Madison Car Insurance

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 Wisconsin 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 $100.50 per month compared to the national average of $167.68 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.

Madison, WI Best Car Insurance Companies

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 $68.20 per month. Other companies to consider if you live in Madison is USAA with an average cost of $71.13 per month and Safeco which typically runs around $72.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Madison.

How Much is Car Insurance in Madison, WI?

Rates can vary from city to city. The residents of Appleton typically pay $95.64 per month while people who live in Brookfield will pay $111.10 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Cheap Car Insurance in Madison by Zip Codes

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 Wisconsin. 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.

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 $82.42 per month in Madison. Compare that to drivers in their 30’s who typically pay around $133.90 per month drivers in their 40s at $82.95 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.

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, Safeco typically charges around $65.78 per month. This is likely the most affordable option in Madison. You might also want to consider USAA and SECURA Insurance who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Madison

20 year-olds in Madison might want to consider USAA who, on average, offers car insurance rates around $80.96 per month. Clearcover , Partners Mutual Insurance Co , SECURA Insurance and West Bend Mutual are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Madison

If you are in your 30s in Madison our research has found that Partners Mutual Insurance Co typically has the most affordable coverage coming in around $48.33 per month, followed by Clearcover at $51.03 and USAA at $55.98.

Cheapest Insurance for 40 Year-olds in Madison

On average, Clearcover offers car insurance for 40 year-olds in Madison for around $51.37 per month. If you are looking for affordable coverage, you may also want to consider SECURA Insurance or Safeco. The full list of top companies is below.

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 USAA generally offers the most affordable coverage at $59.95 per month.

Cheapest Insurance for 60 Year-olds in Madison

If you live in Madison and you’re in your 60s, our data indicates that USAA usually has the best rates at $52.29 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Madison, WI

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 $100.23 while drivers who are not currently covered will pay around $100.97.

Compare Recent Car Insurance Quotes in Madison

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 2019 Ford Explorer can expect to pay around $149.23 per month while someone that owns a 2016 Nissan Sentra may pay around $75.43 per month. Check out the list of recent quotes in Madison below.

FAQ's for Drivers in Madison, WI

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

Every state requires drivers to have a minimum amount of liability coverage. Wisconsin 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; Coverage for multiple people injured in a single accident
• $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All Wisconsin drivers must have an auto insurance policy providing liability coverage in the minimum amounts of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident.

The State also mandates uninsured motorist coverage of at least $25,000 bodily injury per person and $50,000 bodily injury per accident. This is a protection against hit-and-run drivers and uninsured drivers who cause an accident.

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

It’s illegal to operate a motor vehicle in Wisconsin with the following BAC percentages:

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

In Wisconsin, driving a car under the influence of alcohol or drugs is known as OWI, or Operating While Intoxicated. Although first, second, and third offenses require a BAC of 0.08%, fourth and subsequent offenses require a BAC of only 0.02%. Also, you can be charged and convicted of OWI due to the use of marijuana, cocaine, other illegal drugs, prescription medications, and over-the-counter drugs while driving.

What are the consequences of being convicted of a DUI?

Penalties for OWI range in severity depending on the number and type of offenses. At the very least, you face fines, court costs, suspension of your driver’s license for at least 6 months, and potential jail time. Transporting a minor while intoxicated or causing bodily harm to another person will result in considerably harsher punishments. A BAC of 0.15% results in mandatory participation in a sobriety program.

Find extensive detailed information in this PDF from the Wisconsin Department of Transportation.

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