Cheap Quotes for Madison, AL Car Insurance (2021)

Madison, Alabama car insurance rates average $294 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Madison, AL companies, you can find cheap Madison car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Madison, AL for senior drivers are $1,857/year
  • Madison has an average commute time of 19.8 minutes
  • Average car insurance rates in Madison, AL are $294/month

How do the Madison, Alabama monthly average car insurance rates of $294/month compare to nearby cities like Decatur car insurance rates, Hoover car insurance rates, and Dothan car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Madison, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Madison, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Madison, Alabama companies to find the most affordable Madison car insurance rates.

Enter your ZIP code above to find cheap Madison, AL car insurance quotes today.

What are the minimum Madison, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Madison, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Madison, Alabama

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

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Average Madison, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Madison, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Madison, Alabama

ZIP Code Average Annual Rates
35756 $3,638
35757 $3,653
35758 $3,602

How do age, gender, and marital status affect Madison, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Madison, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Madison car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Madison, Alabama

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 $1,928 $1,837 $1,752 $1,785 $6,748 $7,264 $2,144 $2,185
Farmers $2,240 $2,221 $2,000 $2,128 $8,801 $9,055 $2,541 $2,630
GEICO $1,841 $1,833 $1,775 $1,851 $4,914 $4,785 $1,944 $1,783
Liberty Mutual $2,854 $3,079 $2,344 $2,620 $10,640 $11,823 $3,027 $3,210
Nationwide $1,768 $1,788 $1,613 $1,667 $4,728 $6,073 $1,966 $2,195
Progressive $2,322 $2,164 $1,914 $2,042 $9,866 $10,990 $2,717 $2,891
State Farm $2,811 $2,811 $2,568 $2,568 $8,800 $11,003 $3,182 $3,671
Travelers $1,312 $1,330 $1,240 $1,235 $7,159 $11,278 $1,245 $1,404
USAA $1,257 $1,270 $1,175 $1,144 $3,769 $4,167 $1,630 $1,753

How much do teen drivers pay for car insurance in Madison, AL?

Madison, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Madison car insurance rates from multiple Madison, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Madison, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,748 $7,264
Farmers $8,801 $9,055
GEICO $4,914 $4,785
Liberty Mutual $10,640 $11,823
Nationwide $4,728 $6,073
Progressive $9,866 $10,990
State Farm $8,800 $11,003
Travelers $7,159 $11,278
USAA $3,769 $4,167

How much do senior drivers pay for car insurance in Madison, AL?

With a little research, seniors can find affordable car insurance in Madison, Alabama. Here’s a look at how the top Madison car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Madison, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,752 $1,785
Farmers $2,000 $2,128
GEICO $1,775 $1,851
Liberty Mutual $2,344 $2,620
Nationwide $1,613 $1,667
Progressive $1,914 $2,042
State Farm $2,568 $2,568
Travelers $1,240 $1,235
USAA $1,175 $1,144

How does coverage level affect Madison, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Madison, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Madison, Alabama

Insurance Company Low Medium High
Allstate $3,084 $3,199 $3,332
Farmers $3,723 $3,899 $4,234
GEICO $2,361 $2,579 $2,832
Liberty Mutual $4,716 $4,926 $5,207
Nationwide $2,707 $2,702 $2,766
Progressive $3,899 $4,343 $4,848
State Farm $4,391 $4,671 $4,968
Travelers $3,102 $3,340 $3,384
USAA $1,946 $2,010 $2,106

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How does your driving record affect Madison, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Madison, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Madison, Alabama companies.

Annual Madison, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,725 $3,211 $3,807 $3,078
Farmers $3,324 $4,308 $4,202 $3,975
GEICO $1,736 $2,818 $3,506 $2,303
Liberty Mutual $3,881 $5,412 $5,277 $5,228
Nationwide $2,386 $2,386 $3,466 $2,661
Progressive $3,926 $4,967 $4,257 $4,303
State Farm $4,201 $5,258 $4,624 $4,624
Travelers $2,730 $2,862 $4,196 $3,314
USAA $1,555 $1,955 $2,890 $1,682

How does a DUI affect Madison, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Madison, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Madison, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,807
Farmers $4,202
GEICO $3,506
Liberty Mutual $5,277
Nationwide $3,466
Progressive $4,257
State Farm $4,624
Travelers $4,196
USAA $2,890

How does your credit history affect Madison, AL car insurance rates?

Take a look at the data here to see how your Madison, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Madison, Alabama

Insurance Company Poor Fair Good
Allstate $3,959 $3,113 $2,544
Farmers $4,423 $3,817 $3,617
GEICO $3,293 $2,351 $2,128
Liberty Mutual $7,068 $4,359 $3,422
Nationwide $3,286 $2,566 $2,323
Progressive $4,901 $4,229 $3,961
State Farm $7,580 $3,840 $2,611
Travelers $3,567 $3,100 $3,159
USAA $2,710 $1,770 $1,582

How does your commute affect Madison, AL car insurance rates?

Madison, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Madison if you’re financing.

Annual Car Insurance Rates by Commute Length in Madison, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,205 $3,205
Farmers $3,952 $3,952
GEICO $2,546 $2,635
Liberty Mutual $4,950 $4,950
Nationwide $2,725 $2,725
Progressive $4,363 $4,363
State Farm $4,562 $4,792
Travelers $3,275 $3,275
USAA $1,928 $2,113

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Who has the cheapest Madison, AL car insurance rates?

Here’s a breakdown of Madison, Alabama car insurance rates by company. You can see which company offers the cheapest Madison car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Madison, Alabama

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

What are the top Madison, AL car insurance companies?

Which Madison, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Madison companies to find the one for you.

Average Annual Car Insurance Rates by Company in Madison, Alabama

Insurance Company Average Annual Rates
Allstate $3,205
Farmers $3,952
GEICO $2,591
Liberty Mutual $4,950
Nationwide $2,725
Progressive $4,363
State Farm $4,677
Travelers $3,275
USAA $2,021

What factors affect Madison, AL car insurance rates?

Why are Madison, Alabama car insurance rates different than rates in Decatur or Hoover? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Madison, AL?

More time spent behind the wheel can lead to higher Madison, Alabama car insurance rates. In Madison, AL, the average commute length is 19.8 minutes.

What is the traffic like in Madison, AL

Like commute length, time spent in traffic also increase risk of accidents. Madison, AL is listed as 798th in INRIX congested cities data.

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Car Insurance Quotes for Madison, AL

Shop for affordable Madison, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Madison, AL car insurance companies.

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