Updated January 11, 2026

4 Best Tips For Buying Cheap Car Insurance in Madison, WI

Wisconsin cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Madison, WI

Jerry has helped customers find affordable coverage in Wisconsin since 2019. In Madison, here are some key numbers from the past six months:

  • Jerry has helped 157 drivers to compare 10 insurance providers.

  • Majority of quotes range from $68 to $168 per month.

  • On average, Jerry users who switched to a lower quote saved $32 to $146 per month.

If you’re looking to save on car insurance, Jerry helps you shop around and find new quotes in minutes.

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How Jerry finds car insurance savings for Madison drivers

Premiums have gone up for a lot of drivers in Madison, but you don’t have to just sit back and accept it. Jerry compares quotes, uncovers discounts and helps you choose smarter coverage for your needs and budget. Below are real examples of Madison drivers who found cheaper coverage through Jerry.

Recent quotes

Last Updated Jan. 12, 2026
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Learn more: Best car insurance in Wisconsin


If you’re looking to find the cheapest car insurance in Wisconsin, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Madison can often save money just by checking quotes from different insurance companies. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage. 

Shopping around is one of the simplest ways to find the cheapest insurance for your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Jan. 12, 2026
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Jerry recommends: Compare quotes across several insurers to make sure you’re getting the lowest price for the coverage you want. The Jerry app makes it easy to see your options side by side.

Jerry Agent Tip 2: Apply discounts to maximize your savings

Drivers in Madison can lower their premiums by using discounts for things like being a homeowner, going paperless or having modern safety features. Combined, these savings can make premiums more affordable without compromising protection

It’s not always easy to know which discounts you qualify for, so Jerry finds and stacks them for you automatically.

Key takeaway: Combining discounts is an effective way to save. Jerry finds discounts you qualify for at different insurers when you compare quotes in the app.

Jerry Agent Tip 3: Balance protection and price to find the right coverage

Choosing the right mix of coverage helps drivers in Madison stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in Madison:

Minimum

$42$80/mo

Meets state liability requirements but doesn’t protect your own car.

Full

$89$183/mo

Adds collision and comprehensive, often required if you finance or lease.

Standard

$102$209/mo

Builds on full coverage with UM/UIM and medical payments.

Preferred

$105$185/mo

Offers higher liability limits, lower deductibles and extras like towing or rental reimbursement.

Methodology

Jerry recommends: Choose the coverage tier that matches your comfort with risk. Then use Jerry to compare real-time quotes for each tier and pick the one that gives you the best value.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving comes with financial risks, but staying protected shouldn’t drain your budget. By comparing quotes and looking for discounts, you can often save more than you expect while still having adequate coverage. Jerry makes it easy for Madison drivers to see real savings by checking multiple insurers and finding discounts that apply.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.
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