Cheapest Car Insurance Quotes in Madison

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Madison Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Madison

The car insurance rate in Madison is $1158 for a six-month policy, which is $287 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Madison can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Madison

$1158

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Madison

1st place: American Family

At $473 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Madison.

Madison Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Madison, IL is American Family, offering policies at just $473 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $593.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1249 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Madison drivers find the best deals.

Cheap Car Insurance Companies in Madison, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$473	$81
Auto-Owners Insurance Co	$593	$98
Westfield	$672	$114
Travelers	$861	$145
Country Financial	$916	$154
Erie	$1067	$180
USAA	$1271	$214
Auto-Owners	$1311	$221
Progressive	$1343	$226
State Farm	$1446	$243
Farmers	$1588	$270
Allstate	$2284	$384
Hanover	$1249	$207

Key Takeaways

Way's key takeaways about car insurance in Madison

The auto insurance costs in Madison fall around $473 for six months.
The cheapest auto insurance company in Madison is Mercury.
Teen drivers pay the highest rate in Madison at $77 per month.

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Cheapest Minimum Liability Car Insurance in Madison

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Madison are given below.

Mercury provides the cheapest minimum car insurance coverage in Madison. Their Average 6 Month Premium is $198. AAA is the most expensive at $339 for the same period.

Cheapest Liability Coverage in Madison, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Westfield	$213	$36
Auto-Owners Insurance Co	$253	$43
American Family	$269	$45
Erie	$331	$56
Travelers	$363	$61
Auto-Owners	$371	$63
Country Financial	$371	$63
USAA	$459	$77
State Farm	$489	$82
Progressive	$513	$86
Allstate	$758	$128
Farmers	$988	$168
Hanover	$237	$40
AAA	$339	$57

Cheapest Full Coverage Car Insurance in Madison

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Madison is American Family at $81 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Madison, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$473	$81
Auto-Owners Insurance Co	$593	$98
Westfield	$672	$114
Travelers	$861	$145
Country Financial	$916	$154
Erie	$1067	$180
USAA	$1271	$214
Auto-Owners	$1311	$221
Progressive	$1343	$226
State Farm	$1446	$243
Farmers	$1588	$270
Allstate	$2284	$384
Hanover	$1249	$207

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Average Car Insurance in Madison by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Madison, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Madison, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Madison's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Madison

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Madison,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Madison at $43 per month. At $451 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
American Family	$293	$49
Mercury	$293	$49
Auto-Owners Insurance Co	$317	$53
Farmers	$513	$85
Country Financial	$1438	$242
Travelers	$1502	$253
Erie	$1706	$287
USAA	$2591	$436
Auto-Owners	$2829	$481
Progressive	$3982	$670
State Farm	$4922	$829
Allstate	$5372	$904
AAA	$451	$77

Teen Car Insurance Rates in IL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Madison, Mercury is the cheapest car insurance provider. At $301 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Madison is Farmers, offering rates of around $3864 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
Westfield	$395	$67
American Family	$497	$85
Hanover	$529	$88
Travelers	$948	$160
Country Financial	$1067	$180
Progressive	$1319	$222
USAA	$2338	$390
Erie	$2544	$432
Auto-Owners	$3619	$602
Allstate	$4140	$704
State Farm	$6178	$1029
Farmers	$3864	$657

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Car Insurance Rates with An Accident in Madison

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Madison, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Madison

The cheapest car insurance companies after an at-fault accident in Madison include American Family and AutoOwners Insurance Co, offering $317 and $331, respectively. AAA is an expensive provider with an average six-month premium of $561.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$317	$53
Auto-Owners Insurance Co	$331	$56
Westfield	$339	$57
Mercury	$435	$74
Farmers	$648	$108
Travelers	$798	$134
Erie	$988	$166
Country Financial	$1051	$177
State Farm	$1327	$223
USAA	$1422	$239
Auto-Owners	$1486	$247
Progressive	$2007	$338
Allstate	$3894	$656
AAA	$561	$96

