Cheap Auto Insurance Quotes in Madison, WI (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Madison, WI

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.

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Cheapest Car Insurance in Madison, WI

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.

Best Car Insurance in Madison, WI

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.

Average Car Insurance Cost

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Madison, WI Driving Facts

Minimum Car Insurane Requirements in WI

Wisconsin motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000/$50,000 for Bodily Injury Liability
  • $10,000 for property damage liability
  • $25,000/$50,000 uninsured motorist coverage for bodily injury or death 

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.

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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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Madison stacks up for the state of Wisconsin:

toyota
Toyota Camry
Most Popular Car in
Madison, WI
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

Green Driving in Madison, WI

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Wisconsin offers many green driver incentives, including tax refunds, biodiesel fuel use incentives, and discounts through some car insurance carriers.

Greenes Cities

Madison

Greenes Cities
% of Hybrids / Electrics
2%

FAQs - Madison, WI Car Insurance

Do major insurance carriers have offices in Madison?

Progressive has an office in Madison, alongside regional carriers like Neckerman Insurance and Rural Mutual that keep plenty of customers satisfied in the region.

Will my credit score affect my car insurance rates in Madison?

Wisconsin is one of many states that factor in credit scores when determining a driver’s car insurance rate. When shopping for car insurance in Madison, know that a low credit score might lead to higher premiums.

Who offers the cheapest car insurance in my area?

Car insurance prices can go up and down for a variety of reasons. To help you find a policy that fits your budget, use Insurify to easily compare 10+ free quotes from a wide range of companies in your region.