Cheapest Car Insurance in Madison, WI (2023)

Your driver profile and needs may influence which company is the cheapest for you. In Madison, Wisconsin, Erie is the cheapest option for a minimum coverage policy and those with poor credit. GEICO is the cheapest for full coverage, young adults, seniors, sports car drivers and drivers with a speeding ticket.

MoneyGeek also evaluated the best car insurance in Madison for those looking for a balance of affordability and service.

CheapestCar InsuranceMadison

2023

Cheapest Car Insurance in Madison, WI

Cheapest Overall - Erie

Cheapest Full Coverage - GEICO

Cheapest After Offense - GEICO

Cheapest for Teens - Nationwide

Cheapest for Military - USAA

Cheapest for Young Adults - GEICO

Cheapest for Seniors - GEICO

Cheapest for Poor Credit - Erie

Cheapest for Sports Cars - GEICO

Cheapest Minimum Coverage Car Insurance in Madison

The following companies offer the cheapest minimum coverage auto insurance in Madison:

Erie: $241 per year
GEICO: $252 per year

Dairyland is the most expensive company, with an average premium of $1,213 per year. As of October 2022, the cheapest car insurance in Wisconsin is from AAA at $184 per year, highlighting how location can greatly impact insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
GEICO	$252	$21
State Farm	$265	$22
GEICO	$271	$23
GEICO	$272	$23
State Farm	$279	$23
Auto-Owners Insurance Co	$284	$24
Nationwide	$290	$24
Nationwide	$295	$25
Auto-Owners Insurance Co	$297	$25
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
State Farm	$337	$28
IMT Insurance Company	$337	$28
Progressive	$349	$29
West Bend Mutual	$349	$29
Auto-Owners Insurance Co	$359	$30
Progressive	$373	$31
Farmers	$379	$32
AAA	$386	$32
IMT Insurance Company	$389	$32
Nationwide	$390	$33
Acuity	$390	$33
West Bend Mutual	$400	$33
Travelers	$402	$34
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Farmers	$419	$35
Travelers	$424	$35
Farmers	$441	$37
Travelers	$446	$37
Progressive	$454	$38
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
GEICO	$510	$42
American Family	$514	$43
GEICO	$514	$43
Western National	$518	$43
Acuity	$525	$44
Allstate	$554	$46
Allstate	$561	$47
GEICO	$564	$47
IMT Insurance Company	$578	$48
Nationwide	$580	$48
State Farm	$597	$50
Kemper	$620	$52
Allstate	$625	$52
Auto-Owners Insurance Co	$630	$53
Chubb	$631	$53
Kemper	$632	$53
Nationwide	$635	$53
State Farm	$649	$54
Auto-Owners Insurance Co	$664	$55
Erie	$684	$57
Erie	$691	$58
Kemper	$695	$58
IMT Insurance Company	$716	$60
American Family	$728	$61
Travelers	$755	$63
American Family	$758	$63
Travelers	$760	$63
AAA	$765	$64
West Bend Mutual	$770	$64
West Bend Mutual	$784	$65
Nationwide	$813	$68
American Family	$815	$68
State Farm	$821	$68
Chubb	$842	$70
Allstate	$848	$71
AAA	$864	$72
Progressive	$865	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Travelers	$881	$73
Auto-Owners Insurance Co	$883	$74
Allstate	$891	$74
Acuity	$892	$74
Farmers	$902	$75
Farmers	$914	$76
West Bend Mutual	$927	$77
Progressive	$950	$79
Chubb	$986	$82
Acuity	$1,040	$87
Farmers	$1,056	$88
Western National	$1,060	$88
AAA	$1,062	$88
Allstate	$1,062	$89
Dairyland	$1,102	$92
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Progressive	$1,203	$100
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Dairyland	$1,420	$118
Kemper	$1,424	$119
Kemper	$1,490	$124
Kemper	$1,758	$147
Western National	$1,838	$153
Dairyland	$2,517	$210
Dairyland	$2,845	$237
Dairyland	$3,385	$282

A minimum coverage policy in Wisconsin includes the following coverage limits:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
$25,000 uninsured motorist coverage per person
$50,000 uninsured motorist coverage per accident

Liability-only insurance protects against damage to the other vehicle, driver and passengers in an at-fault accident. For example, if you cause an accident and the other driver sustains $30,000 in medical expenses and $15,000 in vehicle damages, your insurance would cover a maximum of $25,000 in medical costs and $10,000 in property damage. You would have to pay for the remaining $10,000 out of pocket.

Cheapest Full Coverage Car Insurance in Madison

The cheapest car insurance companies for a full coverage policy in Madison are:

