Madison Auto Insurance Rates, Quotes, Agents & Reviews in WI

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.

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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 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

I 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.
I 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.
We 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 Insurance
yes 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 Farm
I 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.
I 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 Insurance
I 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 Farm
I 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 Insurance
I 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.
I 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 Farm
I 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.
They 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.
I have an expensive plan that covers absolutely every possibility. I pay the premium for premium service.
Motorist Insurance
They are pretty basic and comparable to others. Nothing stands out though. It's budget like insurance.