately a driver’s city. On these busy roads, you need car insurance that meets your needs. Don’t hesitate to use Insurify if you need an easy, effective way to find car insurance that fits your lifestyle and budget.