GEICO: $510 per year
Nationwide: $635 per year

Dairyland is the most expensive at $2,845 per year. As of October 2022, the cheapest full coverage policy in Wisconsin is offered by AAA at $444 per year, once again demonstrating how location plays a role in determining rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
GEICO	$252	$21
State Farm	$265	$22
GEICO	$271	$23
GEICO	$272	$23
State Farm	$279	$23
Auto-Owners Insurance Co	$284	$24
Nationwide	$290	$24
Nationwide	$295	$25
Auto-Owners Insurance Co	$297	$25
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
State Farm	$337	$28
IMT Insurance Company	$337	$28
Progressive	$349	$29
West Bend Mutual	$349	$29
Auto-Owners Insurance Co	$359	$30
Progressive	$373	$31
Farmers	$379	$32
AAA	$386	$32
IMT Insurance Company	$389	$32
Nationwide	$390	$33
Acuity	$390	$33
West Bend Mutual	$400	$33
Travelers	$402	$34
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Farmers	$419	$35
Travelers	$424	$35
Farmers	$441	$37
Travelers	$446	$37
Progressive	$454	$38
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
GEICO	$510	$42
American Family	$514	$43
GEICO	$514	$43
Western National	$518	$43
Acuity	$525	$44
Allstate	$554	$46
Allstate	$561	$47
GEICO	$564	$47
IMT Insurance Company	$578	$48
Nationwide	$580	$48
State Farm	$597	$50
Kemper	$620	$52
Allstate	$625	$52
Auto-Owners Insurance Co	$630	$53
Chubb	$631	$53
Kemper	$632	$53
Nationwide	$635	$53
State Farm	$649	$54
Auto-Owners Insurance Co	$664	$55
Erie	$684	$57
Erie	$691	$58
Kemper	$695	$58
IMT Insurance Company	$716	$60
American Family	$728	$61
Travelers	$755	$63
American Family	$758	$63
Travelers	$760	$63
AAA	$765	$64
West Bend Mutual	$770	$64
West Bend Mutual	$784	$65
Nationwide	$813	$68
American Family	$815	$68
State Farm	$821	$68
Chubb	$842	$70
Allstate	$848	$71
AAA	$864	$72
Progressive	$865	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Travelers	$881	$73
Auto-Owners Insurance Co	$883	$74
Allstate	$891	$74
Acuity	$892	$74
Farmers	$902	$75
Farmers	$914	$76
West Bend Mutual	$927	$77
Progressive	$950	$79
Chubb	$986	$82
Acuity	$1,040	$87
Farmers	$1,056	$88
Western National	$1,060	$88
AAA	$1,062	$88
Allstate	$1,062	$89
Dairyland	$1,102	$92
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Progressive	$1,203	$100
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Dairyland	$1,420	$118
Kemper	$1,424	$119
Kemper	$1,490	$124
Kemper	$1,758	$147
Western National	$1,838	$153
Dairyland	$2,517	$210
Dairyland	$2,845	$237
Dairyland	$3,385	$282

A full coverage policy includes comprehensive and collision insurance in addition to liability insurance.

Collision Insurance: Protects you against damages to your own vehicle if you collide with another vehicle or object.
Comprehensive Insurance: Protects you from other types of non-collision damages like theft or natural disasters.

A full coverage policy provides more protection, but it may not be worth paying hundreds of dollars more per year for an older car with low value.

Cheapest Car Insurance in Madison After a Driving Offense

In Madison, the following companies offer the cheapest auto insurance rates after driving violations:

Speeding ticket: GEICO ($633 per year)
At-fault accident: American Family ($758 per year)
DUI: State Farm ($708 per year)

On the other hand, Dairyland charges the highest premiums for drivers with a speeding ticket ($4,294 per year), at-fault accident ($4,663 per year) or DUI ($3,651 per year).

