Buy Cheap Madison, TN Auto Insurance (2021)

Madison, TN auto insurance rates average $297 a month. Minimum auto insurance requirements in Madison, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Madison, TN, 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 ...

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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, TN are $297/month
  • The most expensive auto insurance company in Madison after a DUI is Liberty Mutual
  • Average auto insurance rates in Madison, TN for teens drivers are $7,338/year

Finding affordable Madison, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Madison, TN 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, TN car insurance rates compare to Hendersonville auto insurance rates, Clarksville auto insurance rates, and Franklin auto insurance rates before you read more about the cost of auto insurance in Madison.

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

Madison, TN Minimum Auto Insurance Requirements

The required auto insurance in Madison, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Madison, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Madison, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Madison, TN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Madison, Tennessee

Insurance Company Poor Fair Good
Allstate $6,190 $4,743 $3,622
Farmers $4,444 $3,496 $3,308
GEICO $3,690 $3,167 $2,914
Liberty Mutual $9,375 $5,769 $4,510
Nationwide $4,412 $3,509 $3,109
Progressive $5,073 $4,408 $4,134
State Farm $4,174 $2,503 $1,943
Travelers $3,484 $2,753 $2,005
USAA $4,031 $2,378 $1,966

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

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

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

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 $2,794 $2,680 $2,522 $2,617 $10,607 $11,560 $2,968 $3,064
Farmers $1,944 $1,981 $1,741 $1,922 $8,196 $8,781 $2,651 $2,779
GEICO $2,123 $2,137 $1,949 $1,949 $6,695 $6,790 $2,172 $2,243
Nationwide $2,331 $2,348 $2,089 $2,119 $6,521 $8,403 $2,688 $2,914
Progressive $2,259 $2,113 $1,848 $1,935 $10,567 $11,885 $2,724 $2,976
State Farm $1,717 $1,717 $1,563 $1,563 $5,431 $6,788 $1,946 $2,260
Travelers $1,748 $1,838 $1,605 $1,706 $5,018 $6,255 $1,857 $1,953
USAA $1,557 $1,580 $1,411 $1,407 $5,670 $6,508 $2,042 $2,160

Buy Cheap Madison, TN 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, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Madison, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,607 $11,560
Farmers $8,196 $8,781
GEICO $6,695 $6,790
Nationwide $6,521 $8,403
Progressive $10,567 $11,885
State Farm $5,431 $6,788
Travelers $5,018 $6,255
USAA $5,670 $6,508

Buy Cheap Madison, TN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Madison, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,522 $2,617
Farmers $1,741 $1,922
GEICO $1,949 $1,949
Nationwide $2,089 $2,119
Progressive $1,848 $1,935
State Farm $1,563 $1,563
Travelers $1,605 $1,706
USAA $1,411 $1,407

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

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

Annual Auto Insurance Rates by Coverage Level in Madison, Tennessee

Insurance Company Low Medium High
Allstate $4,667 $4,838 $5,050
Farmers $3,525 $3,733 $3,991
GEICO $3,083 $3,250 $3,438
Liberty Mutual $6,278 $6,554 $6,822
Nationwide $3,701 $3,599 $3,730
Progressive $4,218 $4,542 $4,855
State Farm $2,689 $2,889 $3,041
Travelers $2,574 $2,745 $2,923
USAA $2,694 $2,781 $2,900

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

Annual Auto Insurance Rates by Commute Length in Madison, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,852 $4,852
Farmers $3,749 $3,749
GEICO $3,233 $3,281
Liberty Mutual $6,552 $6,552
Nationwide $3,677 $3,677
Progressive $4,538 $4,538
State Farm $2,803 $2,944
Travelers $2,640 $2,855
USAA $2,714 $2,870

Find Cheap Madison, TN Auto Insurance Rates by Driving Record

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

Annual Madison, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,057 $4,841 $5,861 $4,647
Farmers $3,214 $3,949 $4,053 $3,781
GEICO $2,384 $3,174 $5,085 $2,384
Liberty Mutual $5,307 $7,670 $7,127 $6,103
Nationwide $3,179 $3,179 $4,782 $3,566
Progressive $3,990 $5,212 $4,251 $4,700
State Farm $2,608 $3,139 $2,873 $2,873
Travelers $2,227 $2,863 $3,163 $2,736
USAA $2,025 $3,051 $3,574 $2,517

Find Cheap Madison, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Madison, Tennessee 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, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Madison, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,861
Farmers $4,053
GEICO $5,085
Liberty Mutual $7,127
Nationwide $4,782
Progressive $4,251
State Farm $2,873
Travelers $3,163
USAA $3,574

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

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

Best Annual Auto Insurance Rates by Company in Madison, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Madison, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Madison, Tennessee

Insurance Company Average Annual Rates
Allstate $4,852
Farmers $3,749
GEICO $3,257
Nationwide $3,677
Progressive $4,538
State Farm $2,873
Travelers $2,747
USAA $2,792

What affects Madison, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Madison, TN, 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, TN is 21.4 minutes according to City-Data.

Traffic in Madison

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

Compare Auto Insurance Quotes in Madison, TN

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

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