Madison drivers pay an average of $1,754/year — $17 less than the national average. With 4,105 crashes per year and a 3.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $554/year.
(888) 217-6781Estimated full coverage auto insurance rates for Madison, WI from top carriers. Rates are adjusted for Madison's 4,105 annual crashes, 3.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $666 | $111/mo |
| Rural Mutual | $699 | $117/mo |
| Progressive | $746 | $124/mo |
| American Family | $786 | $131/mo |
| State Farm | $819 | $137/mo |
Estimates based on 2026 rate filings for ZIP 53706. GEICO is cheapest at ~$111/mo. Actual rates vary by driver profile and exact Madison location.
These Madison-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Madison, WI. Takes under 2 minutes.
(888) 217-6781As a major city in Wisconsin with 269,840 residents, Madison combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Madison track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Madison can swing your premium by hundreds of dollars. Here's how rates compare across Madison neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53709 | Madison South Side | $1,661/yr | $138/mo |
| 53710 | Madison North Side | $1,687/yr | $141/mo |
| 53714 | Madison West Side | $1,726/yr | $144/mo |
| 53716 | Madison East Side | $1,812/yr | $151/mo |
| 53706 | Madison Downtown/Central | $1,878/yr | $157/mo |
The cheapest ZIP is 53709 (Madison South Side) at $1,661/yr. The most expensive is 53706 (Madison Downtown/Central) at $1,878/yr — a $217/year difference for the same driver.
Your Madison ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Madison. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,683/yr | $307/mo | +110% vs avg |
| Young Adult (20-25) | $2,456/yr | $205/mo | +40% vs avg |
| Adult (26-35) | $1,754/yr | $146/mo | 0% vs avg |
| Mid-Career (36-50) | $1,544/yr | $129/mo | -12% vs avg |
| Senior (51-65) | $1,456/yr | $121/mo | -17% vs avg |
| 65+ | $1,561/yr | $130/mo | -11% vs avg |
Teens in Madison pay an average of $3,683/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,456/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Madison drivers can save up to $554/year. ZIP 53709 (Madison South Side) has the lowest rates starting at $1,661/yr.
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