Driving offenses can have a significant impact on the cost of your car insurance. Even the cheapest rates after a violation will usually still be expensive compared to rates for safe driving records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
State Farm	$292	$24
State Farm	$292	$24
GEICO	$296	$25
Erie	$300	$25
Erie	$302	$25
Erie	$303	$25
State Farm	$308	$26
State Farm	$308	$26
Western National	$317	$26
Western National	$317	$26
Western National	$317	$26
State Farm	$318	$27
GEICO	$321	$27
Auto-Owners Insurance Co	$323	$27
Western National	$331	$28
Western National	$331	$28
Western National	$331	$28
Auto-Owners Insurance Co	$335	$28
State Farm	$337	$28
Auto-Owners Insurance Co	$346	$29
Auto-Owners Insurance Co	$359	$30
GEICO	$361	$30
Erie	$362	$30
Erie	$365	$30
State Farm	$372	$31
State Farm	$372	$31
Erie	$379	$32
IMT Insurance Company	$390	$32
Nationwide	$393	$33
GEICO	$399	$33
Nationwide	$402	$34
State Farm	$406	$34
Chubb	$406	$34
Chubb	$406	$34
Chubb	$406	$34
Auto-Owners Insurance Co	$409	$34
West Bend Mutual	$415	$35
Progressive	$435	$36
Auto-Owners Insurance Co	$438	$37
GEICO	$440	$37
West Bend Mutual	$444	$37
AAA	$449	$37
IMT Insurance Company	$451	$38
West Bend Mutual	$457	$38
Farmers	$459	$38
Progressive	$460	$38
Erie	$462	$39
Chubb	$468	$39
Chubb	$468	$39
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$481	$40
IMT Insurance Company	$488	$41
West Bend Mutual	$489	$41
Nationwide	$494	$41
Nationwide	$503	$42
GEICO	$504	$42
West Bend Mutual	$510	$43
American Family	$514	$43
Western National	$518	$43
Western National	$518	$43
Western National	$518	$43
Progressive	$520	$43
GEICO	$521	$43
Farmers	$521	$43
Progressive	$522	$44
Nationwide	$524	$44
Farmers	$526	$44
Travelers	$532	$44
Farmers	$534	$45
Farmers	$550	$46
Travelers	$552	$46
Progressive	$556	$46
Travelers	$559	$47
AAA	$561	$47
American Family	$562	$47
American Family	$562	$47
West Bend Mutual	$562	$47
IMT Insurance Company	$565	$47
American Family	$568	$47
American Family	$568	$47
IMT Insurance Company	$580	$48
Travelers	$581	$48
AAA	$581	$48
Farmers	$589	$49
American Family	$593	$49
American Family	$593	$49
Acuity	$594	$50
AAA	$599	$50
West Bend Mutual	$601	$50
Auto-Owners Insurance Co	$602	$50
Nationwide	$607	$51
Travelers	$608	$51
Progressive	$609	$51
Farmers	$613	$51
Nationwide	$615	$51
Travelers	$615	$51
Farmers	$615	$51
Auto-Owners Insurance Co	$619	$52
Acuity	$628	$52
Chubb	$631	$53
Chubb	$631	$53
Chubb	$631	$53
Allstate	$631	$53
GEICO	$633	$53
Farmers	$633	$53
GEICO	$634	$53
Travelers	$640	$53
Allstate	$641	$53
Travelers	$642	$54
Nationwide	$644	$54
Kemper	$648	$54
State Farm	$653	$54
State Farm	$653	$54
Allstate	$654	$54
Kemper	$662	$55
Allstate	$664	$55
IMT Insurance Company	$673	$56
IMT Insurance Company	$676	$56
Erie	$684	$57
Erie	$691	$58
GEICO	$702	$59
Auto-Owners Insurance Co	$704	$59
State Farm	$708	$59
State Farm	$708	$59
Travelers	$708	$59
State Farm	$709	$59
Progressive	$718	$60
West Bend Mutual	$720	$60
Allstate	$723	$60
American Family	$728	$61
AAA	$729	$61
Kemper	$730	$61
Auto-Owners Insurance Co	$739	$62
GEICO	$740	$62
GEICO	$746	$62
Auto-Owners Insurance Co	$748	$62
Allstate	$751	$63
Kemper	$752	$63
Nationwide	$755	$63
American Family	$758	$63
State Farm	$768	$64
Auto-Owners Insurance Co	$775	$65
Acuity	$783	$65
Auto-Owners Insurance Co	$785	$65
Allstate	$785	$65
Acuity	$796	$66
Kemper	$800	$67
Allstate	$801	$67
Progressive	$803	$67
Nationwide	$805	$67
American Family	$815	$68
Progressive	$821	$68
IMT Insurance Company	$828	$69
Acuity	$830	$69
Chubb	$842	$70
Chubb	$842	$70
Chubb	$842	$70
Kemper	$844	$70
