Car insurance coverage in Madison costs an average of $1,207 annually for full coverage. That's $240 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Madison, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.
Read this guide to find out which insurance companies in Madison provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.
Cheapest car insurance companies in Madison
GEICO Casualty Co is the cheapest car insurance company in Madison with an average cost of $547 per year, based on insurance.com's rate analysis. While United Svcs Automobile Assn is second in terms of the cheapest car insurance companies in Madison. The table below shows how major insurance carriers rank for price.
| Company | Average Annual Rates |
|---|---|
| GEICO Casualty Co | $547 |
| United Svcs Automobile Assn | $570 |
| Nationwide General | $780 |
| Standard Fire | $827 |
| State Farm Mutl Automobile Ins | $878 |
| American Family | $1,027 |
| Auto Club Group | $1,091 |
| Erie Ins Exchange | $1,103 |
| Owners | $1,163 |
| Artisan & Truckers Casualty Co | $1,331 |
| Mid-Century | $1,556 |
| Allstate P&C | $1,577 |
| Alpha P&C | $1,942 |
| Metropolitan P&C | $2,504 |
Cheapest car insurance cost in Madison by age group
Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $658 a year or $55 a month.
Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $707 annually.
Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.
Geico Cas Co offers the cheapest car insurance for young adults in Madison at about $908 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $2,453 a year.
The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.
| Company Name | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Geico Cas Co | $658 | $707 | $2,453 | $908 |
| State Farm Mut Auto Ins Co | $945 | $891 | $2,848 | $1,595 |
| Nationwide Ins Co Of Amer | $998 | $921 | $4,005 | $1,981 |
| Artisan & Truckers Cas Co | $1,303 | $1,124 | $6,865 | $2,255 |
| Mid Century Ins Co | $1,608 | $1,491 | $8,249 | $2,797 |
| Allstate Prop & Cas Ins Co | $1,841 | $1,907 | $8,198 | $2,445 |
Cheapest car insurance companies in Madison by driver profile
Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.
However, you can still find affordable coverage in Madison no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.
- Cheapest for a driver with Poor Credit: Geico
- Cheapest for a driver with a speeding ticket: United
- Cheapest for accident: United
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance company for a driver with poor credit in Madison. Its average annual rate is $1,156 or $96 a month.
Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.
| Company | Average Annual Rates |
|---|---|
| Geico | $1,156 |
| United | $1,507 |
| Nationwide | $1,591 |
| Standard Fire Ins Co | $1,951 |
| American Family Ins Co | $2,510 |
| Mid-Century Ins Co | $2,972 |
| Allstate | $3,109 |
| Auto Club | $3,253 |
| Erie Ins | $3,307 |
| Alpha P&C Ins Co | $3,502 |
| Artisan & Truckers Casualty Co | $3,660 |
| Owners Ins Co | $5,585 |
| State Farm | $5,815 |
| Metropolitan | $6,295 |
Cheapest auto insurance for drivers with a speeding ticket: United
United is the cheapest auto insurance company for a driver with a speeding ticket in Madison. Its average annual premium is $986 annually or $82 per month.
If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.
| Company | Average Annual Rates |
|---|---|
| United | $986 |
| State Farm | $1,254 |
| Geico | $1,442 |
| Erie Ins | $1,465 |
| Nationwide | $1,620 |
| Standard Fire Ins Co | $1,731 |
| American Family Ins Co | $1,940 |
| Allstate | $2,340 |
| Mid-Century Ins Co | $2,487 |
| Artisan & Truckers Casualty Co | $2,851 |
| Owners Ins Co | $3,102 |
| Auto Club | $3,120 |
| Alpha P&C Ins Co | $3,464 |
| Metropolitan | $6,039 |
Cheapest auto insurance after an at-fault accident: United
United offers the cheapest car insurance rates for a driver with an accident record in Madison at about $1,164 per year. Apart from United, State Farm, Geico, and Nationwide are other cheap insurance companies on our list.
| Company | Average Annual Rates |
|---|---|
| United | $1,164 |
| State Farm | $1,360 |
| Geico | $1,461 |
| Nationwide | $1,630 |
| Erie Ins | $1,691 |
| Standard Fire Ins Co | $1,734 |
| American Family Ins Co | $1,735 |
| Owners Ins Co | $1,743 |
| Mid-Century Ins Co | $2,650 |
| Auto Club | $2,936 |
| Allstate | $3,228 |
| Artisan & Truckers Casualty Co | $3,416 |
| Alpha P&C Ins Co | $4,282 |
| Metropolitan | $6,226 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,254 year.
If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.
| Company | Average Annual Rates |
|---|---|
| State Farm | $1,254 |
| United | $1,470 |
| Geico | $1,582 |
| Standard Fire Ins Co | $1,810 |
| American Family Ins Co | $1,940 |
| Erie Ins | $1,979 |
| Nationwide | $2,029 |
| Allstate | $2,411 |
| Artisan & Truckers Casualty Co | $2,470 |
| Mid-Century Ins Co | $2,563 |
| Owners Ins Co | $2,832 |
| Alpha P&C Ins Co | $3,032 |
| Auto Club | $6,752 |
| Metropolitan | $8,066 |
Average car insurance cost in Madison
The average car insurance rate in Madison is $1,207 a year for a full coverage policy of 100/300/100 for a driver age 30, $240 less than the national average of $1,447.
The average annual premium in Madison for minimum coverage is $374 a year or $31 a month, based on Insurance.com's rate analysis.
| Average Annual Rates | State Minimum Average |
|---|---|
| $1,207 | $374 |
