Cheap Quotes for Madison, WI Car Insurance (2021)

Madison, Wisconsin car insurance rates average $233 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Madison, WI 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, WI after a DUI are $3,096/year
  • Madison has an average commute time of 19.6 minutes
  • Average car insurance rates in Madison, WI for senior drivers are $1,512/year

How do the Madison, Wisconsin monthly average car insurance rates of $233/month compare to nearby cities like Kenosha car insurance rates, Oshkosh car insurance rates, and Janesville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Madison, WI.

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

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

What are the minimum Madison, WI car insurance requirements?

To meet Wisconsin minimum car insurance coverage requirements, Madison, WI drivers need to carry at least 25/50/10 coverage.

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

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Average Madison, WI Car Insurance Rates by ZIP Code

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

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

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

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

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

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

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

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

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

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

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

How much coverage do you need? Are you comfortable with the Wisconsin minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Madison, WI car insurance rates will be. Let’s take a look.

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

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

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

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

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

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

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

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

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

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

Madison, WI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Wisconsin 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, 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

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Who has the cheapest Madison, WI car insurance rates?

Here’s a breakdown of Madison, Wisconsin 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, 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

What are the top Madison, WI car insurance companies?

Which Madison, Wisconsin 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, 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

What factors affect Madison, WI car insurance rates?

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

What is the car theft rate in Madison, WI?

FBI statistics show that the Madison, Wisconsin car theft rate is 532 thefts each year. High theft rates can lead to higher than average Madison, WI car insurance rates.

How long is the average commute in Madison, WI?

More time spent behind the wheel can lead to higher Madison, Wisconsin car insurance rates. In Madison, WI, the average commute length is 19.6 minutes.

What is the traffic like in Madison, WI

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

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Car Insurance Quotes for Madison, WI

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

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