Erie	$848	$71
IMT Insurance Company	$849	$71
Erie	$852	$71
Kemper	$863	$72
American Family	$872	$73
American Family	$872	$73
Nationwide	$875	$73
GEICO	$877	$73
Erie	$879	$73
State Farm	$898	$75
State Farm	$898	$75
American Family	$903	$75
American Family	$903	$75
AAA	$916	$76
Allstate	$920	$77
Kemper	$920	$77
Acuity	$920	$77
West Bend Mutual	$932	$78
AAA	$959	$80
American Family	$964	$80
American Family	$964	$80
Kemper	$970	$81
GEICO	$974	$81
Acuity	$974	$81
State Farm	$975	$81
Nationwide	$982	$82
Chubb	$986	$82
Chubb	$986	$82
Chubb	$986	$82
West Bend Mutual	$986	$82
Auto-Owners Insurance Co	$988	$82
Allstate	$993	$83
IMT Insurance Company	$999	$83
IMT Insurance Company	$1,005	$84
West Bend Mutual	$1,007	$84
Erie	$1,009	$84
IMT Insurance Company	$1,015	$85
Erie	$1,016	$85
AAA	$1,019	$85
Allstate	$1,026	$86
AAA	$1,028	$86
AAA	$1,039	$87
Allstate	$1,044	$87
GEICO	$1,046	$87
Auto-Owners Insurance Co	$1,051	$88
Travelers	$1,051	$88
Acuity	$1,054	$88
Nationwide	$1,055	$88
Western National	$1,060	$88
Western National	$1,060	$88
Western National	$1,060	$88
Nationwide	$1,061	$88
Allstate	$1,078	$90
GEICO	$1,088	$91
Erie	$1,089	$91
West Bend Mutual	$1,091	$91
Travelers	$1,098	$91
Progressive	$1,113	$93
West Bend Mutual	$1,113	$93
Progressive	$1,126	$94
Travelers	$1,132	$94
Travelers	$1,134	$95
Farmers	$1,138	$95
AAA	$1,143	$95
Travelers	$1,181	$98
Western National	$1,181	$98
Western National	$1,181	$98
Western National	$1,181	$98
Travelers	$1,189	$99
West Bend Mutual	$1,191	$99
Travelers	$1,203	$100
Farmers	$1,205	$100
IMT Insurance Company	$1,210	$101
Nationwide	$1,210	$101
Acuity	$1,236	$103
Auto-Owners Insurance Co	$1,246	$104
Farmers	$1,247	$104
IMT Insurance Company	$1,254	$104
Allstate	$1,265	$105
AAA	$1,266	$106
Allstate	$1,268	$106
AAA	$1,283	$107
Nationwide	$1,290	$108
Farmers	$1,291	$108
Auto-Owners Insurance Co	$1,294	$108
Acuity	$1,294	$108
Travelers	$1,295	$108
GEICO	$1,298	$108
Erie	$1,299	$108
Chubb	$1,300	$108
Chubb	$1,300	$108
Chubb	$1,300	$108
Farmers	$1,300	$108
Nationwide	$1,303	$109
Travelers	$1,305	$109
Allstate	$1,310	$109
West Bend Mutual	$1,318	$110
IMT Insurance Company	$1,324	$110
Progressive	$1,325	$110
Allstate	$1,338	$112
Farmers	$1,339	$112
Progressive	$1,350	$113
Progressive	$1,383	$115
Farmers	$1,390	$116
Farmers	$1,402	$117
AAA	$1,410	$117
GEICO	$1,415	$118
West Bend Mutual	$1,430	$119
Dairyland	$1,445	$120
Farmers	$1,457	$121
Kemper	$1,495	$125
Acuity	$1,506	$126
IMT Insurance Company	$1,528	$127
Nationwide	$1,536	$128
Kemper	$1,563	$130
Dairyland	$1,603	$134
Progressive	$1,606	$134
IMT Insurance Company	$1,615	$135
Allstate	$1,649	$137
AAA	$1,684	$140
Acuity	$1,687	$141
West Bend Mutual	$1,688	$141
Dairyland	$1,708	$142
Kemper	$1,720	$143
Dairyland	$1,735	$145
Kemper	$1,753	$146
Auto-Owners Insurance Co	$1,758	$146
Dairyland	$1,766	$147
Progressive	$1,804	$150
Dairyland	$1,820	$152
Western National	$1,838	$153
Western National	$1,838	$153
Western National	$1,838	$153
Kemper	$1,846	$154
Acuity	$1,868	$156
Dairyland	$1,874	$156
AAA	$1,883	$157
Progressive	$1,904	$159
Dairyland	$1,913	$159
West Bend Mutual	$1,934	$161
Acuity	$1,959	$163
Acuity	$1,960	$163
IMT Insurance Company	$2,016	$168
Dairyland	$2,069	$172
Kemper	$2,074	$173
Kemper	$2,075	$173
Kemper	$2,115	$176
Progressive	$2,134	$178
Acuity	$2,273	$189
AAA	$2,337	$195
Acuity	$2,447	$204
Kemper	$2,514	$210
Acuity	$2,834	$236
Dairyland	$3,218	$268
Dairyland	$3,651	$304
Dairyland	$3,796	$316
Dairyland	$4,118	$343
Dairyland	$4,247	$354
Dairyland	$4,294	$358
Dairyland	$4,349	$362
Dairyland	$4,469	$372
Dairyland	$4,663	$389

