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Finding the cheapest car insurance quotes in Madison shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $1010 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, 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.
At $492 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Westfield
Westfield offers auto
insurance rates at $519 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Tennessee Farm Bureau
Tennessee Farm Bureau offers auto insurance
rates at $553
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, TN is AutoOwners Insurance Co, offering policies at just $492 for a six-month term. This is followed by Westfield, which has an average six-month premium of $519.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1659 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.
Way's key takeaways about car insurance in Madison
The auto insurance costs in Madison fall around $492 for six
months.
The cheapest auto insurance company in Madison is Westfield.
Teen drivers pay the highest rate in Madison at $1034 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
Westfield provides
the cheapest minimum car insurance
coverage in Madison. Their Average 6 Month Premium is $158.
Allstate is the most
expensive at $553 for the same
period.
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 AutoOwners Insurance Co
at $84 per month and $492
for six months.
Cheapest Full Coverage Car Insurance Quotes in Madison,
TN
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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, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Madison, Tennessee, may be increasing due to several external factors.
Tennessee 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Madison,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Madison at $31
per
month. At $6080 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Madison.
As young drivers face the highest rates in Madison, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $218 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 State Farm, offering
rates of around $5725 for six
months.
Save up to $971/yr on car insurance rates in Madison.
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, TN,
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 Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $191
and $198,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3313.
Here is a list of driving violations that can increase your car
insurance rates in Madison TN. For example, the car
insurance in Madison
after a DUI increases to $1141 for a six
month policy. While the rate increases by $218 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
$1141
$190
Not-at-fault accident
$1148
$195
One Med/PIP claim
$1155
$192
One comp claim
$1168
$199
Two comp claims
$1182
$197
Two Med/PIP claims
$1182
$201
Failure to wear a seat belt
$1311
$218
Failure to show documents
$1332
$227
Child safety restraint
$1339
$223
Driving without lights
$1339
$228
Cell phone violation
$1359
$227
Driving with expired registration
$1359
$231
Speeding 6 - 10 MPH over limit
$1359
$227
Driving too slowly
$1366
$232
Speeding 11 - 15 MPH over limit
$1366
$228
Speeding in school zone
$1366
$232
Failure to yield
$1373
$229
Following too closely
$1373
$233
Illegal turn
$1373
$229
Speeding 16 - 20 MPH over limit
$1373
$233
Texting while driving
$1373
$229
Improper passing
$1387
$236
Wrong way/wrong lane
$1387
$231
Failure to stop at a red light
$1394
$237
In 65 MPH zone
$1415
$236
Speeding 21 - 25 MPH over limit
$1448
$246
At-fault accident - less than $1000
$1469
$245
Passing school bus
$1469
$250
Operating a vehicle without permission
$1557
$260
Open container
$1571
$267
At-fault accident - $1000-$2000
$1694
$283
At-fault accident - greater than $2000
$1694
$288
Reckless driving
$2138
$357
Racing
$2145
$365
Driving with a suspended license
$2200
$367
Refusal to submit to a chemical test
$2240
$381
DUI
$2282
$381
Leaving scene of an accident/hit and run
$2282
$388
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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 Tennessee Farm Bureau at $300 for a six-month policy.
However, it can be as
expensive as $2405 with companies
like AutoOwners.
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 $184. However,
it can be as expensive as $2425
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Madison after Speeding ticket
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 rose by
$200 in January
compared to $110 of December. In other words, there has been an increase by $90 when you
compare January and December.
The average cost of liability insurance in the Madison rose to $48 in January,
compared to $43 in December.
This represents an increase of $5
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Madison. At $2019 for a
six-month policy, insuring
your car at 37115 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Madison?
The car insurance in Madison is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Madison?
The cheapest car insurance in Madison
is $84 per month
for full coverage.
How much is car insurance in Madison for teenagers?
Car insurance for teenagers costs $184 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 $878 for a six-month
policy. It will cost around $170 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.
What is the best car insurance in Madison,
TN?
The best car insurance company in Madison
TN is
AutoOwners Insurance Co, offering $492 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Madison, TN
Car Insurance Rates by State in the USA (2025 Update)
Madison Car Insurance
