How Much Does Auto Insurance Cost in Madison?


It is common knowledge that Madison has economical premiums, as its mean premium sits under the state average by $61. Who doesn't like saving money? Check out some methods to save on car insurance in Madison.


CAR INSURANCE RATES: MADISON VS. STATE/US AVERAGES
City AverageState AverageNational Average
$979$1,040$1,427


Madison Auto Insurance Costs by Age Bracket

Teenage drivers have the largest premiums amongst all the age groups. They have car insurance payments that average $4,748. At $861, drivers in their 50s have the lowest rates among any age group. People in their 60s ($898) also have relatively low premiums. In Madison, drivers see the most significant fall in premiums when they hit their 20s, as they save an average of $3,374 from moving out of the teenage age range. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time.


MADISON CAR INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$4,748
20s$1,374
30s$965
40s$927
50s$861
60s$898
70s$1,076


Madison Car Insurance by Marital Status and Gender


Both marital status and gender are among the many driver characteristics that can have an effect on car insurance premiums in Madison. However, premiums for men tend to be only slightly more pricey than for women. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being single, as opposed to married, can cost you close to 9% more per year on car insurance.


MADISON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$977
Male$979
Single$979
Married$899
Divorced$979
Widowed$972


Madison Auto Insurance With Accidents or Violations


Do you have a history of accidents or violations? That can have an impact on your premiums. Being at-fault in an accident can cost drivers an extra 55% per year in premiums compared to the city average. In Madison, drivers with a DUI have rates 64% greater than the city average ($979). Reckless driving will also drive your rates up, with average rates of $1,460, which are 49% higher than the city average.


AVERAGE MADISON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI$1,608
Reckless Driving$1,460
At-fault Accident (damages less than $1,000)$1,520
At-fault Accident (damages greater than $2,000)$1,520
Speeding Ticket (16-20 mph over speed limit)$1,227


Madison Auto Insurance by Credit Level


Individuals with Very Poor credit (300-579) pay an average of more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers can save around 17% per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).


MADISON AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Auto Insurance Rate
Very Poor$1,763
Fair$1,464
Good$1,220
Very Good$1,025
Exceptional$853


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Madison, you can expect 114 rainy days with an annual rainfall of 31 inches. Madison is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

114

Rainy Days a Year

31"

Avg. Annual Rainfall

38"

Avg. Annual Snowfall

Be Prepared For

Driving in Madison

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

Find Local Madison Agents

The Benefit Works LLC

6200 Mineral Point Rd Madison, WI 53705

Johnson Insurance Services LLC

525 Junction Road Madison, WI 53717

TRICOR Inc

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

Consumers Insurance Services, Inc.

PO Box 7698 Madison, WI 53707

Greater Ins Svc Corp

P O Box 8633 Madison, WI 53708

WBA Employee Benefits Corporation

4721 S Biltmore Ln Madison, WI 53718

Gander Consulting Group, LLC

621 North Sherman Avenue Madison, WI 53704

Neckerman Insurance Services

6200 Mineral Point Road Madison, WI 53705

Hausmann-Johnson Insurance Inc

700 Regent St Madison, WI 53715

National CU Svcs Inc

P O Box 8063 Madison, WI 53708

See All

Not sure about Madison

Check out these other Wisconsin cities...

Milwaukee

$1,011

The average Madison resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

162

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

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Additional Resources:

Madison Car Insurance

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