Car insurance rates generally increase for more severe violations. For example, a driver in Madison with a speeding ticket pays an average of $245 more per year, while a driver with a DUI pays around $455 more per year. However, it's still possible to find cheap car insurance with a poor driving record.

Cheapest Car Insurance in Madison for Teens and Their Families

Teen drivers on a family policy in Madison will find the cheapest insurance from the following providers:

Nationwide: $1,007 per year for female teens; $1,100 per year for male teens
GEICO: $1,153 per year for female teens; $1,235 per year for male teens

Kemper has the most expensive coverage, with an average annual premium of $4,878 per year for female teen drivers and $6,026 for male teen drivers. Male teens are considered riskier drivers, which generally results in higher insurance rates. In Madison, Nationwide charges $94 more per year for male teens than female teens. However, this difference drops off as teens enter early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Nationwide	$605	$1,355
Nationwide	$620	$1,451
Travelers	$621	$1,315
Nationwide	$633	$1,794
GEICO	$636	$1,498
GEICO	$652	$1,044
GEICO	$655	$1,063
Nationwide	$656	$1,956
Travelers	$669	$1,374
Nationwide	$687	$1,540
Nationwide	$691	$1,694
GEICO	$704	$1,671
Nationwide	$711	$1,663
Nationwide	$715	$1,835
Nationwide	$718	$1,610
GEICO	$721	$1,155
GEICO	$734	$1,191
Nationwide	$745	$1,742
GEICO	$748	$1,351
State Farm	$761	$2,629
Travelers	$764	$1,814
GEICO	$770	$1,249
GEICO	$772	$1,507
GEICO	$772	$1,236
Travelers	$776	$1,642
Travelers	$802	$1,698
State Farm	$847	$2,927
Travelers	$851	$1,976
Travelers	$852	$1,749
Travelers	$862	$2,073
GEICO	$867	$4,954
GEICO	$874	$2,487
State Farm	$877	$2,956
GEICO	$884	$4,884
State Farm	$890	$3,548
GEICO	$890	$4,918
Nationwide	$903	$3,127
Nationwide	$915	$3,639
GEICO	$916	$2,578
Travelers	$916	$1,880
State Farm	$925	$3,195
GEICO	$930	$2,192
State Farm	$952	$3,850
GEICO	$958	$2,275
Allstate	$965	$4,156
Allstate	$965	$4,156
Nationwide	$970	$3,648
Nationwide	$973	$2,759
Travelers	$991	$2,311
State Farm	$994	$3,348
Travelers	$997	$2,314
Nationwide	$998	$4,198
Travelers	$1,001	$2,685
Nationwide	$1,007	$4,267
Auto-Owners Insurance Co	$1,014	$2,718
Nationwide	$1,033	$3,082
Nationwide	$1,034	$4,112
Travelers	$1,044	$3,169
Auto-Owners Insurance Co	$1,053	$2,824
State Farm	$1,054	$4,203
Auto-Owners Insurance Co	$1,064	$2,712
Allstate	$1,092	$1,701
Allstate	$1,092	$1,701
State Farm	$1,095	$5,002
State Farm	$1,095	$4,428
State Farm	$1,098	$3,701
Auto-Owners Insurance Co	$1,099	$3,238
Nationwide	$1,100	$4,938
Auto-Owners Insurance Co	$1,122	$3,009
Allstate	$1,129	$2,122
Allstate	$1,129	$2,122
Nationwide	$1,129	$4,751
Allstate	$1,136	$1,770
Allstate	$1,136	$1,770
Auto-Owners Insurance Co	$1,146	$2,920
Farmers	$1,152	$1,605
GEICO	$1,153	$9,306
Allstate	$1,165	$1,941
Allstate	$1,165	$1,941
State Farm	$1,175	$4,671
Travelers	$1,175	$2,740
Travelers	$1,186	$3,241
Allstate	$1,188	$1,851
Allstate	$1,188	$1,851
Farmers	$1,205	$1,738
Auto-Owners Insurance Co	$1,212	$3,552
Auto-Owners Insurance Co	$1,235	$3,476
GEICO	$1,235	$8,630
Auto-Owners Insurance Co	$1,242	$4,025
Auto-Owners Insurance Co	$1,246	$3,175
Allstate	$1,246	$2,342
Allstate	$1,246	$2,342
Progressive	$1,256	$2,050
State Farm	$1,258	$5,738
Allstate	$1,258	$2,628
Allstate	$1,258	$2,628
Farmers	$1,265	$2,462
Allstate	$1,268	$5,463
Allstate	$1,268	$5,463
Travelers	$1,277	$3,891
Progressive	$1,316	$2,066
GEICO	$1,328	$7,588
Farmers	$1,346	$2,734
Progressive	$1,347	$2,833
Auto-Owners Insurance Co	$1,370	$3,856
Auto-Owners Insurance Co	$1,373	$4,263
State Farm	$1,382	$6,304
State Farm	$1,384	$5,500
Progressive	$1,390	$2,270
Progressive	$1,432	$2,608
State Farm	$1,437	$6,559
State Farm	$1,445	$7,478
Auto-Owners Insurance Co	$1,450	$4,699
Travelers	$1,451	$5,483
Auto-Owners Insurance Co	$1,463	$5,496
Progressive	$1,475	$2,317
Progressive	$1,484	$2,424
Farmers	$1,491	$2,347
Travelers	$1,502	$4,557
Kemper	$1,528	$2,096
Progressive	$1,544	$3,276
Farmers	$1,547	$2,154
Farmers	$1,551	$3,467
Progressive	$1,562	$2,861
Farmers	$1,580	$2,200
Farmers	$1,581	$2,617
State Farm	$1,603	$7,227
Farmers	$1,606	$3,126
Farmers	$1,615	$6,826
Farmers	$1,622	$3,747
Farmers	$1,627	$2,347
Auto-Owners Insurance Co	$1,633	$4,785
Progressive	$1,635	$2,569
Allstate	$1,673	$12,000
Allstate	$1,673	$12,000
Farmers	$1,674	$3,400
Farmers	$1,679	$2,423
Farmers	$1,715	$7,450
Auto-Owners Insurance Co	$1,759	$5,453
Auto-Owners Insurance Co	$1,781	$5,219
Kemper	$1,783	$2,362
Progressive	$1,785	$9,394
Auto-Owners Insurance Co	$1,802	$6,465
Kemper	$1,821	$2,779
Travelers	$1,821	$7,043
Kemper	$1,822	$2,499
Progressive	$1,829	$4,666
State Farm	$1,835	$8,269
State Farm	$1,844	$9,435
Farmers	$1,872	$7,912
Travelers	$1,875	$5,715
Kemper	$1,909	$2,619
Progressive	$1,924	$4,048
Farmers	$1,956	$10,062
Farmers	$2,001	$8,693
Progressive	$2,001	$10,638
Auto-Owners Insurance Co	$2,002	$7,881
Auto-Owners Insurance Co	$2,007	$7,200
Progressive	$2,062	$12,236
Progressive	$2,075	$10,925
Farmers	$2,092	$11,119
Progressive	$2,102	$5,422
Progressive	$2,207	$4,684
Kemper	$2,221	$2,944
Kemper	$2,237	$3,408
Progressive	$2,270	$12,067
Progressive	$2,272	$13,531
Kemper	$2,328	$3,080
Kemper	$2,371	$3,142
Kemper	$2,757	$3,648
Kemper	$2,793	$4,359
Kemper	$2,862	$3,781
Kemper	$3,385	$4,472
Kemper	$3,431	$5,343
Kemper	$3,515	$5,678
Kemper	$4,336	$6,974
Kemper	$4,446	$7,183
Kemper	$4,878	$10,779
Kemper	$5,492	$8,834
Kemper	$6,026	$13,268

Car insurance rates are much more expensive if teens buy a policy themselves. In Madison, the average rate for an individual teen policy is $5,599 per year, which is $3,203 more expensive than the average cost of a family policy ($2,396). You can save thousands of dollars per year by shopping around for cheap car insurance for teens.

Cheapest Car Insurance in Madison for Military Drivers

The cheapest companies in Madison for active or veteran military families are:

