Buy Cheap Madison, IN Auto Insurance in 2024
Madison, IN auto insurance rates average $290 a month. Minimum auto insurance requirements in Madison, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Madison, IN, compare Madison auto insurance quotes from top companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Madison, IN are $290/month
- The most expensive auto insurance company in Madison after a DUI is Liberty Mutual
- Average auto insurance rates in Madison, IN after a DUI are $4,118/year
Finding affordable Madison, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Madison, IN auto insurance with confidence is right here. Auto insurance rates in Madison are affected by local factors as well as personal ones like your driving record.
See how Madison, IN car insurance rates compare to Bloomington auto insurance rates, Carmel auto insurance rates, and Indianapolis auto insurance rates before you read more about the cost of auto insurance in Madison.
Don’t buy Madison, IN auto insurance until you’ve compared rates. Get free Madison, Indiana auto insurance quotes when you enter your ZIP code above.
Madison, IN Minimum Auto Insurance Requirements
The required auto insurance in Madison, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Madison, Indiana is outlined here.
Minimum Required Auto Insurance Coverage in Madison, Indiana
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Madison, IN Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Madison, IN. Take a look at Madison, Indiana auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Madison, Indiana
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,012 | $3,721 | $3,377 |
| American Family | $5,388 | $3,498 | $2,927 |
| Farmers | $3,909 | $3,184 | $2,949 |
| Geico | $2,934 | $2,438 | $1,941 |
| Liberty Mutual | $7,907 | $5,146 | $4,759 |
| Nationwide | $3,589 | $3,028 | $2,828 |
| Progressive | $4,540 | $4,015 | $3,783 |
| State Farm | $4,013 | $2,392 | $1,854 |
| Travelers | $3,826 | $3,245 | $3,243 |
| USAA | $2,232 | $1,473 | $1,262 |
Buy Cheap Madison, IN Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Madison, Indiana auto insurance rates? Find out how car insurance rates in Madison, IN are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Madison, Indiana
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,517 | $2,584 | $2,203 | $2,408 | $7,629 | $9,583 | $2,571 | $2,800 |
| American Family | $2,473 | $2,473 | $2,219 | $2,219 | $6,768 | $9,826 | $2,473 | $3,050 |
| Farmers | $1,529 | $1,510 | $1,310 | $1,470 | $8,123 | $8,658 | $2,008 | $2,171 |
| Geico | $1,673 | $1,657 | $1,547 | $1,591 | $4,871 | $4,549 | $1,912 | $1,701 |
| Liberty Mutual | $4,048 | $4,048 | $3,718 | $3,718 | $8,901 | $13,457 | $4,048 | $5,562 |
| Nationwide | $1,921 | $1,967 | $1,676 | $1,795 | $5,684 | $7,404 | $2,260 | $2,479 |
| Progressive | $1,755 | $1,664 | $1,587 | $1,598 | $10,271 | $11,568 | $2,204 | $2,254 |
| State Farm | $1,715 | $1,715 | $1,520 | $1,520 | $5,057 | $6,506 | $1,894 | $2,098 |
| Travelers | $1,228 | $1,249 | $1,154 | $1,153 | $7,714 | $12,207 | $1,301 | $1,499 |
| USAA | $1,060 | $1,046 | $983 | $994 | $2,920 | $3,272 | $1,434 | $1,540 |
Buy Cheap Madison, IN Auto Insurance for Teen Drivers
Auto insurance for teenagers in Madison can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Madison, IN are listed here.
Annual Auto Insurance Rates for Teen Drivers in Madison, Indiana
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,629 | $9,583 |
| American Family | $6,768 | $9,826 |
| Farmers | $8,123 | $8,658 |
| Geico | $4,871 | $4,549 |
| Liberty Mutual | $8,901 | $13,457 |
| Nationwide | $5,684 | $7,404 |
| Progressive | $10,271 | $11,568 |
| State Farm | $5,057 | $6,506 |
| Travelers | $7,714 | $12,207 |
| USAA | $2,920 | $3,272 |
Buy Cheap Madison, IN Auto Insurance for Seniors
You can save on senior auto insurance rates in Madison, Indiana by comparing Madison senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Madison, IN here.
Annual Auto Insurance Rates for Senior Drivers in Madison, Indiana
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,203 | $2,408 |
| American Family | $2,219 | $2,219 |
| Farmers | $1,310 | $1,470 |
| Geico | $1,547 | $1,591 |
| Liberty Mutual | $3,718 | $3,718 |
| Nationwide | $1,676 | $1,795 |
| Progressive | $1,587 | $1,598 |
| State Farm | $1,520 | $1,520 |
| Travelers | $1,154 | $1,153 |
| USAA | $983 | $994 |
Find Cheap Auto Insurance Rates in Madison, IN by Coverage Level
The amount of coverage you choose is a big factor in the cost of Madison, Indiana auto insurance. Compare Madison, IN auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Madison, Indiana
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,863 | $4,022 | $4,225 |
| American Family | $3,904 | $4,068 | $3,841 |
| Farmers | $3,231 | $3,340 | $3,471 |
| Geico | $2,295 | $2,432 | $2,587 |
| Liberty Mutual | $5,768 | $5,924 | $6,121 |
| Nationwide | $3,204 | $3,123 | $3,118 |
| Progressive | $3,887 | $4,049 | $4,401 |
| State Farm | $2,624 | $2,753 | $2,883 |
| Travelers | $3,370 | $3,470 | $3,475 |
| USAA | $1,597 | $1,652 | $1,720 |
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Find Cheap Madison, IN Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Madison. Compare auto insurance rates in Madison, IN by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Madison, Indiana
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,037 | $4,037 |
| American Family | $3,890 | $3,985 |
| Farmers | $3,347 | $3,347 |
| Geico | $2,392 | $2,483 |
| Liberty Mutual | $5,779 | $6,096 |
| Nationwide | $3,148 | $3,148 |
| Progressive | $4,113 | $4,113 |
| State Farm | $2,673 | $2,833 |
| Travelers | $3,438 | $3,438 |
| USAA | $1,634 | $1,678 |
Find Cheap Madison, IN Auto Insurance Rates by Driving Record
Auto insurance rates in Madison, Indiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Madison, IN, take a look at the average cost for various violations versus rates for a clean driving record in Madison.
