Cheap Car Insurance in Madison, WI (August 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
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Cheap Car Insurance in Madison, WI (August 2025)

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Officials in Madison have been lowering speed limits and implementing other safety measures, with a goal to to eliminate all fatal and serious injury crashes on city streets by 2035. But whether you’re going to the farmer’s market at the Capitol or heading out to enjoy a day at the lake, it’s best to have a robust car insurance policy on your vehicle.

We’ve gathered auto insurance quote data from Jerry customers in Madison to show you how your age, driving history and desired coverage can affect your rate.

Find affordable car insurance in minutes.

More: Best car insurance in Wisconsin

Cheapest minimum coverage insurance in Madison

Wisconsin requires drivers to carry these minimum coverages:

  • $25,000 for bodily injury of one person.
  • $50,000 for bodily injury of more than one person.
  • $10,000 for property damage.
  • Uninsured motorist coverage of at least $25,000 in bodily injury coverage for one person and $50,000 for more than one person.

Here are the cheapest minimum coverage policies that drivers in Madison have been quoted through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$24 $288 Safeco 43 June 24, 2025 Madison, WI 53704
$41 $490 Bristol West 40 June 18, 2025 Madison, WI 53719
$42 $502 Geico 21 April 28, 2025 Madison, WI 53703
$43 $512 Progressive 28 April 4, 2025 Madison, WI 53711
$43 $515 Safeco 32 July 8, 2025 Madison, WI 53705
$43 $518 National General 27 May 24, 2025 Madison, WI 53719
$45 $538 Gainsco 39 June 16, 2025 Madison, WI 53704
$46 $548 National General 59 May 7, 2025 Madison, WI 53705
$47 $558 National General 26 July 22, 2025 Madison, WI 53718
$49 $586 Progressive 24 July 26, 2025 Madison, WI 53704
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

More: Cheapest car insurance in Wisconsin

Cheapest full coverage insurance in Madison

According to FEMA’s National Risk Index, the Madison area has a high risk of ice storms, tornadoes and hail. If your car is damaged by a weather hazard, minimum coverage won’t compensate you for your losses, but full coverage may. Here are the cheapest full coverage policies quoted in Madison via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$45 $538 Progressive 39 June 16, 2025 Madison, WI 53704
$49 $586 Progressive 24 July 26, 2025 Madison, WI 53704
$53 $630 Progressive 43 June 24, 2025 Madison, WI 53704
$53 $636 Safeco 39 June 18, 2025 Madison, WI 53718
$55 $656 National General 41 June 19, 2025 Madison, WI 53703
$55 $656 Progressive 40 June 1, 2025 Madison, WI 53704
$61 $736 National General 78 May 21, 2025 Madison, WI 53719
$67 $800 Progressive 54 July 19, 2025 Madison, WI 53714
$67 $804 Geico 38 April 9, 2025 Madison, WI 53711
$67 $804 National General 38 June 18, 2025 Madison, WI 53703
Last Updated Jul 30, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Madison (18-29 years old)

Young drivers are likely to receive the most expensive quotes for auto insurance because insurers may view their lack of driving experience as risky. Here are the cheapest quotes that young drivers in Madison have received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$42 $502 Geico 21 No April 28, 2025 Madison, WI 53703
$43 $512 Progressive 28 No April 4, 2025 Madison, WI 53711
$47 $558 National General 26 No July 22, 2025 Madison, WI 53718
$49 $586 Progressive 24 Yes July 26, 2025 Madison, WI 53704
$58 $698 National General 23 No February 11, 2025 Madison, WI 53713
Last Updated Jul 30, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Madison (30-54 years old)

Drivers between 30 and 54 typically see cheaper auto insurance premiums than younger drivers. Once you reach this age range, it’s wise to regularly rate shop with multiple insurers in search of a lower rate. Here are the cheapest quotes that mature drivers in Madison have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$41 $490 Bristol West 40 No June 18, 2025 Madison, WI 53719
$45 $538 Gainsco 39 No June 16, 2025 Madison, WI 53704
$53 $630 Progressive 43 Yes June 24, 2025 Madison, WI 53704
$53 $636 Safeco 39 Yes June 18, 2025 Madison, WI 53718
$54 $652 National General 30 No April 27, 2025 Madison, WI 53711
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers in Madison (55+ years old)

Drivers older than 54 typically pay the lowest insurance rates, though rates may begin to rise again as they reach their 70s. Check out the cheapest quotes for older drivers in Madison, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$61 $736 National General 78 Yes May 21, 2025 Madison, WI 53719
$85 $1,024 Gainsco 61 Yes May 26, 2025 Madison, WI 53714
$122 $1,458 The General 62 Yes July 20, 2025 Madison, WI 53704
$126 $1,506 Progressive 55 Yes May 20, 2025 Madison, WI 53718
$128 $1,532 ROOT 59 Yes May 7, 2025 Madison, WI 53705
Last Updated Jul 30, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Madison

Drivers with clean records typically pay the lowest car insurance premiums. Here are the cheapest quotes for drivers in Madison with spotless records, based on Jerry’s customer data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$41 $490 Bristol West 40 No June 18, 2025 Madison, WI 53719
$42 $502 Geico 21 No April 28, 2025 Madison, WI 53703
$43 $512 Progressive 28 No April 4, 2025 Madison, WI 53711
$45 $538 Gainsco 39 No June 16, 2025 Madison, WI 53704
$47 $558 National General 26 No July 22, 2025 Madison, WI 53718
$49 $586 Progressive 24 Yes July 26, 2025 Madison, WI 53704
$53 $630 Progressive 43 Yes June 24, 2025 Madison, WI 53704
$53 $636 Safeco 39 Yes June 18, 2025 Madison, WI 53718
$54 $652 National General 30 No April 27, 2025 Madison, WI 53711
$55 $656 National General 41 Yes June 19, 2025 Madison, WI 53703
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with low credit scores in Madison

Wisconsin allows insurers to set premiums using drivers’ credit scores. Because insurers may weigh your credit score differently, shopping around could help you find the best rate. Here are the cheapest auto insurance quotes for drivers in Madison with credit scores below 550.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $131 $1,572 Gainsco 26 February 28, 2024 Madison, WI 53711
<550 $140 $1,682 The General 35 May 24, 2025 Madison, WI 53713
<550 $141 $1,697 Dairyland 25 February 21, 2024 Madison, WI 53719
<550 $220 $2,636 Progressive 27 February 5, 2025 Madison, WI 53711
<550 $318 $3,813 Dairyland 34 May 15, 2024 Madison, WI 53713
Last Updated Jul, 2025

Cheapest car insurance for drivers with at-fault accidents in Madison

If you’re in an at-fault accident, you can expect your car insurance premium to rise. Here are the cheapest quotes for drivers in Madison with at-fault accidents, based on Jerry data.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $44 $532 Progressive 49 No February 18, 2025 Madison, WI 53719
At Fault With No Injury $98 $1,181 Progressive 35 No March 15, 2025 Madison, WI 53719
At Fault With No Injury $99 $1,190 Bristol West 55 No November 5, 2024 Madison, WI 53714
At Fault With No Injury $131 $1,572 Gainsco 26 Yes February 28, 2024 Madison, WI 53711
At Fault With No Injury $140 $1,682 The General 35 No May 24, 2025 Madison, WI 53713
Last Updated Jul, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.