USAA: $462 per year
GEICO: $510 per year

USAA is also the cheapest car insurance company for military personnel looking for a minimum coverage policy at $189 per year. Erie ranks second, with an average premium of $241 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$189	$16
USAA	$196	$16
USAA	$233	$19
Erie	$238	$20
Erie	$241	$20
GEICO	$252	$21
State Farm	$265	$22
GEICO	$271	$23
GEICO	$272	$23
State Farm	$279	$23
Auto-Owners Insurance Co	$284	$24
Nationwide	$290	$24
Nationwide	$295	$25
Auto-Owners Insurance Co	$297	$25
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
State Farm	$337	$28
IMT Insurance Company	$337	$28
West Bend Mutual	$349	$29
Progressive	$349	$29
Auto-Owners Insurance Co	$359	$30
Progressive	$373	$31
Farmers	$379	$32
AAA	$386	$32
IMT Insurance Company	$389	$32
Nationwide	$390	$33
Acuity	$390	$33
West Bend Mutual	$400	$33
Travelers	$402	$34
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Farmers	$419	$35
Travelers	$424	$35
Farmers	$441	$37
Travelers	$446	$37
USAA	$451	$38
Progressive	$454	$38
USAA	$462	$38
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
GEICO	$510	$42
American Family	$514	$43
GEICO	$514	$43
Western National	$518	$43
Acuity	$525	$44
Allstate	$554	$46
Allstate	$561	$47
GEICO	$564	$47
IMT Insurance Company	$578	$48
Nationwide	$580	$48
USAA	$589	$49
State Farm	$597	$50
Kemper	$620	$52
Allstate	$625	$52
Auto-Owners Insurance Co	$630	$53
Chubb	$631	$53
Kemper	$632	$53
Nationwide	$635	$53
State Farm	$649	$54
Auto-Owners Insurance Co	$664	$55
Erie	$684	$57
Erie	$691	$58
Kemper	$695	$58
IMT Insurance Company	$716	$60
American Family	$728	$61
Travelers	$755	$63
American Family	$758	$63
Travelers	$760	$63
AAA	$765	$64
West Bend Mutual	$770	$64
West Bend Mutual	$784	$65
Nationwide	$813	$68
American Family	$815	$68
State Farm	$821	$68
Chubb	$842	$70
Allstate	$848	$71
AAA	$864	$72
Progressive	$865	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Travelers	$881	$73
Auto-Owners Insurance Co	$883	$74
Allstate	$891	$74
Acuity	$892	$74
Farmers	$902	$75
Farmers	$914	$76
West Bend Mutual	$927	$77
Progressive	$950	$79
Chubb	$986	$82
Acuity	$1,040	$87
Farmers	$1,056	$88
Western National	$1,060	$88
AAA	$1,062	$88
Allstate	$1,062	$89
Dairyland	$1,102	$92
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Progressive	$1,203	$100
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Dairyland	$1,420	$118
Kemper	$1,424	$119
Kemper	$1,490	$124
Kemper	$1,758	$147
Western National	$1,838	$153
Dairyland	$2,517	$210
Dairyland	$2,845	$237
Dairyland	$3,385	$282

How to Compare Cheap Madison Car Insurance Quotes Online

Shopping around and comparing options is the best way to find the cheapest possible rates, but getting a single car insurance quote online in Madison, Wisconsin, can take at least 15 minutes. The process also involves entering a lot of personal information.

MoneyGeek's car insurance calculator can help speed up the process by quickly giving you a rough estimate of your costs. You'll only need to provide your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Wisconsin

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$212

2.AAA

$299

3.GEICO

$345

4.Erie

$357

5.State Farm

$384

Cheapest Car Insurance in Madison for Young Adults

The cheapest car insurance for young adults in Madison is offered by the following companies:

GEICO: $564 per year
Nationwide: $813 per year

The most expensive car insurance company for young adults in Madison is Dairyland, with policies costing around $3,385 per year.

In general, young adults can expect to pay more for car insurance than middle-aged drivers since they have less driving experience. The average cost of a full coverage policy for 25-year-old drivers in Madison is $1,204 per year, which is $234 more than the average rate for 40-year-old drivers of $970 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
GEICO	$252	$21
State Farm	$265	$22
GEICO	$271	$23
GEICO	$272	$23
State Farm	$279	$23
Auto-Owners Insurance Co	$284	$24
Nationwide	$290	$24
Nationwide	$295	$25
Auto-Owners Insurance Co	$297	$25
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
State Farm	$337	$28
IMT Insurance Company	$337	$28
Progressive	$349	$29
West Bend Mutual	$349	$29
Auto-Owners Insurance Co	$359	$30
Progressive	$373	$31
Farmers	$379	$32
AAA	$386	$32
IMT Insurance Company	$389	$32
Nationwide	$390	$33
Acuity	$390	$33
West Bend Mutual	$400	$33
Travelers	$402	$34
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Farmers	$419	$35
Travelers	$424	$35
Farmers	$441	$37
Travelers	$446	$37
Progressive	$454	$38
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
GEICO	$510	$42
American Family	$514	$43
GEICO	$514	$43
Western National	$518	$43
Acuity	$525	$44
Allstate	$554	$46
Allstate	$561	$47
GEICO	$564	$47
IMT Insurance Company	$578	$48
Nationwide	$580	$48
State Farm	$597	$50
Kemper	$620	$52
Allstate	$625	$52
Auto-Owners Insurance Co	$630	$53
Chubb	$631	$53
Kemper	$632	$53
Nationwide	$635	$53
State Farm	$649	$54
Auto-Owners Insurance Co	$664	$55
Erie	$684	$57
Erie	$691	$58
Kemper	$695	$58
IMT Insurance Company	$716	$60
American Family	$728	$61
Travelers	$755	$63
American Family	$758	$63
Travelers	$760	$63
AAA	$765	$64
West Bend Mutual	$770	$64
West Bend Mutual	$784	$65
Nationwide	$813	$68
American Family	$815	$68
State Farm	$821	$68
Chubb	$842	$70
Allstate	$848	$71
AAA	$864	$72
Progressive	$865	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Travelers	$881	$73
Auto-Owners Insurance Co	$883	$74
Allstate	$891	$74
Acuity	$892	$74
Farmers	$902	$75
Farmers	$914	$76
West Bend Mutual	$927	$77
Progressive	$950	$79
Chubb	$986	$82
Acuity	$1,040	$87
Farmers	$1,056	$88
Western National	$1,060	$88
AAA	$1,062	$88
Allstate	$1,062	$89
Dairyland	$1,102	$92
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Progressive	$1,203	$100
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Dairyland	$1,420	$118
Kemper	$1,424	$119
Kemper	$1,490	$124
Kemper	$1,758	$147
Western National	$1,838	$153
Dairyland	$2,517	$210
Dairyland	$2,845	$237
Dairyland	$3,385	$282

