Compare Madison, SD Car Insurance Rates (2021)

Car insurance in Madison, SD averages $299 a month. Madison, South Dakota 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, SD.

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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

  • The cheapest car insurance company in Madison is State Farm
  • Average car insurance rates in Madison, SD after a DUI are $4,344/year
  • Average car insurance rates in Madison, SD are $3,592/year

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

You’ll find Madison car insurance rates, the cheapest Madison, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Madison, South Dakota car insurance rates to Box Elder car insurance rates, Yankton car insurance rates, and Pierre car insurance rates.

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

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

How do age, gender, and marital status affect Madison, SD car insurance rates? Every Madison, South Dakota 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, South Dakota

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 $2,428 $2,484 $2,139 $2,288 $9,928 $11,847 $2,752 $3,013
American Family $2,659 $2,659 $2,364 $2,364 $5,616 $8,249 $2,659 $3,266
Farmers $1,801 $1,804 $1,583 $1,651 $8,207 $8,528 $2,014 $2,143
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,762 $4,088 $2,968 $3,605 $14,670 $16,464 $3,950 $4,394
Nationwide $1,677 $1,718 $1,503 $1,600 $3,713 $4,774 $1,889 $2,048
Progressive $1,721 $1,687 $1,419 $1,467 $6,470 $7,338 $2,155 $2,254
State Farm $1,419 $1,419 $1,228 $1,228 $3,566 $4,568 $1,589 $1,787

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Minimum Car Insurance in Madison, SD

Every driver must carry the minimum car insurance in Madison, SD. Take a look at the South Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Madison, South Dakota

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, SD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison, SD. 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, South Dakota

Insurance Company Poor Fair Good
Allstate $5,617 $4,396 $3,817
American Family $4,802 $3,463 $2,924
Farmers $3,913 $3,311 $3,174
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $2,853 $2,260 $1,983
Progressive $3,520 $2,946 $2,726
State Farm $3,056 $1,828 $1,417

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

Annual Madison, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,824 $4,437 $5,901 $4,278
American Family $2,703 $3,999 $5,125 $3,092
Farmers $2,952 $3,738 $3,647 $3,528
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,678 $7,052 $7,325 $6,894
Nationwide $1,726 $2,372 $3,369 $1,993
Progressive $2,639 $3,596 $2,845 $3,175
State Farm $1,963 $2,238 $2,100 $2,100

Cheapest Madison, SD Car Insurance for Teen Drivers

Teen car insurance in Madison, SD 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, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $11,847
American Family $5,616 $8,249
Farmers $8,207 $8,528
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,713 $4,774
Progressive $6,470 $7,338
State Farm $3,566 $4,568

Cheapest Madison, SD Car Insurance for Seniors

Take a look at Madison, SD 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, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,139 $2,288
American Family $2,364 $2,364
Farmers $1,583 $1,651
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,503 $1,600
Progressive $1,419 $1,467
State Farm $1,228 $1,228

Cheapest Madison, SD Car Insurance Rates After a DUI

A DUI in Madison, SD increases car insurance rates. Compare Madison, South Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Madison, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,901
American Family $5,125
Farmers $3,647
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,369
Progressive $2,845
State Farm $2,100

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Cheapest Madison, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Madison, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,497 $4,723
American Family $3,684 $3,775
Farmers $3,466 $3,466
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,365 $2,365
Progressive $3,064 $3,064
State Farm $2,049 $2,152

The Best Cheap Car Insurance Companies in Madison, SD

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

Average Annual Car Insurance Rates by Company in Madison, South Dakota

Insurance Company Average Annual Rates
Allstate $4,610
American Family $3,730
Farmers $3,466
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,365
Progressive $3,064
State Farm $2,100

Category Winners: Cheapest Car Insurance in Madison, South Dakota

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

Best Annual Car Insurance Rates by Company in Madison, South Dakota

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

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

Annual Car Insurance Rates by Coverage Level in Madison, South Dakota

Insurance Company Low Medium High
Allstate $4,493 $4,603 $4,734
American Family $3,733 $3,834 $3,621
Farmers $3,309 $3,427 $3,663
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,223 $2,354 $2,519
Progressive $2,986 $3,039 $3,166
State Farm $2,027 $2,102 $2,172

What affects car insurance rates in Madison, South Dakota?

What factors can have an impact on Madison, SD 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, South Dakota.

Car Theft in Madison

High levels of vehicle theft can make car insurance more expensive. Madison, SD car theft statistics from the FBI indicate 1 vehicle thefts a year.

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, SD is 10.8 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, SD traffic data from INRIX ranks Madison as the 798th-most congested in the world.

Compare Car Insurance Quotes in Madison, SD

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

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