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...

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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: Jan 20, 2021

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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.

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Here's what you should know...

  • Madison, WI, residents pay less than the national average in car insurance
  • Because of the harsh winters in Wisconsin, it’s important to have adequate coverage on both your vehicle and health
  • Major companies like State Farm, Allstate and Geico are available to Madison residents

Madison car insurance is a requirement for every law-abiding citizen. With new insurance changes in the state statutes, an increasing number of options, and an array of local companies offering car insurance, finding the right policy can seem difficult.

The details below can help savvy shoppers understand the amount and types of car insurance coverage they need, and the average premiums for Madison residents.

Once you gather this information, you can compare quotes easily online with the FREE tool above. Just enter your ZIP code now!

Madison Car Insurance Rates

On average, Wisconsin drivers pay about $350 less per year than the rest of Americans, and Madison drivers pay even lower rates. Madison car insurance costs about $1,009 annually, versus $1,061 for the Wisconsin car insurance average and $1,436, as the state average in car insurance for the U.S.

Average premiums can increase or decrease for a number of reasons. For example, over 28% of Madison drivers are under the age of 25. These young drivers are more likely to be involved in accidents due to their inexperience, so Madison insurance companies charge them, and their parents, higher insurance rates for young drivers car insurance.

Someone who drives a vehicle that is frequently targeted by thieves is also likely to pay more in Madison insurance premiums.

For instance, the National Insurance Crime Bureau reports that the 1998 Dodge Caravan, the 1995 Honda Civic, and the 1992 Honda Accord are some of the most stolen cars in the area.Insurance rates for these vehicles tend to be higher than for similar vehicles with the same model year.


Monthly Madison, WI Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Madison, Wisconsin auto insurance rates by ZIP Code below:

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Madison, WI Car Insurance Rates by Company vs. City Average

Which Madison, WI car insurance company has the best rates? And how do those rates compare against the average Wisconsin car insurance company rates? We’ve got the answers below.

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The Cheapest Madison, WI Car Insurance Rates by Credit Score

Your credit score will play a significant role in your Madison car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Madison, WI car insurance rates by credit score below.

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Madison, WI Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Madison, Wisconsin stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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The Cheapest Madison, WI Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Madison car insurance rates. Find the cheapest Madison, WI car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Madison, WI

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. WI does use gender, so check out the average monthly car insurance rates by age and gender in Madison, WI.

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Madison, WI Car Insurance Rates by Company and Age

Madison, WI car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Madison, WI Car Insurance Rates by Driving Record

Your driving record will play a major role in your Madison car insurance rates. For example, other factors aside, a Madison, WI DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Madison, WI car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Madison, WI

Factors affecting car insurance rates in Madison, WI may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Madison, Wisconsin car insurance.

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Free Car Insurance Comparison

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

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Madison Car Insurance Basics

Madison is Wisconsin’s capital and second largest city. With over 233,000 people in the city and 562,000 people in the metropolitan region, this area provides a number of opportunities in government, education, and health care.

The area also presents an environment ripe for accidents and the seemingly inevitable car insurance claim. Winter temperatures frequently dip below freezing and moderate to heavy snow is common. Additional collisions occur on the icy roads around the Four Lakes, and every driver dreads the traffic on the Beltline, I-90, I-94, and I-39.

An adequate level of Madison car insurance is essential for financial protection, especially due to the elevated risk of a winter car accident.

Driver Requirements for Madison Car Insurance

Current Wisconsin law requires drivers in Madison to carry at least a 25/50/10 liability policy anytime they take their vehicles on the roadways. This Madison car insurance policy consists of:

  • $25,000 is the state minimum car insurance coverage of bodily injury and death coverage for a single person.
  • $50,000 is the least allowable amount of total bodily injury and death coverage for more than one person involved in a single accident.
  • $10,000 is the minimum coverage of property damage liability for a single accident.

These minimum insurance requirements apply to policies issued or renewed on or after November 1, 2011. Madison car insurance policies issued before that date are still required to have the previous limits of 50/100/15.

In addition to the minimum liability requirements, Madison drivers must also carry uninsured motorist coverage of $25,000/$50,000 for bodily injuries. Under 2011 Wisconsin Act 14, underinsured motorist coverage is no longer mandatory.

Prior to November 1, 2011, drivers must purchase both uninsured and underinsured motorist coverages of at least $100,000/$300,000 for bodily injuries.

The medical payments, or MedPay, portion of Madison’s city car insurance covers the healthcare and funeral expenses for the policy owner or other people injured or killed while riding in the insured vehicle. Insurers are obligated to offer this type of coverage, but residents of Madison are not required to accept.

If a Madison driver chooses to purchase medical payments insurance before November 1, 2011, the minimum level is $10,000. On or after November 1, 2011, the minimum level drops to $1,000. This new level applies to both new policies and policy renewals.

Related Insurance Laws for Madison, WI

After a policy is issued, Madison car insurance companies have a 59-day window in which to cancel the insurance for any reason. The company must provide a 10-day notice of cancellation.

Insurance companies that alter the terms of their renewal contracts must leave a 60-day gap before the changes can take place. The only exception to this prior notice requirement is if the only modification to the policy is the rate change and the rate changes less than 25 percent. Madison car insurance providers must also provide a 60-day written warning if they choose not to renew a policy.

Car insurers in Madison cannot refuse to issue or renew a policy based solely on any of the following characteristics:

  • Gender
  • Age
  • Race
  • National origin
  • Religion
  • Occupation
  • Marital status
  • Sexual preference
  • Physical disability
  • Past mental disability
  • Moral character

Free Car Insurance Comparison

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

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Madison Car Insurance Companies

Madison is home to a wide selection of insurers, including the companies listed below. By taking the time to compare Madison car insurance quotes from a number of carriers, you can make sure you receive quality coverage at an affordable price. You can see how much you can save today by using our free car insurance quote comparison search!

  • State Auto
  • State Farm
  • American Family
  • Allstate
  • Safeco
  • Encompass
  • Geico
  • Rural Mutual Insurance

Madison car insurance customers can receive some of the best premiums in the state but only if they compare policies and make a fully informed decision. The simplest method for conducting an in-depth comparison is to complete our free car insurance quote form.

The same data is submitted to several auto insurance companies, which means that the quotes, discounts, and terms you receive back will be based on apples-to-apples figures.

By performing a free Madison car insurance comparison, you can discover whether that rate you were quoted by a big insurance agency is truly the cheapest car insurance on the block. You get the auto insurance you need at a price you can afford, just by investing a few minutes of your time. Our company aims to make buying Madison car insurance easy, so start the process today and see how simple saving money can be.

Try it out now with our FREE car insurance quote comparison tool! Enter your ZIP code below!