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 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.
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.
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$36 | $428 | National General | 37 | February 23, 2025 | Madison, WI | 53717 |
$37 | $446 | Progressive | 31 | October 23, 2024 | Madison, WI | 53703 |
$39 | $466 | Progressive | 34 | May 2, 2025 | Madison, WI | 53705 |
$39 | $466 | National General | 28 | April 23, 2025 | Madison, WI | 53703 |
$41 | $486 | Bristol West | 27 | January 31, 2024 | Madison, WI | 53716 |
$49 | $586 | Progressive | 28 | April 4, 2025 | Madison, WI | 53711 |
$51 | $610 | Progressive | 38 | February 18, 2025 | Madison, WI | 53704 |
$52 | $620 | Progressive | 36 | December 15, 2024 | Madison, WI | 53717 |
$52 | $626 | Progressive | 30 | March 7, 2024 | Madison, WI | 53713 |
$53 | $634 | Progressive | 28 | April 19, 2025 | Madison, WI | 53703 |
If you have a loan or lease on your vehicle, the lender will require
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$33 | $392 | Progressive | 27 | January 3, 2025 | Madison, WI | 53718 |
$36 | $428 | National General | 37 | February 23, 2025 | Madison, WI | 53717 |
$52 | $620 | Progressive | 36 | December 15, 2024 | Madison, WI | 53717 |
$53 | $634 | Progressive | 28 | April 19, 2025 | Madison, WI | 53703 |
$66 | $796 | Bristol West | 59 | May 7, 2025 | Madison, WI | 53705 |
$67 | $806 | Progressive | 43 | January 7, 2024 | Madison, WI | 53714 |
$78 | $936 | Progressive | 44 | March 17, 2025 | Madison, WI | 53714 |
$81 | $972 | The General | 47 | September 12, 2024 | Madison, WI | 53719 |
$110 | $1,320 | Safeco | 83 | January 10, 2025 | Madison, WI | 53704 |
$125 | $1,500 | Bristol West | 51 | January 17, 2025 | Madison, WI | 53711 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$33 | $392 | Progressive | 27 | Yes | January 3, 2025 | Madison, WI | 53718 |
$39 | $466 | National General | 28 | No | April 23, 2025 | Madison, WI | 53703 |
$41 | $486 | Bristol West | 27 | No | January 31, 2024 | Madison, WI | 53716 |
$49 | $586 | Progressive | 28 | No | April 4, 2025 | Madison, WI | 53711 |
$53 | $634 | Progressive | 28 | Yes | April 19, 2025 | Madison, WI | 53703 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$36 | $428 | National General | 37 | Yes | February 23, 2025 | Madison, WI | 53717 |
$37 | $446 | Progressive | 31 | No | October 23, 2024 | Madison, WI | 53703 |
$39 | $466 | Progressive | 34 | No | May 2, 2025 | Madison, WI | 53705 |
$51 | $610 | Progressive | 38 | No | February 18, 2025 | Madison, WI | 53704 |
$52 | $620 | Progressive | 36 | Yes | December 15, 2024 | Madison, WI | 53717 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$66 | $796 | Bristol West | 59 | Yes | May 7, 2025 | Madison, WI | 53705 |
$66 | $796 | Progressive | 68 | No | November 20, 2023 | Madison, WI | 53704 |
$105 | $1,260 | National General | 55 | No | November 5, 2024 | Madison, WI | 53714 |
$110 | $1,320 | Safeco | 83 | Yes | January 10, 2025 | Madison, WI | 53704 |
$180 | $2,164 | Progressive | 59 | Yes | March 13, 2024 | Madison, WI | 53711 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$33 | $392 | Progressive | 27 | Yes | January 3, 2025 | Madison, WI | 53718 |
$36 | $428 | National General | 37 | Yes | February 23, 2025 | Madison, WI | 53717 |
$37 | $446 | Progressive | 31 | No | October 23, 2024 | Madison, WI | 53703 |
$39 | $466 | Progressive | 34 | No | May 2, 2025 | Madison, WI | 53705 |
$41 | $486 | Bristol West | 27 | No | January 31, 2024 | Madison, WI | 53716 |
$49 | $586 | Progressive | 28 | No | April 4, 2025 | Madison, WI | 53711 |
$52 | $620 | Progressive | 36 | Yes | December 15, 2024 | Madison, WI | 53717 |
$52 | $626 | Progressive | 30 | No | March 7, 2024 | Madison, WI | 53713 |
$66 | $796 | Bristol West | 59 | Yes | May 7, 2025 | Madison, WI | 53705 |
$67 | $806 | Progressive | 43 | Yes | January 7, 2024 | Madison, WI | 53714 |
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 | $67 | $806 | Progressive | 43 | January 7, 2024 | Madison, WI | 53714 |
<550 | $81 | $972 | The General | 47 | September 12, 2024 | Madison, WI | 53719 |
<550 | $133 | $1,594 | Progressive | 29 | January 26, 2024 | Madison, WI | 53719 |
<550 | $141 | $1,697 | Dairyland | 25 | February 21, 2024 | Madison, WI | 53719 |
<550 | $163 | $1,958 | Progressive | 26 | February 28, 2024 | Madison, WI | 53711 |
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 | $66 | $796 | Progressive | 68 | No | November 20, 2023 | Madison, WI | 53704 |
At Fault With No Injury | $105 | $1,260 | National General | 55 | No | November 5, 2024 | Madison, WI | 53714 |
At Fault With No Injury | $141 | $1,697 | Dairyland | 25 | No | February 21, 2024 | Madison, WI | 53719 |
At Fault With No Injury | $163 | $1,958 | Progressive | 26 | Yes | February 28, 2024 | Madison, WI | 53711 |
At Fault With No Injury | $260 | $3,116 | Root | 29 | Yes | April 12, 2025 | Madison, WI | 53703 |
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.

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.

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.