Buy Cheap Madison, IN Auto Insurance (2021)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • 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.

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