Compare Madison, WI Car Insurance Rates (2021)

Car insurance in Madison, WI averages $233 a month. Madison, Wisconsin 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, WI.

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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, WI after a DUI are $3,096/year
  • The cheapest car insurance company in Madison for teen drivers is American Family
  • The cheapest car insurance company in Madison is American Family

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

You’ll find Madison car insurance rates, the cheapest Madison, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Madison, Wisconsin car insurance rates to Green Bay car insurance rates, Oshkosh car insurance rates, and Madison car insurance rates.

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

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

How do age, gender, and marital status affect Madison, WI car insurance rates? Every Madison, Wisconsin 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, Wisconsin

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 $2,217 $2,332 $2,052 $2,265 $7,337 $9,393 $2,243 $2,435
American Family $966 $1,006 $935 $933 $3,265 $3,584 $1,169 $1,245
Farmers $1,865 $1,861 $1,647 $1,752 $9,221 $9,557 $2,122 $2,210
GEICO $1,069 $1,193 $1,132 $1,319 $3,727 $4,021 $987 $1,007
Liberty Mutual $1,541 $1,673 $1,243 $1,404 $5,632 $6,300 $1,638 $1,766
Nationwide $2,970 $3,107 $2,484 $2,605 $6,405 $9,897 $3,637 $4,241
Progressive $1,679 $1,579 $1,382 $1,445 $6,782 $7,621 $2,018 $2,193
State Farm $1,265 $1,265 $1,146 $1,146 $3,931 $4,930 $1,434 $1,657
USAA $1,272 $1,262 $1,162 $1,171 $3,332 $3,842 $1,640 $1,788

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Minimum Car Insurance in Madison, WI

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

Minimum Required Car Insurance Coverage in Madison, Wisconsin

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, WI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Madison, WI. 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, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,963 $3,420 $2,970
American Family $2,188 $1,447 $1,278
Farmers $4,257 $3,620 $3,460
GEICO $2,367 $1,692 $1,362
Liberty Mutual $3,804 $2,321 $1,824
Nationwide $4,967 $4,144 $4,144
Progressive $3,483 $2,989 $2,790
State Farm $3,128 $1,796 $1,367
USAA $2,964 $1,576 $1,261

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

Annual Madison, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,080 $4,245 $3,975 $3,837
American Family $1,566 $1,662 $1,662 $1,662
Farmers $3,288 $4,170 $3,943 $3,716
GEICO $1,231 $2,031 $2,386 $1,580
Liberty Mutual $2,014 $2,898 $2,986 $2,701
Nationwide $3,736 $4,321 $5,295 $4,321
Progressive $2,820 $3,444 $2,933 $3,153
State Farm $1,908 $2,286 $2,097 $2,097
USAA $1,511 $1,913 $2,584 $1,727

Cheapest Madison, WI Car Insurance for Teen Drivers

Teen car insurance in Madison, WI 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, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,337 $9,393
American Family $3,265 $3,584
Farmers $9,221 $9,557
GEICO $3,727 $4,021
Liberty Mutual $5,632 $6,300
Nationwide $6,405 $9,897
Progressive $6,782 $7,621
State Farm $3,931 $4,930
USAA $3,332 $3,842

Cheapest Madison, WI Car Insurance for Seniors

Take a look at Madison, WI 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, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,052 $2,265
American Family $935 $933
Farmers $1,647 $1,752
GEICO $1,132 $1,319
Liberty Mutual $1,243 $1,404
Nationwide $2,484 $2,605
Progressive $1,382 $1,445
State Farm $1,146 $1,146
USAA $1,162 $1,171

Cheapest Madison, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Madison, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,975
American Family $1,662
Farmers $3,943
GEICO $2,386
Liberty Mutual $2,986
Nationwide $5,295
Progressive $2,933
State Farm $2,097
USAA $2,584

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Cheapest Madison, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Madison, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,693 $3,875
American Family $1,610 $1,667
Farmers $3,779 $3,779
GEICO $1,776 $1,838
Liberty Mutual $2,650 $2,650
Nationwide $4,418 $4,418
Progressive $3,087 $3,087
State Farm $2,045 $2,149
USAA $1,909 $1,958

Cheapest Madison, WI 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, WI.

Annual Car Insurance Rates by ZIP Code in Madison, Wisconsin

ZIP Code Average Annual Rates
53562 $2,705
53593 $2,663
53703 $2,753
53704 $2,761
53705 $2,765
53706 $2,801
53711 $2,724
53713 $2,751
53714 $2,747
53715 $2,751
53716 $2,702
53717 $2,730
53718 $2,682
53719 $2,745
53725 $2,866
53726 $2,767
53744 $2,829

The Best Cheap Car Insurance Companies in Madison, WI

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

Average Annual Car Insurance Rates by Company in Madison, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,784
American Family $1,638
Farmers $3,779
GEICO $1,807
Liberty Mutual $2,650
Nationwide $4,418
Progressive $3,087
State Farm $2,097
USAA $1,934

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Category Winners: Cheapest Car Insurance in Madison, Wisconsin

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

Best Annual Car Insurance Rates by Company in Madison, Wisconsin

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

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

Annual Car Insurance Rates by Coverage Level in Madison, Wisconsin

Insurance Company Low Medium High
Allstate $3,632 $3,776 $3,945
American Family $1,613 $1,655 $1,646
Farmers $3,453 $3,750 $4,135
GEICO $1,683 $1,812 $1,926
Liberty Mutual $2,437 $2,678 $2,835
Nationwide $4,266 $4,420 $4,569
Progressive $2,881 $3,120 $3,261
State Farm $1,963 $2,105 $2,223
USAA $1,859 $1,936 $2,006

What affects car insurance rates in Madison, Wisconsin?

What factors can have an impact on Madison, WI 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, Wisconsin.

Car Theft in Madison

High levels of vehicle theft can make car insurance more expensive. Madison, WI car theft statistics from the FBI indicate 532 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, WI is 19.6 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, WI traffic data from INRIX ranks Madison as the 798th-most congested in the world.

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Compare Car Insurance Quotes in Madison, WI

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

Free Car Insurance Comparison

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

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