Madison Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Madison IL. For example, the car insurance in Madison after a DUI increases to $1091 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Madison auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1303	$217
One Med/PIP claim	$1311	$223
Not-at-fault accident	$1383	$230
One comp claim	$1414	$241
Two Med/PIP claims	$1414	$235
Failure to wear a seat belt	$1516	$258
Driving without lights	$1532	$255
Child safety restraint	$1540	$262
Two comp claims	$1540	$257
Failure to show documents	$1564	$266
Speeding 6 - 10 MPH over limit	$1596	$266
Driving with expired registration	$1604	$273
Speeding 11 - 15 MPH over limit	$1636	$273
Driving too slowly	$1644	$279
Failure to yield	$1644	$274
Illegal turn	$1644	$279
At-fault accident - less than $1000	$1659	$277
Failure to stop at a red light	$1659	$282
Following too closely	$1659	$277
Speeding 16 - 20 MPH over limit	$1666	$283
Speeding in school zone	$1666	$278
Improper passing	$1674	$285
Wrong way/wrong lane	$1674	$279
Cell phone violation	$1706	$290
Texting while driving	$1706	$285
Passing school bus	$1722	$293
In 65 MPH zone	$1730	$289
Speeding 21 - 25 MPH over limit	$1746	$297
Operating a vehicle without permission	$1778	$297
At-fault accident - $1000-$2000	$1889	$321
At-fault accident - greater than $2000	$1919	$321
Open container	$1983	$338
Reckless driving	$2300	$383
Racing	$2322	$395
Driving with a suspended license	$2370	$395
Refusal to submit to a chemical test	$2386	$406
DUI	$2394	$399
Leaving scene of an accident/hit and run	$2418	$411

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Madison after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Madison.

The cheapest car insurance premiums in Madison are offered by Mercury at $301 for a six-month policy. However, it can be as expensive as $3389 with companies like Farmers.

Madison car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$301	$51
American Family	$317	$53
Travelers	$846	$142
Progressive	$1019	$172
Erie	$1217	$205
Country Financial	$1414	$238
USAA	$1943	$327
State Farm	$1999	$336
Auto-Owners	$2109	$359
Allstate	$3350	$564
Farmers	$3389	$576

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Madison are offered by Westfield at $253. However, it can be as expensive as $6210 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Madison after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
Auto-Owners Insurance Co	$285	$48
Mercury	$309	$52
American Family	$317	$53
Hanover	$379	$64
Erie	$790	$133
Country Financial	$948	$160
Travelers	$1201	$200
Auto-Owners	$1217	$207
State Farm	$1524	$254
USAA	$1682	$286
Progressive	$1722	$287
Allstate	$3587	$610
Farmers	$6210	$1035

Car Insurance Price Trends in Madison, Illinois

Car insurance rates in Madison have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Madison dipped by $225 in January compared to $257 of December. In other words, there has been an decrease by $32 when you compare January and December.

The average cost of liability insurance in the Madison dipped to $68 in January, compared to $70 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Madison?

The car insurance in Madison is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Madison?

The cheapest car insurance in Madison is $81 per month for full coverage.

How much is car insurance in Madison for teenagers?

Car insurance for teenagers costs $253 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Madison?

The average cost of car insurance is $871 for a six-month policy. It will cost around $194 per month to insure your car in Madison.

Is car insurance expensive in Madison?

Car insurance can be expensive in Madison if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Madison can be affordable.

Cheapest Car Insurance Quotes in Madison

Why you can trust Way?

How Much Is Car Insurance in Madison

Avg. Car Insurance in Madison

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Madison

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Madison Car Insurance Rates by Company

Cheap Car Insurance Companies in Madison, IL

Way's key takeaways about car insurance in Madison

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Madison

Cheapest Liability Coverage in Madison, IL

Cheapest Full Coverage Car Insurance in Madison

Cheapest Full Coverage Car Insurance Quotes in Madison, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Madison by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Madison, IL increasing?

Car Insurance Premiums by Age in Madison

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Madison,IL

If you are in your twenties N/A is the best choice for car insurance in Madison.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Madison

Cheapest Car Insurance Companies after an At-Fault Accident in Madison

Madison Car Insurance Rates by Violation

Madison auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Madison after a DUI

Madison car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Madison after Speeding ticket

Car Insurance Price Trends in Madison, Illinois

Average Car Insurance Cost in Madison by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Madison, IL

Car Insurance Rates by State in the USA (2025 Update)

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