The Cheapest Car Insurance In Madison, WI For 2024
In Madison, Erie is known for providing the cheapest choice, typically priced at around $25 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re on the hunt for inexpensive car insurance in Madison, WI, you’ve got several options to explore. Among these, Erie catches the eye with its competitive rates. Typically, folks in Madison dish out about $25 monthly for Erie’s car insurance, which is quite a bit cheaper compared to the state average of $118.
If you’re after the cheapest liability-only coverage, Erie is your go-to choice. But if you need broader protection, Erie still comes recommended, offering full coverage plans for around $100 each month. And if you’re a young driver, GEICO shines as the top pick, with rates starting at just $55 monthly.
Cheapest Car Insurance Companies In Madison, WI
How Much Is Car Insurance In Madison, WI?
Erie offers the cheapest car insurance in Madison, Wisconsin, coming in at $102 per month. But when you look at the rates for Wisconsin and the whole country, shown in the table, you’ll see there’s a significant difference in how affordable it is.
| Area | Average Monthly Rate |
| National | $152 |
| Wisconsin | $118 |
| Madison, WI | $102 |
Cheapest Car Insurance Rates In Madison For Teenagers
Young drivers in Madison have the opportunity to get reasonably priced car insurance quotes through Nationwide. On average, they might expect to pay around $85 each month to ensure their vehicles.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $120 | $1,438 |
| Nationwide | $85 | $1,018 |
| Auto-Owners | $147 | $1,762 |
| Allstate | $160 | $1,918 |
| Farmers | $162 | $1,942 |
Cheapest Car Insurance Rates In Madison For Minimum Coverage
In Madison, Erie provides the cheapest car insurance for basic coverage, usually around $25 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $32 | $382 |
| GEICO | $30 | $358 |
| Chubb | $40 | $478 |
| Erie | $25 | $298 |
| Allstate | $52 | $622 |
Cheapest Car Insurance Rates In Madison For Seniors
GEICO provides affordable car insurance specifically designed for older folks residing in Madison. The typical monthly rates are about $45, making it an economical choice for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $68 | $778 |
| Acuity | $72 | $862 |
| Farmers | $75 | $898 |
| GEICO | $45 | $538 |
| Erie | $60 | $718 |
Cheapest Car Insurance Rates In Madison For Full Coverage
Erie provides excellent discounts for comprehensive car insurance in Madison, with typical monthly costs averaging around $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $192 | $2,302 |
| GEICO | $135 | $1,618 |
| State Farm | $120 | $1,438 |
| Progressive | $153 | $1,834 |
| Erie | $100 | $1,198 |
Cheapest Car Insurance Rates In Madison For Good Drivers
Erie provides cheap car insurance estimates for careful drivers living in Madison, usually around $25 each month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $32 | $382 |
| GEICO | $30 | $358 |
| Chubb | $40 | $478 |
| Erie | $25 | $298 |
| Allstate | $52 | $622 |
Cheapest Car Insurance Rates In Madison For Drivers With Prior Incidents
In Madison, folks who’ve had accidents, sped, or driven while under the influence, and have a record of traffic violations, may find it tough to snag affordable car insurance. Insurance companies view them as high-risk drivers because of these behaviors, which increases the chances of future claims. Consequently, to offset potential expenses, insurance companies hike up their rates for such drivers.
Cheapest Car Insurance Rates In Madison For Drivers With A Speeding Ticket
Erie stands out for its affordability compared to other choices, typically requiring monthly payments of about $100, which makes it quite a bargain in the realm of insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $144 | $1,726 |
| Acuity | $164 | $1,966 |
| Allstate | $220 | $2,638 |
| State Farm | $125 | $1,498 |
| Erie | $100 | $1,198 |
Cheapest Car Insurance Rates In Madison For Drivers With An At-Fault Accident
Drivers who’ve been in accidents can find affordable car insurance with Erie, where the average monthly rate is about $125.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $275 | $3,298 |
| Acuity | $210 | $2,518 |
| Allstate | $290 | $3,478 |
| American Family | $180 | $2,158 |
| Erie | $125 | $1,498 |
Cheapest Car Insurance Rates In Madison For Drivers After A DUI
Erie stands out as the top choice for people with DUI histories, offering the most affordable insurance prices. Typically, folks in Madison shell out around $144 monthly for their insurance with Erie.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $144 | $1,726 |
| GEICO | $269 | $3,286 |
| Progressive | $180 | $2,158 |
| American Family | $200 | $2,398 |
| State Farm | $210 | $2,518 |
Cheapest Car Insurance Rates In Madison For Young Adults
GEICO offers the cheapest car insurance rates for young adults living in Madison. Typically, it costs about $55 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $110 | $1,318 |
| Kemper | $150 | $1,798 |
| Allstate | $100 | $1,198 |
| GEICO | $55 | $658 |
| Western National | $169 | $2,026 |
Best Car Insurance Companies In Madison
In Madison, choosing the right car insurance isn’t just about snagging a low price. It’s crucial to find a company that balances affordable rates with dependable coverage for your drives. Here are the top 10 car insurance providers in Madison, Wisconsin, sorted by their typical monthly costs.
| Company | Monthly Premium |
| Partners Mutual | $72 |
| SECURA | $92 |
| USAA | $73 |
| West Bend Mutual | $110 |
| Hastings Mutual | $100 |
| State Farm | $105 |
| Safeco | $74 |
| Clearcover | $72 |
| Auto-Owners | $105 |
| Erie | $106 |
Average Car Insurance Rates In Madison – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,012 |
| 20s | $1,558 |
| 30s | $960 |
| 40s | $958 |
| 50s | $1,100 |
| 60s | $960 |
| 70s | $900 |
Average Car Insurance Rates In Madison – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Acura RDX | $56 |
| GMC Sierra | $52 |
| Chevrolet Malibu | $108 |
| Dodge Dart | $190 |
| Ford Explorer | $152 |
How Much Is Car Insurance For Other Cities In Wisconsin?
| City | Average Monthly Rate |
| Marshfield | $80 |
| Milwaukee | $162 |
| Oshkosh | $95 |
| Racine | $119 |
| Appleton | $97 |
| Brookfield | $113 |
| Eau Claire | $90 |
| Green Bay | $90 |
| Janesville | $98 |
| Kenosha | $123 |
Our Methodology
After checking out how customers rate the service, what products are on offer, the prices, and going through online reviews and feedback thoroughly, I've got a good grasp of what the auto insurance scene looks like in Madison, Wisconsin.
This understanding comes from my 15 years of working in the industry as a licensed insurance agent. During this time, I've talked to many reps from insurance companies and gained valuable knowledge from hands-on experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Madison?
Erie offers the cheapest auto insurance prices in Madison, fulfilling Wisconsin’s minimum coverage needs. Plus, they provide the best deals for comprehensive insurance, covering both comprehensive and collision aspects.
What is the average cost of car insurance in Madison?
Typically, car insurance in Madison runs about $102 each month. But the actual price you’ll shell out can fluctuate depending on where you live, what kind of car you drive, how old it is, your driving history, and other factors.
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