Buy Cheap Madison, OH Auto Insurance (2021)

Madison, OH auto insurance rates average $224 a month. Minimum auto insurance requirements in Madison, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Madison, OH, 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, OH after a DUI are $3,125/year
  • The most expensive auto insurance company in Madison is Liberty Mutual
  • The most expensive auto insurance company in Madison after a DUI is Liberty Mutual

Finding affordable Madison, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Madison, OH 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, OH car insurance rates compare to Dayton auto insurance rates, Parma auto insurance rates, and Canton auto insurance rates before you read more about the cost of auto insurance in Madison.

Don’t buy Madison, OH auto insurance until you’ve compared rates. Get free Madison, Ohio auto insurance quotes when you enter your ZIP code above.

Madison, OH Minimum Auto Insurance Requirements

The required auto insurance in Madison, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Madison, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Madison, Ohio

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, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Madison, OH. Take a look at Madison, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Madison, Ohio

Insurance Company Poor Fair Good
Allstate $4,026 $2,937 $2,445
American Family $1,973 $1,343 $1,135
Farmers $3,877 $3,282 $3,124
GEICO $1,999 $1,669 $1,339
Liberty Mutual $5,709 $3,513 $2,754
Nationwide $3,858 $3,108 $2,625
Progressive $3,546 $3,082 $2,886
State Farm $3,383 $2,091 $1,648
Travelers $3,325 $2,896 $2,707
USAA $1,871 $1,326 $1,131

Buy Cheap Madison, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Madison, Ohio auto insurance rates? Find out how car insurance rates in Madison, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Madison, Ohio

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 $2,082 $2,068 $1,886 $2,015 $5,858 $6,696 $2,173 $2,311
American Family $908 $942 $835 $837 $2,898 $3,138 $1,126 $1,185
Farmers $1,792 $1,789 $1,577 $1,667 $8,083 $8,405 $2,011 $2,097
GEICO $1,209 $1,172 $1,136 $1,148 $3,218 $2,990 $1,343 $1,136
Liberty Mutual $1,842 $2,012 $1,413 $1,726 $9,806 $11,075 $1,944 $2,118
Nationwide $2,125 $2,135 $1,920 $1,932 $5,484 $7,058 $2,276 $2,644
Progressive $1,606 $1,503 $1,335 $1,381 $7,358 $8,284 $1,917 $1,987
State Farm $1,404 $1,404 $1,264 $1,264 $4,502 $5,647 $1,634 $1,876
Travelers $1,361 $1,381 $1,359 $1,350 $5,940 $9,386 $1,421 $1,611
USAA $876 $884 $834 $833 $2,690 $2,995 $1,170 $1,259

Buy Cheap Madison, OH 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, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Madison, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,858 $6,696
American Family $2,898 $3,138
Farmers $8,083 $8,405
GEICO $3,218 $2,990
Liberty Mutual $9,806 $11,075
Nationwide $5,484 $7,058
Progressive $7,358 $8,284
State Farm $4,502 $5,647
Travelers $5,940 $9,386
USAA $2,690 $2,995

Buy Cheap Madison, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Madison, Ohio by comparing Madison senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Madison, OH here.

Annual Auto Insurance Rates for Senior Drivers in Madison, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,886 $2,015
American Family $835 $837
Farmers $1,577 $1,667
GEICO $1,136 $1,148
Liberty Mutual $1,413 $1,726
Nationwide $1,920 $1,932
Progressive $1,335 $1,381
State Farm $1,264 $1,264
Travelers $1,359 $1,350
USAA $834 $833

Find Cheap Auto Insurance Rates in Madison, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Madison, Ohio auto insurance. Compare Madison, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Madison, Ohio

Insurance Company Low Medium High
Allstate $3,023 $3,129 $3,256
American Family $1,457 $1,495 $1,499
Farmers $3,239 $3,372 $3,673
GEICO $1,615 $1,662 $1,730
Liberty Mutual $3,820 $4,016 $4,140
Nationwide $3,527 $3,099 $2,965
Progressive $3,036 $3,143 $3,336
State Farm $2,249 $2,382 $2,491
Travelers $2,890 $3,016 $3,022
USAA $1,375 $1,441 $1,511

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Find Cheap Madison, OH 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, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Madison, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,136 $3,136
American Family $1,466 $1,502
Farmers $3,428 $3,428
GEICO $1,640 $1,698
Liberty Mutual $3,992 $3,992
Nationwide $3,197 $3,197
Progressive $3,171 $3,171
State Farm $2,315 $2,434
Travelers $2,976 $2,976
USAA $1,387 $1,498

Find Cheap Madison, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Madison, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Madison, OH, take a look at the average cost for various violations versus rates for a clean driving record in Madison.

Annual Madison, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,624 $3,185 $3,756 $2,979
American Family $1,421 $1,504 $1,504 $1,504
Farmers $2,825 $3,642 $3,552 $3,692
GEICO $1,136 $1,634 $2,367 $1,540
Liberty Mutual $3,347 $4,315 $4,396 $3,910
Nationwide $2,566 $3,258 $4,128 $2,835
Progressive $2,732 $3,728 $2,911 $3,315
State Farm $2,156 $2,593 $2,374 $2,374
Travelers $2,188 $2,857 $4,313 $2,547
USAA $1,107 $1,484 $1,953 $1,227

Find Cheap Madison, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Madison, Ohio 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, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Madison, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,756
American Family $1,504
Farmers $3,552
GEICO $2,367
Liberty Mutual $4,396
Nationwide $4,128
Progressive $2,911
State Farm $2,374
Travelers $4,313
USAA $1,953

Winners by Category: Where to Buy Cheap Auto Insurance in Madison, OH

Compare rates from the cheapest auto insurance companies in Madison, OH for your needs. Take a look at how Madison, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Madison, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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Find Cheap Madison, Ohio Auto Insurance Companies

If you’re looking for the cheapest Madison, OH auto insurance companies overall, you can compare them here. Find the best price for Madison, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Madison, Ohio

Insurance Company Average Annual Rates
Allstate $3,136
American Family $1,484
Farmers $3,428
GEICO $1,669
Liberty Mutual $3,992
Nationwide $3,197
Progressive $3,171
State Farm $2,374
Travelers $2,976
USAA $1,443

What affects Madison, Ohio auto insurance rates?

Local factors affect auto insurance rates in Madison, OH, 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, OH is 26.4 minutes according to City-Data.

Traffic in Madison

How is traffic in Madison, Ohio? Inrix data shows that Madison, OH traffic makes it the 798th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Madison, OH

You can buy cheap Madison, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Madison, Ohio auto insurance quotes from top companies.

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