Annual Madison, Indiana Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,225 | $4,724 | $4,362 | $3,837 |
| American Family | $2,714 | $4,320 | $5,483 | $3,234 |
| Farmers | $2,994 | $3,494 | $3,595 | $3,306 |
| Geico | $1,607 | $2,518 | $3,385 | $2,240 |
| Liberty Mutual | $4,653 | $5,470 | $8,508 | $5,119 |
| Nationwide | $2,700 | $3,496 | $3,350 | $3,048 |
| Progressive | $3,080 | $5,400 | $3,678 | $4,292 |
| State Farm | $2,691 | $2,940 | $2,691 | $2,691 |
| Travelers | $2,922 | $3,609 | $4,089 | $3,133 |
| USAA | $1,253 | $1,780 | $2,040 | $1,551 |
Find Cheap Madison, IN Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Madison, Indiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Madison for less when you shop around and compare rates from multiple Madison, IN auto insurance companies.
Annual Auto Insurance Rates After a DUI in Madison, Indiana
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,362 |
| American Family | $5,483 |
| Farmers | $3,595 |
| Geico | $3,385 |
| Liberty Mutual | $8,508 |
| Nationwide | $3,350 |
| Progressive | $3,678 |
| State Farm | $2,691 |
| Travelers | $4,089 |
| USAA | $2,040 |
Winners by Category: Where to Buy Cheap Auto Insurance in Madison, IN
Compare rates from the cheapest auto insurance companies in Madison, IN for your needs. Take a look at how Madison, Indiana auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Madison, Indiana
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Find Cheap Madison, Indiana Auto Insurance Companies
If you’re looking for the cheapest Madison, IN auto insurance companies overall, you can compare them here. Find the best price for Madison, Indiana car insurance by company.
Average Annual Auto Insurance Rates by Company in Madison, Indiana
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,037 |
| American Family | $3,938 |
| Farmers | $3,347 |
| Geico | $2,438 |
| Liberty Mutual | $5,937 |
| Nationwide | $3,148 |
| Progressive | $4,113 |
| State Farm | $2,753 |
| Travelers | $3,438 |
| USAA | $1,656 |
What affects Madison, Indiana auto insurance rates?
Local factors affect auto insurance rates in Madison, IN, including traffic, theft statistics, and commute length. Take a look at the things that impact Madison auto insurance rates.
Commute Times in Madison
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Madison, IN is 17.9 minutes according to City-Data.
Traffic in Madison
How is traffic in Madison, Indiana? Inrix data shows that Madison, IN traffic makes it the 798th-most congested city compared to other cities worldwide.
Compare Auto Insurance Quotes in Madison, IN
You can buy cheap Madison, IN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Madison, Indiana auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Madison, IN?
To find cheap auto insurance in Madison, IN, you can follow these five steps:
- Shop around and compare quotes from different insurance providers.
- Consider raising your deductible, which can lower your premium.
- Maintain a clean driving record and avoid accidents and traffic violations.
- Bundle your auto insurance with other policies, such as home insurance, to potentially qualify for discounts.
- Inquire about available discounts, such as those for safe driving, low mileage, or being a student with good grades.
What factors affect the cost of auto insurance in Madison, IN?
Here are the six factors that can impact the cost of auto insurance in Madison, IN, including:
- Your driving record
- Vehicle type
- Coverage and deductibles
- Age and gender
- Credit history
- Location
Does the type of coverage I choose affect the cost of auto insurance in Madison, IN?
Yes, the type of coverage you select can impact the cost of your auto insurance in Madison, IN. Four different coverage options include:
- liability insurance
- collision insurance
- comprehensive insurance
- uninsured/underinsured motorist coverage
Generally, liability-only coverage tends to be less expensive compared to full coverage options, but it offers limited protection. It’s important to assess your individual needs and consult with an insurance agent to determine the right balance between coverage and affordability.
Can my credit history affect my auto insurance rates in Madison, IN?
Yes, your credit history can potentially affect your auto insurance rates in Madison, IN. Insurance companies may use credit-based insurance scores as one of the factors to determine premiums. Individuals with good credit history may be eligible for lower rates, while those with poor credit history may face higher premiums. However, not all states allow the use of credit history in insurance pricing, and regulations regarding this factor can vary.
Are there any discounts available to lower the cost of auto insurance in Madison, IN?
Yes, insurance providers often offer various discounts to help lower the cost of auto insurance in Madison, IN. Six common discounts include:
- Safe driver discounts
- Multi-policy discounts
- Good student discounts
- Low mileage discounts
- Anti-theft device discounts
- Defensive driving course discounts
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.