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Cheap Auto Insurance Quotes in Madison, WI (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Madison is $113 per month, or $1356 annually.
- Car insurance in Madison is $30 less than the average cost of car insurance in Wisconsin.
- The cheapest car insurance provider in Madison on average is Clearcover, but you should always compare quotes to find your best personal rate.
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.
Quotes by Top Companies
Progressive$25
State Farm$82
Travelers$94
Nationwide$117
Cheapest Car Insurance in Madison, WI
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Madison | Quotes |
|---|---|
| Progressive | $25 /mo |
| State Farm | $82 /mo |
| Travelers | $94 /mo |
| Nationwide | $117 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Madison. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $85 /mo |
| American Family | 89 | $123 /mo |
| Nationwide | 89 | $166 /mo |
| Safeco | 86 | $124 /mo |
| Liberty Mutual | 82 | $108 /mo |
See More: Best Car Insurance Companies
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.
Madison Car Insurance Rates by Driver Age
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 | Avg. Monthly Cost |
|---|---|
| teens | $220 |
| 20s | $145 |
| 30s | $128 |
| 40s | $108 |
| 50s | $169 |
| 60s | $82 |
| 70s | $79 |
| 80s | $116 |
Madison Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $128 |
| Speeding Ticket | $162 |
| At-Fault Accident | $155 |
| Failure to Stop for Red Light / Stop Sign | $203 |
Madison Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $133 |
| Good | $135 |
| Average | $133 |
| Poor | $151 |
See More: Bad Credit Car Insurance Wisconsin
Find local Madison agents
TRICOR Inc
2001 W. Beltline Hwy,
Suite 201, Madison, WI 53713Belle & Heth Insurance Agency LLC
5940 Seminole Centre Ct,
Madison, WI 53711-5136TC Insurance
6701 Seybold Road,
Madison, WI 53719American Family Brokerage, Inc.
5133 West Terrace Drive,
Madison, WI 53783Neckerman Insurance Services
6200 Mineral Point Road,
Madison, WI 53705Gander Consulting Group LLC
621 North Sherman Avenue,
Madison, WI 53704In Control Insurance Agency
437 South Yellowstone Drive,
Madison, WI 53719Independent Insurance Agents of Wisconsin
725 John Nolen Drive,
Madison, WI 53713-1421Greater Insurance Service Corporation
414 Atlas Avenue,
Madison, WI 53714Midwest Bankers Insurance Services, Inc.
4721 South Biltmore Ln,
Madison, WI 53708
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.
FAQs - Madison, WI Car Insurance
Progressive has an office in Madison, alongside regional carriers like Neckerman Insurance and Rural Mutual that keep plenty of customers satisfied in the region. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Madison Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Madison, Wisconsin below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Madison drivers measure up to their fellow motorists across Wisconsin in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Madison
#4
City with the Most Speeding Tickets Rank in Wisconsin
#17
City with the Most Moving Violations Rank in Wisconsin
#10
City with the Most DUIs Rank in Wisconsin
#9
City with the Most Suspended Licenses in Wisconsin
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.
- Rank within state: #6
- Percent of drivers in Madison with an accident: 10.23%
- Drivers in Madison, WI with an accident in their driving history pay on average 31.9% more than drivers with a clean record
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.
- Rank within state: #4
- Percent of drivers in Madison with a speeding ticket: 14.84%
- Drivers in Madison, WI with a speeding ticket in their driving history pay on average 23.28% more than drivers with a clean record
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.
- Rank within state: #10
- Percent of drivers in Madison with a DUI: 1.57%
- Drivers in Madison, WI with a DUI in their driving history pay on average 10.34% more than drivers with a clean record
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.
- Rank within state: #4
- Percent of drivers in Madison with a reckless driving violation: 2.95%
- Drivers in Madison, WI with a reckless driving violation in their driving history pay on average 41.38% more than drivers with a clean record.
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.
- Rank within state: #2
- Percent of drivers in Madison with clean record: 76.77%
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.
- Rank within state: #4
- Percent of drivers in Madison with a failure to yield violation: 0.65%
- Drivers in Madison, WI with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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.
- Rank within state: #5
- Percent of drivers in Madison with a reckless driving offense: 0.09%
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.
- Rank within state: #3
- Percent of drivers in Madison with a hybrid/electric vehicle: 0.82%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.