Madison, AL Auto Insurance (2024)
The average Madison, AL auto insurance rates are $294 per month. The minimum auto insurance in Madison is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Madison, Alabama, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jun 22, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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, AL for senior drivers are $1,857 per year
- The most expensive auto insurance company in Madison for teen drivers is Liberty Mutual
- The minimum auto insurance required in Madison, Alabama is 25/50/25
Madison, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Madison can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Madison, Alabama, including driving record, credit, commute time, and more.
Compare auto insurance in Madison to other Alabama cities, including Birmingham auto insurance rates, Mobile auto insurance rates, and Montgomery auto insurance rates to see how Madison, Alabama auto insurance rates stack up.
Before you buy Madison, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Madison, Alabama auto insurance quotes.
Minimum Auto Insurance in Madison, Alabama
Madison, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Madison, Alabama.
| 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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Cheap Madison, Alabama Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Madison, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $1,928 | $1,837 | $1,752 | $1,785 | $6,748 | $7,264 | $2,144 | $2,185 |
| Farmers | $2,240 | $2,221 | $2,000 | $2,128 | $8,801 | $9,055 | $2,541 | $2,630 |
| Geico | $1,841 | $1,833 | $1,775 | $1,851 | $4,914 | $4,785 | $1,944 | $1,783 |
| Liberty Mutual | $2,854 | $3,079 | $2,344 | $2,620 | $10,640 | $11,823 | $3,027 | $3,210 |
| Nationwide | $1,768 | $1,788 | $1,613 | $1,667 | $4,728 | $6,073 | $1,966 | $2,195 |
| Progressive | $2,322 | $2,164 | $1,914 | $2,042 | $9,866 | $10,990 | $2,717 | $2,891 |
| State Farm | $2,811 | $2,811 | $2,568 | $2,568 | $8,800 | $11,003 | $3,182 | $3,671 |
| Travelers | $1,312 | $1,330 | $1,240 | $1,235 | $7,159 | $11,278 | $1,245 | $1,404 |
| USAA | $1,257 | $1,270 | $1,175 | $1,144 | $3,769 | $4,167 | $1,630 | $1,753 |
Cheap Madison, Alabama Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Madison, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Madison, Alabama.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,748 | $7,264 |
| Farmers | $8,801 | $9,055 |
| Geico | $4,914 | $4,785 |
| Liberty Mutual | $10,640 | $11,823 |
| Nationwide | $4,728 | $6,073 |
| Progressive | $9,866 | $10,990 |
| State Farm | $8,800 | $11,003 |
| Travelers | $7,159 | $11,278 |
| USAA | $3,769 | $4,167 |
Cheap Madison, Alabama Auto Insurance for Seniors
What are senior auto insurance rates in Madison, Alabama? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,752 | $1,785 |
| Farmers | $2,000 | $2,128 |
| Geico | $1,775 | $1,851 |
| Liberty Mutual | $2,344 | $2,620 |
| Nationwide | $1,613 | $1,667 |
| Progressive | $1,914 | $2,042 |
| State Farm | $2,568 | $2,568 |
| Travelers | $1,240 | $1,235 |
| USAA | $1,175 | $1,144 |
Cheap Madison, Alabama Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Madison, Alabama compared to the annual auto insurance rates with a clean record in Madison, Alabama.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,725 | $3,211 | $3,807 | $3,078 |
| Farmers | $3,324 | $4,308 | $4,202 | $3,975 |
| Geico | $1,736 | $2,818 | $3,506 | $2,303 |
| Liberty Mutual | $3,881 | $5,412 | $5,277 | $5,228 |
| Nationwide | $2,386 | $2,386 | $3,466 | $2,661 |
| Progressive | $3,926 | $4,967 | $4,257 | $4,303 |
| State Farm | $4,201 | $5,258 | $4,624 | $4,624 |
| Travelers | $2,730 | $2,862 | $4,196 | $3,314 |
| USAA | $1,555 | $1,955 | $2,890 | $1,682 |
Cheap Madison, Alabama Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Madison, Alabama is not easy. Compare the annual rates for DUI auto insurance in Madison, Alabama to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,807 |
| Farmers | $4,202 |
| Geico | $3,506 |
| Liberty Mutual | $5,277 |
| Nationwide | $3,466 |
| Progressive | $4,257 |
| State Farm | $4,624 |
| Travelers | $4,196 |
| USAA | $2,890 |
Cheap Madison, Alabama Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Madison, Alabama annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,959 | $3,113 | $2,544 |
| Farmers | $4,423 | $3,817 | $3,617 |
| Geico | $3,293 | $2,351 | $2,128 |
| Liberty Mutual | $7,068 | $4,359 | $3,422 |
| Nationwide | $3,286 | $2,566 | $2,323 |
| Progressive | $4,901 | $4,229 | $3,961 |
| State Farm | $7,580 | $3,840 | $2,611 |
| Travelers | $3,567 | $3,100 | $3,159 |
| USAA | $2,710 | $1,770 | $1,582 |
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Cheap Madison, Alabama Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Madison, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Madison, Alabama to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 35756 | $3,638 |
| 35757 | $3,653 |
| 35758 | $3,602 |
Cheap Madison, Alabama Auto Insurance Rates By Commute
Commute length and annual mileage affect Madison, Alabama auto insurance. Find the cheapest annual Madison, Alabama auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,205 | $3,205 |
