Best Cheap Madison Auto Insurance

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When buying auto insurance it's important to understand some of the things that help calculate auto insurance rates. If you know what determines premiums, you can make educated decisions that can result in cheap car insurance in Madison. Many different elements are considered when pricing auto insurance. Some are pretty understandable, like a motor vehicle report, but other criteria are not quite as obvious such as whether you are married and annual miles driven.

One of the primary factors that determines auto insurance rates is the type of car, SUV, or truck you drive. The rate tables below detail price estimates for some of the more popular vehicles sold in Madison.

Auto Insurance Rates for Popular Cars in Madison
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SES 2-Dr Coupe $816 $408 $68
Ford Fusion Sport AWD 4-Dr Sedan $826 $413 $69
Honda Accord EX-L 4-Dr Sedan $664 $332 $55
Honda Civic SI 2-Dr Coupe $952 $476 $79
Hyundai Elantra GLS Touring Station Wagon $612 $306 $51
Kia Optima SX $828 $414 $69
Nissan Altima 2.5 S 4-Dr Sedan $762 $381 $64
Toyota Camry SE $762 $381 $64
Volkswagen Jetta 2.0T 4-Dr Sedan $774 $387 $65
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in specific location which can raise or lower auto insurance rates greatly.

Insurance Rates for Popular Pickup Trucks in Madison
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab 4WD $928 $464 $77
Chevrolet Silverado LS Crew Cab 4WD $774 $387 $65
Dodge Ram 2500 Crew Cab SLT 2WD $880 $440 $73
Dodge Ram Crew Cab ST 4WD $790 $395 $66
Ford F-150 SVT Raptor Super Cab 4WD $736 $368 $61
Ford F-250 XL Super Cab Turbo Diesel 2WD $880 $440 $73
GMC Canyon SLE Regular Cab 4WD $686 $343 $57
GMC Sierra 3500HD SLE Regular Cab 4WD $928 $464 $77
GMC Sierra SLE Regular Cab 2WD $724 $362 $60
Toyota Tundra SR/5 Double Cab 2WD $778 $389 $65
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can change premium rates substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Madison
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance 4WD $788 $394 $66
Chevrolet Suburban LT 4WD $736 $368 $61
Chevrolet Traverse LTZ AWD $676 $338 $56
Ford Escape Limited 2WD $626 $313 $52
Ford Expedition Limited 4WD $728 $364 $61
Ford Explorer XLT 2WD $686 $343 $57
GMC Acadia SLT AWD $736 $368 $61
Honda CR-V EX 2WD $612 $306 $51
Honda Fit Sport VSA $626 $313 $52
Honda Pilot EX-L 4WD $736 $368 $61
Jeep Grand Cherokee Laredo 4WD $724 $362 $60
Nissan Pathfinder SE 4WD $686 $343 $57
Subaru Forester X Limited Edition W/Navigation AWD $728 $364 $61
Toyota Highlander Sport 4WD $736 $368 $61
Toyota RAV4 Sport 2WD $724 $362 $60
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in Madison location which can decrease or increase insurance rates substantially.

Save money by raising your deductibles

The example below demonstrates how choosing different deductibles and can increase or decrease insurance prices for different age categories. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.

How to find cheaper Madison car insurance rates

To save the most money, regularly compare prices from providers that sell auto insurance in Wisconsin. You can shop around by following these guidelines.

Madison, Wisconsin Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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