Cheapest Car Insurance in Madison for Seniors

You can find the cheapest full coverage car insurance for seniors in Madison from the following companies:

GEICO: $514 per year
Nationwide: $580 per year

Dairyland sells the most expensive policies at $2,517 per year. Seniors can generally expect to pay more for car insurance since driving becomes more risky as you age. However, average full coverage rates for 65-year-old drivers in Madison ($895) are actually slightly cheaper than rates for 40-year-old drivers ($970).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
GEICO	$252	$21
State Farm	$265	$22
GEICO	$271	$23
GEICO	$272	$23
State Farm	$279	$23
Auto-Owners Insurance Co	$284	$24
Nationwide	$290	$24
Nationwide	$295	$25
Auto-Owners Insurance Co	$297	$25
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
State Farm	$337	$28
IMT Insurance Company	$337	$28
Progressive	$349	$29
West Bend Mutual	$349	$29
Auto-Owners Insurance Co	$359	$30
Progressive	$373	$31
Farmers	$379	$32
AAA	$386	$32
IMT Insurance Company	$389	$32
Nationwide	$390	$33
Acuity	$390	$33
West Bend Mutual	$400	$33
Travelers	$402	$34
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Farmers	$419	$35
Travelers	$424	$35
Farmers	$441	$37
Travelers	$446	$37
Progressive	$454	$38
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
GEICO	$510	$42
American Family	$514	$43
GEICO	$514	$43
Western National	$518	$43
Acuity	$525	$44
Allstate	$554	$46
Allstate	$561	$47
GEICO	$564	$47
IMT Insurance Company	$578	$48
Nationwide	$580	$48
State Farm	$597	$50
Kemper	$620	$52
Allstate	$625	$52
Auto-Owners Insurance Co	$630	$53
Chubb	$631	$53
Kemper	$632	$53
Nationwide	$635	$53
State Farm	$649	$54
Auto-Owners Insurance Co	$664	$55
Erie	$684	$57
Erie	$691	$58
Kemper	$695	$58
IMT Insurance Company	$716	$60
American Family	$728	$61
Travelers	$755	$63
American Family	$758	$63
Travelers	$760	$63
AAA	$765	$64
West Bend Mutual	$770	$64
West Bend Mutual	$784	$65
Nationwide	$813	$68
American Family	$815	$68
State Farm	$821	$68
Chubb	$842	$70
Allstate	$848	$71
AAA	$864	$72
Progressive	$865	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Travelers	$881	$73
Auto-Owners Insurance Co	$883	$74
Allstate	$891	$74
Acuity	$892	$74
Farmers	$902	$75
Farmers	$914	$76
West Bend Mutual	$927	$77
Progressive	$950	$79
Chubb	$986	$82
Acuity	$1,040	$87
Farmers	$1,056	$88
Western National	$1,060	$88
AAA	$1,062	$88
Allstate	$1,062	$89
Dairyland	$1,102	$92
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Progressive	$1,203	$100
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Dairyland	$1,420	$118
Kemper	$1,424	$119
Kemper	$1,490	$124
Kemper	$1,758	$147
Western National	$1,838	$153
Dairyland	$2,517	$210
Dairyland	$2,845	$237
Dairyland	$3,385	$282

Cheapest Car Insurance in Madison for Poor Credit

The two cheapest car insurance companies for drivers with bad credit in Madison are:

