Madison, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Madison, WI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Madison, WI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Madison, WI Auto Insurance Rates
- Madison, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Madison, WI
- Multi Vehicle Insurance Savings in Madison, WI
- How Credit Score Affects Car Insurance Rates in Madison, WI
- How DUI Affects Auto Insurance Premiums in Madison, WI
- Top Auto Insurance Agents Near Madison, WI
- How Driving Violations Affect Auto Insurance Rates in Madison, WI
- Madison, WI Auto Insurance Discounts on Anti Theft Feature
- Madison, WI Auto Insurance Company Reviews
Madison, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Madison, WI with that of other cities in and around Madison.
| Madison | Westport | Monona | Dane County | Waunakee | Shorewood Hills | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $952 | $1,178 | $1,151 | $1,015 | $1,194 | $1,399 |
Madison, WI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Madison, WI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Madison | $1,180 | $997 |
| Shorewood Hills | $2,633 | $2,224 |
| Dane County | $2,313 | $1,954 |
| Maple Bluff | $1,846 | $1,559 |
| Middleton | $3,657 | $3,089 |
| Westport | $1,008 | $852 |
| Monona | $1,549 | $1,308 |
| Waunakee | $1,589 | $1,342 |
Madison, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Madison, WI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,089 |
| 20 Years | $1,223 |
| 30 Years | $942 |
| 40 Years | $906 |
| 50 Years | $839 |
| 60 Years | $851 |
| 70 Years | $991 |
Madison, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Madison, WI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,676 | $228 |
| 3 Vehicles | $2,513 | $343 |
| 4 Vehicles | $3,351 | $457 |
Savings on 2 Vehicles bundle:$228
Savings on 3 Vehicles bundle:$343
Savings on 4 Vehicles bundle:$457
Madison, WI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Madison, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Madison | $952 | $1,833 |
| Shorewood Hills | $1,399 | $2,694 |
| Dane County | $1,015 | $1,954 |
| Maple Bluff | $1,311 | $2,524 |
| Middleton | $1,192 | $2,295 |
| Westport | $1,178 | $2,268 |
| Monona | $1,151 | $2,216 |
| Waunakee | $1,194 | $2,299 |
Madison, WI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $817 |
| Excellent (740-799) | $932 |
| Good (670-739) | $992 |
| Average (580-669) | $1,294 |
| Poor (300-579) | $1,553 |
Madison, WI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Jay Hartley | Allstate | 4261 Lien Rd Ste R, Madison, 53704 | (608) 216-2828 |
| M3 Insurance Solutions For Business | Liberty Mutual Independent | 3113 West Beltline Hwy , Madison, 53713 | None |
| Michael Chandler | Farmers | 5920 Exchange St Ste 1, Mc Farland, 53558 | (608) 579-1333 |
| Tc Insurance | None | 6701 Seybold Road Suite 229 , Madison, 53719 | None |
| Avid Risk Solutions | Erie | 2009 W. Beltline Hwy St. 103 Madison, Fitchburg, 53713 | None |
| Dave Bergemann | State Farm | 238 N Main St Ste 1, Dousman, 53118-9305 | 262-965-2155 |
| Pease Insurance Agency | None | 162 N Main St P.O. Box 163, dousman, 53118 | (262) 361-9054 |
| Binning & Dickens Insurance Services Ltd | None | 329 W Center St, Whitewater, 53190 | (262) 417-1300 |
Madison, WI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$42 | $994 |
| Driver's Failure In Showing Documents | +$92 | $1,044 |
| Driving With An Expired Registration | +$98 | $1,050 |
| Driving At A Considerably Slow Pace | +$207 | $1,159 |
| Using A Cellphone While Driving | +$218 | $1,170 |
| Running A Red Light | +$222 | $1,174 |
| Speeding | +$233 | $1,185 |
| Driving A Vehicle Without The Required Permission | +$296 | $1,248 |
| Driving With An Expired/Suspended License | +$642 | $1,594 |
Madison, WI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $914 |
| Active Disabling Device | $914 |
| Tracking Device | $895 |
| Passive Disabling Device | $885 |
Latest Auto Insurance Reviews in Madison, WI | Back to Top
AllstateI have got many car insurance quotes from different insurance providers. The best offer which i got was from my insurance company (All State). They offer best policies compared to others.
AllstateI had a great experience with coverage with this company when a deer hit my car last fall. The car was covered with only a $100 deductible and repaired by a major dealership completely.
AllstateWe switched to this provider and have dealt with more than 3 different auto insurance companies over the past 10 years. I find Allstate to be the best of them due to the options they have available and the coverage.
Farmer's Insuranceyes they can must be nice to other of that and they can must put the effort from the creative value , so they can must the customer to it
State FarmI had state farm in the past and had gone through other insurances because state farm had high prices. After a couple years I cam back to it because the coverage they had was great and their prices lowered.
ProgressiveI always recommend Progressive to friends and family for car insurance. I have been a satisfied customer for years and will continue to be in the future!
West Bend Mutual InsuranceI would recommend West Bend Mutual Insurance for auto insurance. They offer a full range of products and when bundled with the home owner's insurance.
State FarmI haven't reviewed my auto insurance coverage in a long time, so I am not sure how it compares to other companies. I am somewhat satisfied with what I have, so I will give it a 2.
Farmer's InsuranceI love the customer service that I receive at Farm Bureau. I also enjoy the premium as it is significantly lower than my previous company (Geico). I also love how close my office is now compared to not even knowing where the nearest Geico office was.
ProgressiveI have only had a few occasions to communicate with customer support, but the few times I have the staff has been very helpful with any of my questions and concerns.
State FarmI started disliking them after my unfortunate accident when they found me at fault instead of the person who hit me and made me so angry so after my new monthly premium went up big time, I decided maybe it was time to find someone else.
ProgressiveThey are pretty on point. Their pricing is fair and I have stuck with them. I changed locations and cars and both have worked out well.
AllstateI have an expensive plan that covers absolutely every possibility. I pay the premium for premium service.
Motorist InsuranceThey are pretty basic and comparable to others. Nothing stands out though. It's budget like insurance.