Compare Madison, AL Car Insurance Rates (2021)

Car insurance in Madison, AL averages $294 a month. Madison, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Madison car insurance rates, compare quotes from the top car insurance companies in Madison, AL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Madison, AL are $3,529/year
  • The cheapest car insurance company in Madison is USAA
  • The cheapest car insurance company in Madison for teen drivers is USAA

If you need to buy Madison, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Madison, AL is right here.

You’ll find Madison car insurance rates, the cheapest Madison, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Madison, Alabama car insurance rates to Madison car insurance rates, Tuscaloosa car insurance rates, and Birmingham car insurance rates.

Ready to find affordable Madison, AL car insurance today? Enter your ZIP code for fast, free Madison car insurance quotes.

Cheapest Madison, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Madison, AL car insurance rates? Every Madison, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Madison, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,928 $1,837 $1,752 $1,785 $6,748 $7,264 $2,144 $2,185
Farmers $2,240 $2,221 $2,000 $2,128 $8,801 $9,055 $2,541 $2,630
GEICO $1,841 $1,833 $1,775 $1,851 $4,914 $4,785 $1,944 $1,783
Liberty Mutual $2,854 $3,079 $2,344 $2,620 $10,640 $11,823 $3,027 $3,210
Nationwide $1,768 $1,788 $1,613 $1,667 $4,728 $6,073 $1,966 $2,195
Progressive $2,322 $2,164 $1,914 $2,042 $9,866 $10,990 $2,717 $2,891
State Farm $2,811 $2,811 $2,568 $2,568 $8,800 $11,003 $3,182 $3,671
Travelers $1,312 $1,330 $1,240 $1,235 $7,159 $11,278 $1,245 $1,404
USAA $1,257 $1,270 $1,175 $1,144 $3,769 $4,167 $1,630 $1,753

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Madison, AL

Every driver must carry the minimum car insurance in Madison, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car Insurance Coverage in Madison, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Madison, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison, AL. Compare credit history car insurance rates in Madison from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Madison, Alabama

Insurance Company Poor Fair Good
Allstate $3,959 $3,113 $2,544
Farmers $4,423 $3,817 $3,617
GEICO $3,293 $2,351 $2,128
Liberty Mutual $7,068 $4,359 $3,422
Nationwide $3,286 $2,566 $2,323
Progressive $4,901 $4,229 $3,961
State Farm $7,580 $3,840 $2,611
Travelers $3,567 $3,100 $3,159
USAA $2,710 $1,770 $1,582

Cheapest Madison, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Madison, AL to rates for a clean record with top companies.

Annual Madison, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,725 $3,211 $3,807 $3,078
Farmers $3,324 $4,308 $4,202 $3,975
GEICO $1,736 $2,818 $3,506 $2,303
Liberty Mutual $3,881 $5,412 $5,277 $5,228
Nationwide $2,386 $2,386 $3,466 $2,661
Progressive $3,926 $4,967 $4,257 $4,303
State Farm $4,201 $5,258 $4,624 $4,624
Travelers $2,730 $2,862 $4,196 $3,314
USAA $1,555 $1,955 $2,890 $1,682

Cheapest Madison, AL Car Insurance for Teen Drivers

Teen car insurance in Madison, AL can be expensive. Take a look at rates from the top car insurance companies in Madison for teenagers.

Annual Car Insurance Rates for Teen Drivers in Madison, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,748 $7,264
Farmers $8,801 $9,055
GEICO $4,914 $4,785
Liberty Mutual $10,640 $11,823
Nationwide $4,728 $6,073
Progressive $9,866 $10,990
State Farm $8,800 $11,003
Travelers $7,159 $11,278
USAA $3,769 $4,167

Cheapest Madison, AL Car Insurance for Seniors

Take a look at Madison, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Madison, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,752 $1,785
Farmers $2,000 $2,128
GEICO $1,775 $1,851
Liberty Mutual $2,344 $2,620
Nationwide $1,613 $1,667
Progressive $1,914 $2,042
State Farm $2,568 $2,568
Travelers $1,240 $1,235
USAA $1,175 $1,144

Cheapest Madison, AL Car Insurance Rates After a DUI

A DUI in Madison, AL increases car insurance rates. Compare Madison, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Madison, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,807
Farmers $4,202
GEICO $3,506
Liberty Mutual $5,277
Nationwide $3,466
Progressive $4,257
State Farm $4,624
Travelers $4,196
USAA $2,890

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Madison, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Madison, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Madison, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,205 $3,205
Farmers $3,952 $3,952
GEICO $2,546 $2,635
Liberty Mutual $4,950 $4,950
Nationwide $2,725 $2,725
Progressive $4,363 $4,363
State Farm $4,562 $4,792
Travelers $3,275 $3,275
USAA $1,928 $2,113

Cheapest Madison, AL Car Insurance Rates by ZIP Code

Madison car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Madison, AL.

Annual Car Insurance Rates by ZIP Code in Madison, Alabama

ZIP Code Average Annual Rates
35756 $3,638
35757 $3,653
35758 $3,602

The Best Cheap Car Insurance Companies in Madison, AL

Take a look at a side-by-side comparison of the top car insurance companies in Madison, AL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Madison, Alabama

Insurance Company Average Annual Rates
Allstate $3,205
Farmers $3,952
GEICO $2,591
Liberty Mutual $4,950
Nationwide $2,725
Progressive $4,363
State Farm $4,677
Travelers $3,275
USAA $2,021

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Madison, Alabama

Find the cheapest car insurance companies in Madison, AL for each category right here.

Best Annual Car Insurance Rates by Company in Madison, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Madison, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Madison car insurance rates. Find the cheapest Madison, AL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Madison, Alabama

Insurance Company Low Medium High
Allstate $3,084 $3,199 $3,332
Farmers $3,723 $3,899 $4,234
GEICO $2,361 $2,579 $2,832
Liberty Mutual $4,716 $4,926 $5,207
Nationwide $2,707 $2,702 $2,766
Progressive $3,899 $4,343 $4,848
State Farm $4,391 $4,671 $4,968
Travelers $3,102 $3,340 $3,384
USAA $1,946 $2,010 $2,106

What affects car insurance rates in Madison, Alabama?

What factors can have an impact on Madison, AL car insurance? There are several reasons why Madison car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Madison, Alabama.

Commute Time in Madison

The more time you spend in your car the higher the risk of an accident. The average commute length in Madison, AL is 19.8 minutes according to City-Data.

Traffic in Madison

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Madison, AL traffic data from INRIX ranks Madison as the 798th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Madison, AL

Ready to find affordable Madison, Alabama car insurance today? Enter your ZIP code for fast, free Madison, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption