Cheap Quotes for Madison, FL Car Insurance (2021)

Madison, Florida car insurance rates average $311 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Madison, FL 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 Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Madison, FL after a DUI are $4,445/year
  • Average car insurance rates in Madison, FL for senior drivers are $2,268/year
  • Madison has an average commute time of 18.3 minutes

How do the Madison, Florida monthly average car insurance rates of $311/month compare to nearby cities like St. Petersburg car insurance rates, Tallahassee car insurance rates, and Tampa car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Madison, FL.

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

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

What are the minimum Madison, FL car insurance requirements?

To meet Florida minimum car insurance coverage requirements, Madison, FL drivers need to carry at least 10/20/10 coverage.

Minimum Required Car Insurance Coverage in Madison, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Three of the criteria that most affect car insurance rates in Madison, Florida 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, Florida

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 $3,467 $3,342 $3,017 $3,079 $11,709 $12,685 $3,542 $3,626
GEICO $2,399 $2,422 $2,239 $2,239 $4,173 $5,282 $2,645 $2,718
Liberty Mutual $3,165 $3,165 $2,902 $2,902 $6,659 $10,241 $3,165 $4,279
Nationwide $2,302 $2,284 $2,057 $2,134 $5,480 $6,791 $2,533 $2,652
Progressive $3,093 $2,943 $2,665 $2,858 $8,493 $9,366 $3,749 $3,660
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

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

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

Annual Car Insurance Rates for Teen Drivers in Madison, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,709 $12,685
GEICO $4,173 $5,282
Liberty Mutual $6,659 $10,241
Nationwide $5,480 $6,791
Progressive $8,493 $9,366
State Farm $4,900 $6,272
USAA $4,617 $5,403

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

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

Annual Car Insurance Rates for Senior Drivers in Madison, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,017 $3,079
GEICO $2,239 $2,239
Liberty Mutual $2,902 $2,902
Nationwide $2,057 $2,134
Progressive $2,665 $2,858
State Farm $1,546 $1,546
USAA $1,282 $1,281

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

How much coverage do you need? Are you comfortable with the Florida minimum of 10/20/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Madison, FL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Madison, Florida

Insurance Company Low Medium High
Allstate $4,446 $5,810 $6,420
GEICO $2,522 $3,107 $3,415
Liberty Mutual $4,208 $4,628 $4,844
Nationwide $2,669 $3,395 $3,774
Progressive $4,000 $4,689 $5,120
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

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

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

Annual Madison, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,816 $5,723 $6,362 $5,332
GEICO $2,166 $2,708 $3,924 $3,261
Liberty Mutual $3,318 $4,278 $6,151 $4,491
Nationwide $2,824 $3,078 $4,094 $3,120
Progressive $3,663 $5,356 $4,520 $4,873
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

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

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

Annual Car Insurance Rates After a DUI in Madison, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,362
GEICO $3,924
Liberty Mutual $6,151
Nationwide $4,094
Progressive $4,520
State Farm $2,707
USAA $3,354

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

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

Annual Car Insurance Rates by Credit Score in Madison, Florida

Insurance Company Poor Fair Good
Allstate $7,742 $4,918 $4,015
GEICO $4,294 $2,683 $2,067
Liberty Mutual $5,867 $4,311 $3,501
Nationwide $4,095 $3,013 $2,729
Progressive $6,021 $4,252 $3,536
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

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

Madison, FL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Florida 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, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,398 $5,719
GEICO $2,999 $3,030
Liberty Mutual $4,413 $4,706
Nationwide $3,279 $3,279
Progressive $4,603 $4,603
State Farm $2,617 $2,797
USAA $2,344 $2,398

Who has the cheapest Madison, FL car insurance rates?

Here’s a breakdown of Madison, Florida 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, Florida

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

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What are the top Madison, FL car insurance companies?

Which Madison, Florida 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, Florida

Insurance Company Average Annual Rates
Allstate $5,558
GEICO $3,015
Liberty Mutual $4,560
Nationwide $3,279
Progressive $4,603
State Farm $2,707
USAA $2,371

What factors affect Madison, FL car insurance rates?

Why are Madison, Florida car insurance rates different than rates in St. Petersburg or Tallahassee? 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, FL?

More time spent behind the wheel can lead to higher Madison, Florida car insurance rates. In Madison, FL, the average commute length is 18.3 minutes.

What is the traffic like in Madison, FL

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

Car Insurance Quotes for Madison, FL

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