Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Badger State.
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.
The average cost of Wisconsin car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Madison, WI to find you the cheapest quotes in the area.
Here are the cheapest carriers in Madison for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $25/mo |
 State Farm | $82/mo |
 Travelers | $94/mo |
 Nationwide | $117/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Madison. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Clearcover | $85/mo | |
 American Family | $123/mo | |
Nationwide | $166/mo | |
 Safeco | $124/mo | |
 Liberty Mutual | $108/mo |
Click here to learn about car insurance quotes and save on your current policy.
Wisconsin motorists are required to purchase auto insurance coverage meeting these minimums:
Considering the cost of medical care—and the cost of vehicles younger than six years—these minimums may not be enough to cover costs in the event of an accident. This is especially true if you typically drive with passengers in your vehicle as your insurance will be your safety net for all medical costs involved in an at-fault accident.
While nothing compares to the freedom of being on the open road, insurance rates can sting when it comes to purchasing coverage for younger drivers. Though rates are more affordable in Madison than in other cities, young drivers pay more because they carry a higher risk than experienced drivers. Insurance premiums for teens in Madison average out to $219, while those in their 20s pay $145. Young drivers may be able to take advantage of discounts (like those that reward good grades) to help lower premiums.
| Driver's Age | |
|---|---|
| teens | $220 |
| 20s | $145 |
| 30s | $128 |
| 40s | $108 |
| 50s | $169 |
| 60s | $82 |
| 70s | $79 |
| 80s | $116 |
| Driving History | |
|---|---|
| No Violation | $128 |
| Speeding Ticket | $162 |
| At-Fault Accident | $155 |
| Failure to Stop for Red Light / Stop Sign | $203 |
Mad City motorists with a clean driving record have a financial advantage over those who don’t. Because your driving record is something insurance companies use to determine claims risk and set rates, careful drivers pay less per month for insurance on average than those who make driving mistakes. In Madison, drivers without any violations on their record pay an average of $127 a month in insurance premiums. Compare that to someone who ran a red light, and you’ll find that these drivers pay 60 percent more, at $202. That’s over $900 more per year they could save had they just been a bit more careful.
Chances are you know that insurance companies consider common factors like age and where you live when it comes to calculating insurance costs. But not everyone is aware that how well you manage your money counts, too. Credit scores can signal a lot about a person’s risk to an underwriter. That’s why credit-based insurance scores are used to better pinpoint whether you’ll make a claim. The higher your credit score, the lower your risk. Drivers in Madison with a good credit score can expect to pay an average of $134 per month for car insurance.
| Credit Tie | |
|---|---|
| Excellent | $133 |
| Good | $135 |
| Average | $133 |
| Poor | $151 |
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.
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Madison drivers measure up to their fellow Wisconsin motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Madison drivers rank 6 in the number of car accidents per driver across all cities in Wisconsin.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Wisconsin, Madison drivers rank 4 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Madison drivers rank 10 in the number of DUI’s per driver across all cities in Wisconsin.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Madison is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Wisconsin, Madison drivers rank 4 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Madison drivers rank 2 in clean driving records across all cities in Wisconsin.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Madison drivers rank 4 in failure to yield violations per driver across all cities in Wisconsin.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Wisconsin, Madison drivers rank 5 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Madison drivers rank 3 in hybrid and electric vehicle ownership across all cities in Wisconsin.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Kenosha won Insurify's Most Patriotic Cities Award for the state of Wisconsin.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