Erie: $691 per year
American Family: $758 per year

State Farm is the most expensive insurer for those with bad credit, with an average annual premium of $3,356 per year. On average, drivers with bad credit in Madison pay $410 more per year than drivers with good credit, translating to a 42% increase.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Erie	$238	$20
Erie	$241	$20
Erie	$300	$25
Western National	$317	$26
West Bend Mutual	$327	$27
Western National	$331	$28
IMT Insurance Company	$337	$28
West Bend Mutual	$349	$29
GEICO	$352	$29
GEICO	$384	$32
GEICO	$384	$32
AAA	$386	$32
Nationwide	$387	$32
IMT Insurance Company	$389	$32
Acuity	$390	$33
Nationwide	$395	$33
West Bend Mutual	$400	$33
Chubb	$406	$34
AAA	$413	$34
Acuity	$417	$35
Chubb	$468	$39
American Family	$480	$40
American Family	$480	$40
AAA	$498	$42
American Family	$514	$43
Western National	$518	$43
Acuity	$525	$44
Nationwide	$531	$44
Progressive	$562	$47
Farmers	$573	$48
IMT Insurance Company	$578	$48
Progressive	$601	$50
Chubb	$631	$53
Travelers	$634	$53
Farmers	$641	$53
Travelers	$656	$55
Farmers	$659	$55
Erie	$684	$57
Erie	$691	$58
Travelers	$695	$58
IMT Insurance Company	$716	$60
Progressive	$718	$60
American Family	$728	$61
Kemper	$753	$63
American Family	$758	$63
GEICO	$764	$64
AAA	$765	$64
West Bend Mutual	$770	$64
GEICO	$772	$64
Allstate	$782	$65
West Bend Mutual	$784	$65
Allstate	$792	$66
Kemper	$807	$67
American Family	$815	$68
Nationwide	$819	$68
Chubb	$842	$70
Kemper	$848	$71
GEICO	$852	$71
AAA	$864	$72
IMT Insurance Company	$867	$72
Erie	$879	$73
Allstate	$892	$74
Acuity	$892	$74
Nationwide	$905	$75
West Bend Mutual	$927	$77
Auto-Owners Insurance Co	$938	$78
Auto-Owners Insurance Co	$978	$82
Chubb	$986	$82
Acuity	$1,040	$87
Western National	$1,060	$88
AAA	$1,062	$88
Dairyland	$1,102	$92
Nationwide	$1,114	$93
IMT Insurance Company	$1,138	$95
Western National	$1,181	$98
Auto-Owners Insurance Co	$1,183	$99
Travelers	$1,185	$99
Travelers	$1,189	$99
Dairyland	$1,213	$101
Acuity	$1,283	$107
Chubb	$1,300	$108
Allstate	$1,301	$108
State Farm	$1,357	$113
Travelers	$1,360	$113
Allstate	$1,369	$114
Dairyland	$1,420	$118
State Farm	$1,439	$120
Farmers	$1,441	$120
Progressive	$1,447	$121
Farmers	$1,480	$123
Progressive	$1,592	$133
Allstate	$1,652	$138
Farmers	$1,680	$140
State Farm	$1,742	$145
Kemper	$1,800	$150
Kemper	$1,826	$152
Western National	$1,838	$153
Progressive	$2,003	$167
Kemper	$2,120	$177
Auto-Owners Insurance Co	$2,265	$189
Auto-Owners Insurance Co	$2,409	$201
Dairyland	$2,517	$210
Dairyland	$2,845	$237
State Farm	$3,081	$257
Auto-Owners Insurance Co	$3,225	$269
State Farm	$3,356	$280
Dairyland	$3,385	$282
State Farm	$4,273	$356

Drivers with bad credit often pay more for car insurance since insurance companies believe that they are more likely to submit claims. Improving your credit score over time will help you save on car insurance premiums, but there are several ways you can lower your costs in the meantime. These include finding common discounts, bundling insurance policies and comparing quotes across insurers to get the best rate.

Cheapest Car Insurance in Madison for Sports Cars

The cheapest car insurance for drivers with sports cars in Madison is offered by the following companies:

GEICO: $605 per year
American Family: $710 per year

Dairyland is the most expensive option at $3,001 per year. In Madison, drivers of sports cars pay an average of $1,074 per year on car insurance, which is $104 — or about 11% — more than drivers of standard cars.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$215	$18
GEICO	$229	$19
GEICO	$231	$19
Auto-Owners Insurance Co	$284	$24
State Farm	$284	$24
Farmers	$295	$25
Nationwide	$295	$25
Auto-Owners Insurance Co	$296	$25
State Farm	$300	$25
Nationwide	$301	$25
Progressive	$307	$26
Farmers	$324	$27
Progressive	$339	$28
Farmers	$345	$29
Travelers	$346	$29
Auto-Owners Insurance Co	$358	$30
State Farm	$363	$30
Travelers	$364	$30
Travelers	$383	$32
Nationwide	$398	$33
Chubb	$406	$34
Progressive	$429	$36
Chubb	$468	$39
American Family	$473	$39
American Family	$474	$39
Allstate	$480	$40
Allstate	$486	$41
American Family	$508	$42
Allstate	$538	$45
Kemper	$559	$47
Kemper	$570	$48
GEICO	$582	$49
GEICO	$605	$50
Kemper	$626	$52
Chubb	$631	$53
Nationwide	$662	$55
Auto-Owners Insurance Co	$673	$56
GEICO	$675	$56
American Family	$684	$57
Travelers	$703	$59
American Family	$710	$59
Auto-Owners Insurance Co	$712	$59
Travelers	$714	$60
State Farm	$721	$60
Nationwide	$734	$61
American Family	$763	$64
State Farm	$784	$65
Farmers	$804	$67
Farmers	$819	$68
Allstate	$824	$69
Travelers	$833	$69
Allstate	$880	$73
Chubb	$926	$77
Nationwide	$947	$79
Progressive	$948	$79
Auto-Owners Insurance Co	$956	$80
Farmers	$961	$80
State Farm	$1,010	$84
Dairyland	$1,050	$88
Allstate	$1,063	$89
Chubb	$1,091	$91
Progressive	$1,133	$94
Dairyland	$1,152	$96
Dairyland	$1,352	$113
Chubb	$1,441	$120
Progressive	$1,514	$126
Kemper	$1,605	$134
Kemper	$1,705	$142
Kemper	$2,032	$169
Dairyland	$2,650	$221
Dairyland	$3,001	$250
Dairyland	$3,601	$300

MoneyGeek used a Ford Mustang to represent rates for sports cars, but pricing may vary by model. In general, sports, luxury and electric cars tend to be the most expensive to insure, and Madison is no exception.

Average Cost of Car Insurance in Madison

The average cost of auto insurance in Madison for full coverage is $906 per year. Full coverage policies include $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average rate in Madison is $96 cheaper than the average cost of car insurance in Wisconsin, which is $1,002 per year, and it is also cheaper than the national average cost of car insurance of $1,265. Location is one of many factors that can impact car insurance rates — rates in Wisconsin's capital city are less expensive than in nearby Milwaukee but more expensive than in the city of Green Bay.

City	Full Coverage Average Annual Premium	Minimum Coverage Average Annual Premium
Green Bay	$850	$381
Madison	$970	$429
Milwaukee	$1,477	$681

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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