Cheapest car insurance in Madison, Wisconsin

Wisconsin requires minimum liability coverage of 25/50/10, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Wisconsin →

Pulled directly from carrier rate filings for this city.

With 269,840 residents, Madison sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 62% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, rates here land close to the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 GEICOFiled rate, credit/record adjusted $111.76
02 Erie InsuranceFiled rate, credit/record adjusted $158.27
03 NationwideFiled rate, credit/record adjusted $164.02
04 Rural Mutual InsuranceFiled rate, credit/record adjusted $173.05
05 Auto-OwnersFiled rate, credit/record adjusted $196.85
06 West Bend Insurance CompanyFiled rate, credit/record adjusted $240.98
07 FarmersFiled rate, credit/record adjusted $267.85
08 AllstateFiled rate, credit/record adjusted $279.95
09 Acuity InsuranceFiled rate, credit/record adjusted $297.30
Rate explainer
Why is your best rate $111.76 and not $209.31?

Madison is priced against 9 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-32.84
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, One ticket (modeled) +$33.53
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.