| Farmers | $3,952 | $3,952 |
| Geico | $2,546 | $2,635 |
| Liberty Mutual | $4,950 | $4,950 |
| Nationwide | $2,725 | $2,725 |
| Progressive | $4,363 | $4,363 |
| State Farm | $4,562 | $4,792 |
| Travelers | $3,275 | $3,275 |
| USAA | $1,928 | $2,113 |
Cheap Madison, Alabama Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Madison, Alabama? Check out the comparison of annual Madison, Alabama auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,084 | $3,199 | $3,332 |
| Farmers | $3,723 | $3,899 | $4,234 |
| Geico | $2,361 | $2,579 | $2,832 |
| Liberty Mutual | $4,716 | $4,926 | $5,207 |
| Nationwide | $2,707 | $2,702 | $2,766 |
| Progressive | $3,899 | $4,343 | $4,848 |
| State Farm | $4,391 | $4,671 | $4,968 |
| Travelers | $3,102 | $3,340 | $3,384 |
| USAA | $1,946 | $2,010 | $2,106 |
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Best By Category: Cheapest Auto Insurance in Madison, Alabama
Compare the cheapest auto insurance companies in Madison, Alabama in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Madison, Alabama Auto Insurance Companies
What auto insurance companies in Madison, Alabama are the cheapest? Compare the top Madison, Alabama auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,205 |
| Farmers | $3,952 |
| Geico | $2,591 |
| Liberty Mutual | $4,950 |
| Nationwide | $2,725 |
| Progressive | $4,363 |
| State Farm | $4,677 |
| Travelers | $3,275 |
| USAA | $2,021 |
What affects auto insurance rates in Madison, Alabama?
There are a lot of reasons why auto insurance rates in Madison, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Madison, Alabama. Many local factors may affect your Madison auto insurance rates.
Madison Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Madison, Alabama commute length is 19.8 minutes according to City-Data.
Madison Traffic
How does Madison, Alabama rank for traffic? According to Inrix Madison, Alabama is the 798th most congested worldwide.
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Compare Madison, Alabama Auto Insurance Quotes
Before you buy Madison, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Madison, Alabama auto insurance quotes.
Frequently Asked Questions
How do I file an auto insurance claim in Madison, AL?
To file an auto insurance claim in Madison, AL, you should contact your insurance provider as soon as possible after an incident. They will guide you through the claims process, which typically involves providing details of the accident or damage, submitting any necessary documentation, and cooperating with any investigations or assessments required to settle the claim.
Can I purchase additional coverage options for my auto insurance in Madison, AL?
Yes, in addition to the required liability coverage, you can purchase additional coverage options for your auto insurance in Madison, AL. Optional coverages may include collision coverage to protect against vehicle damage in a collision, comprehensive coverage for non-collision incidents (such as theft, vandalism, or weather damage), and other add-ons like rental car reimbursement or roadside assistance. Discuss your specific needs with insurance providers to determine the best coverage options for you.
Are there any specific discounts available for auto insurance in Madison, AL?
Yes, there are various discounts available for auto insurance in Madison, AL. Insurance companies often offer discounts for safe driving records, multiple policies (such as bundling auto and homeowners insurance), good student discounts, vehicle safety features, and anti-theft devices. It’s advisable to inquire with insurance providers about the discounts they offer and determine if you qualify for any.
What factors can affect my auto insurance rates in Madison, AL?
Several factors can influence your auto insurance rates in Madison, AL. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
How can I find affordable auto insurance in Madison, AL?
To find affordable auto insurance in Madison, AL, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents or brokers who work with various companies, utilize online comparison tools, or directly visit the websites of insurance providers to obtain quotes. Additionally, consider factors such as your driving record, the type of vehicle you own, available discounts, and your desired coverage limits when seeking affordable options.
What is the minimum auto insurance coverage required in Madison, AL?
In Madison, AL, the minimum auto insurance coverage required is liability coverage. The state mandates that drivers carry at least the following minimum liability limits: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. It’s important to note that these are the minimum requirements, and higher coverage limits may be advisable for greater protection.
What types of auto insurance coverage are available in Madison, AL?
The types of auto insurance coverage available in Madison, AL are similar to those offered in other areas. They typically include liability coverage, which is required by law, as well as optional coverages such as collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and additional add-ons or endorsements based on individual needs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.