Compare Madison, NY Car Insurance Rates (2021)

Car insurance in Madison, NY averages $267 a month. Madison, New York car insurance requirements are 25/50/10, 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, NY.

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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, NY are $3,201/year
  • The cheapest car insurance company in Madison is GEICO
  • Average car insurance rates in Madison, NY after a DUI are $4,210/year

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

You’ll find Madison car insurance rates, the cheapest Madison, NY car insurance companies, and information on New York car insurance laws. You can also compare Madison, New York car insurance rates to Mount Vernon car insurance rates, New Rochelle car insurance rates, and Buffalo car insurance rates.

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

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

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

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 $2,414 $2,290 $2,247 $2,285 $6,845 $7,350 $2,438 $2,476
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $2,172 $2,172 $2,051 $2,051 $3,851 $5,729 $2,172 $2,765
Progressive $1,739 $1,643 $1,411 $1,428 $5,739 $6,408 $2,242 $2,195
State Farm $2,182 $2,182 $1,900 $1,900 $6,402 $8,287 $2,395 $2,545
Travelers $2,477 $2,515 $2,261 $2,435 $5,751 $6,848 $2,635 $2,760
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

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Minimum Car Insurance in Madison, NY

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

Minimum Required Car Insurance Coverage in Madison, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Madison, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison, NY. 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 York

Insurance Company Poor Fair Good
Allstate $5,042 $2,986 $2,600
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,870 $2,870 $2,870
Progressive $4,501 $2,338 $1,713
State Farm $4,906 $3,076 $2,441
Travelers $4,746 $3,012 $2,623
USAA $4,512 $2,242 $1,983

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

Annual Madison, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,025 $3,025 $4,347 $3,775
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $2,197 $2,197 $4,839 $2,247
Progressive $2,775 $2,775 $3,060 $2,791
State Farm $3,312 $3,312 $3,636 $3,636
Travelers $2,968 $3,688 $3,743 $3,441
USAA $2,589 $2,631 $3,799 $2,631

Cheapest Madison, NY Car Insurance for Teen Drivers

Teen car insurance in Madison, NY 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 York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,845 $7,350
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,851 $5,729
Progressive $5,739 $6,408
State Farm $6,402 $8,287
Travelers $5,751 $6,848
USAA $6,103 $7,296

Cheapest Madison, NY Car Insurance for Seniors

Take a look at Madison, NY 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 York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,247 $2,285
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $2,051 $2,051
Progressive $1,411 $1,428
State Farm $1,900 $1,900
Travelers $2,261 $2,435
USAA $1,379 $1,382

Cheapest Madison, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,347
GEICO $3,007
Liberty Mutual $7,251
Nationwide $4,839
Progressive $3,060
State Farm $3,636
Travelers $3,743
USAA $3,799

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Cheapest Madison, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Madison, NY 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 York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,495 $3,591
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,870 $2,870
Progressive $2,851 $2,851
State Farm $3,354 $3,595
Travelers $3,460 $3,460
USAA $2,883 $2,941

The Best Cheap Car Insurance Companies in Madison, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,543
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,870
Progressive $2,851
State Farm $3,474
Travelers $3,460
USAA $2,912

Category Winners: Cheapest Car Insurance in Madison, New York

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

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

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

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

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

Insurance Company Low Medium High
Allstate $3,376 $3,533 $3,720
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,716 $2,850 $3,045
Progressive $2,717 $2,837 $2,998
State Farm $3,289 $3,495 $3,638
Travelers $3,293 $3,427 $3,660
USAA $2,839 $2,901 $2,997

What affects car insurance rates in Madison, New York?

What factors can have an impact on Madison, NY 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 York.

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, NY is 21.3 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, NY traffic data from INRIX ranks Madison as the 798th-most congested in the world.

Compare Car Insurance Quotes in Madison, NY

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

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