How Much Does Auto Insurance Cost in Madison, WI?
- State minimum liability on average in Madison, WI costs $62 a month or $744 a year. Full coverage auto policies costs around $223 a month or $2,680 a year in Madison.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Madison – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Companies in Madison, WI?
- In Madison, WI the cheapest car insurance companies on average are GEICO, American Family Ins. Co and Artisan & Truckers. State minimum liability car insurance starts at $35 a month or $421 a year with GEICO. The cheapest full coverage car insurance starts at $131 a month or $1,574 a year with American Family.
Here are the average policy rates from the cheapest local and national insurance providers in Madison from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| GEICO | $421 | $35 | $2,144 | $179 |
| American Family | $665 | $55 | $1,574 | $131 |
| Artisan & Truckers Ins. Co. | $673 | $56 | $4,093 | $341 |
| Allstate | $726 | $61 | $2,813 | $234 |
| State Farm | $766 | $64 | $3,530 | $294 |
Finding a Cheap Auto Insurance Policy in Madison, WI
Madison, Wisconsin is known for its high auto insurance policy rates compared to other cities in the state. To find the cheapest car insurance companies in Madison, drivers should consider getting multiple free auto insurance quotes and comparing them all in one place with InsuranceQuotes’ easy-to-use quote form. Our real-time cost comparison tools draw from a database of the cheapest local and national insurance companies, making it simple for drivers to find affordable coverage that meets their needs. By taking advantage of this resource, residents can save money on their premiums while still receiving quality protection on the road.
How Much Car Insurance Do I Need in Wisconsin?
In Wisconsin, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Wisconsin includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Wisconsin requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Wisconsin requires minimum property damage liability coverage of:
- $10,000 for injury to or destruction of property of others in any one accident
This coverage is often abbreviated as 25/50/10. It means that your insurance policy must provide at least $25,000 in coverage for injuries to a single person, $50,000 in coverage for injuries to multiple people in a single accident, and $10,000 in coverage for property damage caused by the accident.
These are the minimum coverage requirements mandated by Wisconsin law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Wisconsin also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Wisconsin and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Car insurance in Madison, WI averages $33/month for minimum coverage and $100/month for full coverage in 2026. Erie Insurance offers rates starting around $28/month. Your actual rate in Madison depends on your driving record, vehicle, ZIP code, and coverage level.
WI requires minimum coverage of 25/50/10. WI is a tort state — the at-fault driver is responsible for all resulting damages. Driving uninsured in WI can result in license suspension and fines.
No. WI is a tort state. The at-fault driver is legally responsible for the other party’s injuries and property damage.
For Madison drivers in 2026, Erie Insurance is among the most affordable options in WI starting around $28/month for minimum coverage. State Farm, GEICO, and Progressive are also widely available and worth comparing. Rate differences between carriers can exceed $50/month for identical coverage.
Wisconsin is one of the most affordable states for car insurance. Milwaukee drivers pay significantly more than rural Wisconsin due to urban density. To lower your Madison premium: (1) compare at least three carrier quotes annually, (2) maintain a clean driving record, (3) bundle auto and home or renters insurance for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to cut premiums 10 to 15%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
