Madison Car Insurance

How much does car insurance cost in Madison, AL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Madison?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Alabama has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Madison typically pay around $120.64 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Alabama $129.68
Madison, Alabama $120.64

Madison, AL Best Car Insurance Companies

car insurance in Madison

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Madison coming in around $73.81 per month. Other companies to consider if you live in Madison is USAA with an average cost of $110.92 per month and Direct Auto which typically runs around $112.30 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Madison.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $73.81-43.08%
2 USAA $110.92-14.46%
3 Direct Auto $112.30-13.41%
4 Safeco $117.16-9.66%
5 Country $124.01-4.37%
6 Travelers $125.54-3.20%
7 State Farm $129.760.06%
8 Safeway $139.767.77%
9 Cincinnati Insurance $139.837.83%
10 Nationwide $141.689.25%

How Much is Car Insurance in Madison, AL?

how much is auto insurance in Madison

Rates can vary from city to city. The residents of Anniston typically pay $130.08 per month while people who live in Athens will pay $114.28 per month on average. See what people pay for car insurance in other cities in Alabama.

Alabama CitiesMonthly Average Rate
Birmingham $148.32
Decatur $118.58
Dothan $120.41
Florence $107.89
Huntsville $125.80
Madison $120.64
Mobile $149.55
Montgomery $147.07
Tuscaloosa $146.44

Cheap Car Insurance in Madison by Zip Codes

find cheap auto insurance in Madison

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Alabama. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Madison, AL ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Madison

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $394.99 per month in Madison. Compare that to drivers in their 30’s who typically pay around $100.77 per month drivers in their 40s at $102.28 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Madison

If you are teen in Madison you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $177.98 per month. This is likely the most affordable option in Madison. You might also want to consider National General and National General Value who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$177.98
National General$486.00
National General Value$521.00

Cheapest Insurance for 20 Year-olds in Madison

20 year-olds in Madison might want to consider Direct Auto who, on average, offers car insurance rates around $90.40 per month. Country , Travelers , USAA and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$90.40
Auto-Owners Insurance Co$207.29

Cheapest Insurance for 30 Year-olds in Madison

If you are in your 30s in Madison our research has found that AssuranceAmerica typically has the most affordable coverage coming in around $94.50 per month, followed by USAA at $111.57 and Safeway at $115.66.

CompanyAverage Monthly Rate
State Farm$121.74

Cheapest Insurance for 40 Year-olds in Madison

On average, State Farm offers car insurance for 40 year-olds in Madison for around $99.73 per month. If you are looking for affordable coverage, you may also want to consider USAA or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$99.73
Auto-Owners Insurance Co$101.87

Cheapest Insurance for 50 Year-olds in Madison

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Madison we found that Clearcover generally offers the most affordable coverage at $78.21 per month.

CompanyAverage Monthly Rate
National General$102.09
National General Value$106.59

Cheapest Insurance for 60 Year-olds in Madison

If you live in Madison and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $60.61 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate

Driver's Coverage Auto Insurance Rates in Madison, AL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Madison, the average monthly rate for a driver who is currently insured is $112.68 while drivers who are not currently covered will pay around $150.03.

CoverageAverage Monthly Rate
Not Currently Insured $150.03
Currently Insured $112.68

Compare Recent Car Insurance Quotes in Madison

auto insurance quotes in Madison city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Madison a driver of a 2015 Nissan Rogue can expect to pay around $156.61 per month while someone that owns a 2017 Toyota Camry may pay around $371.75 per month. Check out the list of recent quotes in Madison below.

VehicleAverage Monthly Rate
2015 Nissan Rogue$156.61
2017 Toyota Camry$371.75
2012 Hyundai Sonata$217.19
2011 Nissan Maxima$173.39
2016 Toyota Highlander$109.42
2013 Hyundai Elantra$144.67
2014 Dodge Challenger$394.99
2024 Ford Mustang$143.80
2003 Lexus GX$55.00
2014 Lexus ES$95.02

FAQ's for Drivers in Madison, AL

driver’s frequently asked question in Madison

What Is the Minimum Liability Coverage Requirement in Madison, AL?

Every state requires drivers to have a minimum amount of liability coverage. Alabama drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Legally mandated minimum limits of liability in Alabama are $25,000 of bodily injury per person, $50,000 bodily injury per accident to cover the injury or death of two or more people, and $25,000 per accident property damage liability. In addition, unless you opt out in writing, you’re required to carry a minimum of $25,000 per person and $50,000 per accident of uninsured motorist coverage, as well.

Some people are content to just maintain coverage at the minimum required by Alabama law. This doesn’t cover them for a variety of potential expenses, though. That’s why other drivers prefer the peace of mind and financial protections of additional optional coverages. Also, when banks extend auto financing, they typically insist the borrower carry comprehensive coverage due to the risk of damage to the vehicle before the loan’s paid off.

What Is the Blood Alcohol Concentration (BAC) limit in Madison, AL?

It’s illegal to drive in Alabama with the following BAC percentages: 

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

In late 2011, the State of Alabama decided to much more aggressively punish DUI offenders who register a BAC of 0.15% or greater. These people face minimum penalties of at least double what they would be if the level were below this reading. See the question after next for more information about DUI penalties.

Does Alabama allow the use of digital insurance cards?

It does! Ask your car insurance company to provide you with a digital proof-of-coverage image, and you’re permitted to show it on your cell phone or other mobile devices. No more frantically digging around in the glove compartment for proof of insurance!

Check Out Other Rates in Madison, AL Nearby Cities:

Decatur, AL

Florence, AL

Huntsville, AL


Commute Time in Madison, AL

19.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Madison, AL


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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