Compare Madison, NJ Car Insurance Rates (2021)

Car insurance in Madison, NJ averages $390 a month. Madison, New Jersey car insurance requirements are 15/30/5, 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, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Madison, NJ after a DUI are $5,489/year
  • The cheapest car insurance company in Madison for teen drivers is GEICO
  • Average car insurance rates in Madison, NJ are $4,680/year

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

You’ll find Madison car insurance rates, the cheapest Madison, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Madison, New Jersey car insurance rates to Trenton car insurance rates, Passaic car insurance rates, and Jersey City car insurance rates.

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

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

How do age, gender, and marital status affect Madison, NJ car insurance rates? Every Madison, New Jersey 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, New Jersey

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 $2,946 $2,930 $2,834 $2,834 $9,415 $11,859 $3,428 $3,618
Farmers $4,232 $4,273 $4,092 $4,027 $12,639 $14,551 $5,048 $5,252
GEICO $1,854 $1,821 $1,810 $1,810 $3,358 $3,398 $2,124 $2,093
Liberty Mutual $3,583 $3,583 $3,930 $3,930 $9,206 $10,444 $3,930 $4,504
Progressive $1,776 $1,657 $1,606 $1,629 $8,107 $9,157 $2,107 $2,085
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,721 $2,669 $2,514 $2,557 $6,315 $7,201 $2,680 $2,684

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Minimum Car Insurance in Madison, NJ

Every driver must carry the minimum car insurance in Madison, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Madison, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Madison, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison, NJ. 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, New Jersey

Insurance Company Poor Fair Good
Allstate $6,850 $4,516 $3,582
Farmers $7,957 $6,341 $5,995
GEICO $3,420 $1,983 $1,447
Liberty Mutual $6,812 $5,067 $4,287
Progressive $3,908 $3,440 $3,199
State Farm $8,893 $5,377 $4,200
Travelers $4,865 $3,615 $2,523

Cheapest Madison, NJ 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, NJ to rates for a clean record with top companies.

Annual Madison, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,733 $6,205 $5,449 $4,544
Farmers $5,213 $8,912 $7,202 $5,730
GEICO $1,785 $2,334 $3,229 $1,785
Liberty Mutual $5,178 $5,915 $5,284 $5,178
Progressive $3,064 $4,007 $3,452 $3,540
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,834 $4,168 $4,030 $3,640

Cheapest Madison, NJ Car Insurance for Teen Drivers

Teen car insurance in Madison, NJ 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, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,415 $11,859
Farmers $12,639 $14,551
GEICO $3,358 $3,398
Liberty Mutual $9,206 $10,444
Progressive $8,107 $9,157
State Farm $11,692 $15,026
Travelers $6,315 $7,201

Cheapest Madison, NJ Car Insurance for Seniors

Take a look at Madison, NJ 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, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,834 $2,834
Farmers $4,092 $4,027
GEICO $1,810 $1,810
Liberty Mutual $3,930 $3,930
Progressive $1,606 $1,629
State Farm $3,272 $3,272
Travelers $2,514 $2,557

Cheapest Madison, NJ Car Insurance Rates After a DUI

A DUI in Madison, NJ increases car insurance rates. Compare Madison, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Madison, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,449
Farmers $7,202
GEICO $3,229
Liberty Mutual $5,284
Progressive $3,452
State Farm $9,781
Travelers $4,030

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Cheapest Madison, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Madison, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,973 $4,992
Farmers $6,764 $6,764
GEICO $2,265 $2,302
Liberty Mutual $5,337 $5,441
Progressive $3,516 $3,516
State Farm $6,004 $6,309
Travelers $3,668 $3,668

The Best Cheap Car Insurance Companies in Madison, NJ

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

Average Annual Car Insurance Rates by Company in Madison, New Jersey

Insurance Company Average Annual Rates
Allstate $4,983
Farmers $6,764
GEICO $2,283
Liberty Mutual $5,389
Progressive $3,516
State Farm $6,157
Travelers $3,668

Category Winners: Cheapest Car Insurance in Madison, New Jersey

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

Best Annual Car Insurance Rates by Company in Madison, New Jersey

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

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Cheapest Madison, NJ 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, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Madison, New Jersey

Insurance Company Low Medium High
Allstate $4,635 $5,050 $5,263
Farmers $6,219 $6,756 $7,318
GEICO $2,051 $2,329 $2,469
Liberty Mutual $4,849 $5,547 $5,770
Progressive $3,254 $3,566 $3,726
State Farm $5,773 $6,228 $6,469
Travelers $3,382 $3,674 $3,948

What affects car insurance rates in Madison, New Jersey?

What factors can have an impact on Madison, NJ 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, New Jersey.

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, NJ is 31.3 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, NJ traffic data from INRIX ranks Madison as the 798th-most congested in the world.

Compare Car Insurance Quotes in Madison, NJ

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

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