A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Madison for teen drivers is American Family
  • The cheapest car insurance company in Madison after a DUI is American Family
  • Average car insurance rates in Madison, WI for senior drivers are $1,512/year

Average car insurance rates in Madison, Wisconsin are $233 a month. But with a little research you can get a great deal from the top car insurance companies in Madison, WI. Before you buy Madison, Wisconsin car insurance, make sure your coverage meets or exceeds the Wisconsin minimum of 25/50/10.

It may even be helpful to compare Madison car insurance rates with Milwaukee car insurance rates, Waukesha car insurance rates, or Janesville car insurance rates to make sure you’re getting the best Madison, WI car insurance quotes available.

Need affordable Madison, WI car insurance? Enter your ZIP code to compare Madison car insurance quotes from multiple car insurance companies near you.

Madison, WI Minimum Car Insurance Coverage

Madison, Wisconsin law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

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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Madison, WI Car Insurance Rates by Coverage Level

Some Madison drivers can get by with the Wisconsin minimum coverage of 25/50/10. Other drivers may need more. See how much your Madison, Wisconsin car insurance rates may be based on the coverage you need.

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

Madison, WI Car Insurance Rates by Age, Gender, and Marital Status

Madison, Wisconsin car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Madison, WI car insurance, get quotes from multiple car insurance companies in the Madison area and see how these criteria affect your rates.

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

Madison, WI Car Insurance Rates for Teens

How much is Madison, Wisconsin car insurance for teens? Compare rates from top Madison car insurance companies below to help find the cheapest teen car insurance in Madison, WI.

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

Madison, WI Car Insurance Rates for Seniors

Before seniors buy Madison, Wisconsin car insurance, they should make sure to shop around. Some Madison, WI car insurance companies may offer discounts or other savings options for senior car insurance.

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

Madison, WI Car Insurance Rates by Credit History

How does your credit history affect Madison, WI car insurance rates? Review the numbers here to find out.

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

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Madison, WI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Madison, Wisconsin car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Madison.

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

Madison, WI Car Insurance Rates With a DUI

Even a single DUI can increase your Madison, WI car insurance rates. Compare rates below to see which Madison car insurance company has the best rates for drivers with a DUI.

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

Madison, WI Car Insurance Rates by ZIP Code

Just like Madison car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Madison, WI car insurance rates fluctuate 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

Madison, WI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Madison, WI car insurance rates may be. Let’s take a look at average car insurance rates from top Madison companies based on commute time.

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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Madison, WI Cheapest Car Insurance Rates

How do the top Madison, Wisconsin car insurance companies’ average rates stack up against the Madison average monthly car insurance rates of $233? Take a look and see.

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

Madison, WI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Madison, Wisconsin car insurance companies to help you find one that best fits your needs.

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

Other Factors Affecting Madison, WI Car Insurance Rates

Before you buy Madison, Wisconsin car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Madison, WI Car Theft Rates

The car theft rate in Madison, WI will affect your car insurance rates. FBI data shows that the annual car theft rate for Madison, Wisconsin is 532 stolen cars.

Madison, WI Commute Time

How does your Madison, WI commute time compare with the average driver? In Madison, the average commute is 19.6 minutes.

Madison, WI Traffic

Spending time in Madison traffic can lead to higher car insurance rates. According to INRIX data, Madison, WI ranks as the 798th-most congested with traffic in the world.

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Madison, WI Car Insurance Quotes

Compare Madison, WI car insurance quotes from multiple companies by entering your ZIP code now.