What is the average cost of car insurance in Madison?


Auto insurance costs an average of $1,150 per year in Madison. That's cheaper than the statewide average in Wisconsin ($1,181) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Madison.


MADISON CAR INSURANCE RATES
Madison Average (annual)Wisconsin AverageNational Average
$1,150$1,181$1,548

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Madison car insurance rates by insurer


The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, GEICO provides Madison's cheapest rates. We've listed the best cheap car insurance companies in Madison below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


MADISON CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$779
State Farm$816
Erie$830
West Bend Mutual$856
Acuity$1,133

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Madison

The best age for car insurance rates as a driver in Madison is your 50s: drivers in this age group pay an average of $967per year. Drivers in their 60s pay marginally higher rates — $1,004 per year.

The Madison drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Madison is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Madison is $3,207, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN MADISON
Age groupAverage Yearly Rate
Teenagers$4,708
20s$1,502
30s$1,093
40s$1,029
50s$967
60s$1,004
70s$1,210

Learn more about the impact of age on auto insurance rates.



Madison auto insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. In Madison, married drivers pay $120 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Madison, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. Madison's car insurance cost gap by gender is $19 per year, with male drivers paying more than female drivers.


MADISON CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,094
Male$1,113
Single$993
Married$993
Divorced$1,094
Widowed$1,072

Read more about the relationships between gender, marital status and insurance rates.



Madison car insurance costs by incident history


If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Madison drivers found guilty of reckless driving face insurance rate increases of $506 per year, compared to the citywide average. A DUI violation may lead to a $404 increase, while a citation for speeding leads to a $212 rate hike.


AVERAGE MADISON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$1,553
Reckless Driving$1,655
At-fault Accident (damages less than $1,000)$1,524
At-fault Accident (damages greater than $2,000)$1,637
Speeding Ticket (16-20 mph over speed limit)$1,362

Get more info on how a bad driving history can impact your car insurance costs.



Madison car insurance rates by credit score


In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Madison drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Madison, improving your credit to "Fair" could help you earn a $907 decrease in annual car insurance rates.


MADISON CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Annual Rate
Very Poor$2,248
Fair$1,341
Good$1,113
Very Good$1,008
Exceptional$889

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Madison?

Where you live in Madison affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Madison is no exception to the rule. From ZIP code 53562 to 53726, premiums rise by 4 percent—that’s $38.

Expensive Madison ZIP codes: 53744, 53703, 53706, 53715, 53726

Cheap Madison ZIP codes: 53562, 53718, 53702, 53705, 53597

Madison Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Madison, you can expect 114 rainy days with an annual rainfall of 31 inches. Madison is also known to experience severe winter storms.

114

Rainy Days a Year

31"

Avg. Annual Rainfall

38"

Avg. Annual Snowfall

Be Prepared For

Driving in Madison

2
Major Highways
I-39 I-90 I-94
2
Public Transit
Metro Bus

Find Local Madison Agents

Johnson Insurance Services LLC

525 Junction Road, Madison, WI 53717

Greater Ins Svc Corp

P O Box 8633, Madison, WI 53708

Neckerman Insurance Services

6200 Mineral Point Road, Madison, WI 53705

The Benefit Works LLC

6200 Mineral Point Rd, Madison, WI 53705

National CU Svcs Inc

P O Box 8063, Madison, WI 53708

Consumers Insurance Services, Inc.

PO Box 7698, Madison, WI 53707

Gander Consulting Group, LLC

621 North Sherman Avenue, Madison, WI 53704

Hausmann-Johnson Insurance Inc

700 Regent St, Madison, WI 53715

WBA Employee Benefits Corporation

4721 S Biltmore Ln, Madison, WI 53718

TRICOR Inc

2001 W. Beltline Hwy, Suite 201, Madison, WI 53713

Not sure about Madison

Check out these other Wisconsin cities:

Milwaukee

2

$1,011

The average Madison resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

162

That's equal to 162 cups of coffee or $404 in savings

See How Much You Can Save in Madison

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Recent Questions:

Madison Car Insurance

Will gap insurance pay out if I buy the salvaged vehicle from the insurance company?

Your gap coverage should still cover the $2,000 owed on the loan regardless of what happens after that. I would definitely check directly with your insurance company to make sure there is no stipulation that prevents this if you choose to buy back the salvage title. If you have any questions, feel free to ask.

If I've been paying for an SR-22 that I didn't actually need, will the car insurance company pay me back?

Sorry to hear about your situation. Chances are, you can get reimbursed if the SR-22 is deemed to have been unnecessary.

Can I get a non-owners insurance policy so that I can get a restricted license?

It's hard to give a direct answer to your question, as restricted licenses are considered on a case-by-case basis. Some insurance companies will provide such insurance, but they too would have to know all of the details surrounding your situation.

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.