Car Insurance Cost in Madison, WI – 2025 Rates + Cheapest Rankings

• Average Madison car insurance cost is $2,050 per year for a full coverage policy. Average cost per month is approximately $171.
• Car insurance rates for a few popular models in Madison include the Subaru Outback at $1,746 per year, Honda CR-V at $1,746, and Mazda CX-5 at $1,672.
• Crossover vehicles like the Chevrolet Trailblazer, Mazda CX-5, and Subaru Crosstrek are the top picks for cheap car insurance in Madison.
• Vehicles with segment-leading car insurance rates include the Chevrolet Colorado at $1,806 per year, Subaru Crosstrek at $1,514 per year, Nissan Titan at $1,918 per year, and Toyota GR Corolla at $1,780 per year.

How much does car insurance cost in Madison?

The average car insurance cost in Madison is $2,050 per year, or approximately $171 per month for full coverage. It costs 10.4% less to insure the average vehicle in Madison, Wisconsin, than the U.S. overall average rate of $2,276.

In the state of Wisconsin, the average cost to insure a vehicle is $2,022 per year, so the cost in Madison averages $28 more per year. The average cost to insure a vehicle in Madison compared to other Wisconsin locations is $66 per year less than in Kenosha, $160 per year more than in Green Bay, and $270 per year cheaper than in Racine.

The age of the rated driver is one of the biggest factors in determining the price of auto insurance. The list below illustrates this point by breaking down average car insurance rates in Madison for driver ages 16 through 60.

Average car insurance cost for Madison, WI, drivers age 16 to 60

• 16-year-old rated driver – $7,295 per year or $608 per month
• 17-year-old rated driver – $7,066 per year or $589 per month
• 18-year-old rated driver – $6,333 per year or $528 per month
• 19-year-old rated driver – $5,767 per year or $481 per month
• 20-year-old rated driver – $4,120 per year or $343 per month
• 30-year-old rated driver – $2,186 per year or $182 per month
• 40-year-old rated driver – $2,050 per year or $171 per month
• 50-year-old rated driver – $1,816 per year or $151 per month
• 60-year-old rated driver – $1,700 per year or $142 per month

The next chart shows examples of average Madison auto insurance cost broken out based on a variety of driver ages, deductibles, and risk profiles. Rates are averaged for all 2024 model year vehicles including luxury vehicles.

Average rates in the prior chart range from $1,700 per year for a 40-year-old driver who qualifies for a great discount rate to $4,714 per year for a 20-year-old driver who is required to buy high-risk auto insurance. The overall average rate we use to compare different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $2,050 per year in Madison.

As a monthly rate, the average cost to insure a vehicle in Madison ranges from $142 to $393 for the same driver ages and deductibles shown in the previous chart.

Car insurance rates can vary considerably and depend on a lot of factors. This amount of variability emphasizes the need to get accurate auto insurance quotes when looking for a cheaper car insurance policy.

The cost to insure Madison drivers’ favorite vehicles

The prior car insurance rates take all 2024 vehicle models and average them, which is practical for making overall comparisons such as the average cost difference between multiple locations. But for more comprehensive auto insurance cost comparisons, the data will be better if we look at the specific vehicle being insured.

If you read farther in this article, we delve deep into rates for many different specific vehicles, but for now, we will just use the more popular vehicles to discover how car insurance rates measure up in Madison.

The next chart breaks down average insurance rates in Madison for some of the more popular models.

Which vehicles have the cheapest car insurance rates?

The vehicles with the most affordable insurance rates in Madison tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Nissan Kicks.

Average car insurance rates for those compact SUVs cost $1,666 or less per year ($139 per month) to have full coverage.

Examples of other models that come in near the top in our auto insurance price comparison are the Acura RDX, Subaru Outback, Buick Envista, and Ford Bronco Sport. Average auto insurance rates are slightly more for those models than the cheapest crossovers and compact SUVs that rank at the top, but they still have an average cost of $1,780 or less per year, or about $148 per month in Madison.

The table below ranks the cheapest vehicles to insure in Madison, ordered by cost.

The table above that contains 40 of the cheapest vehicles to insure in Madison is great if you’re just looking for low rates. Considering the fact that we have over 700 models in our database, only about 6% of vehicles are displayed. Let’s take a different approach and list the cheapest models a more sensible way.

This next article section goes into detail about the different automotive segments and the average cost of car insurance in Madison. The rates shown should give a better idea of the types of vehicles that have the overall most affordable average auto insurance rates. The six sections after the chart break out the models with the most affordable auto insurance for each automotive segment.

Insurance rates by automotive segment

When shopping for a new or used vehicle, it is useful to know which types of vehicles have better car insurance rates. For instance, many people wonder if midsize SUVs have cheaper auto insurance than small SUVs or if luxury models cost more to insure than regular vehicles.

The next chart shows average car insurance cost by vehicle segment in Madison. As a general rule, compact SUVs, vans, and midsize pickups have the most affordable average auto insurance rates, with luxury, performance, and sports cars having the most expensive rates.

Average rates by segment are practical for getting an initial comparison, but cost ranges quite a lot within each automotive segment shown above.

For example, in the small SUV segment, average Madison insurance rates range from the Subaru Crosstrek costing $1,514 per year for a full coverage policy up to the Ford Mustang Mach-E at $2,396 per year. Also, in the sports car segment, rates range from the Mazda MX-5 Miata costing $1,894 per year up to the Mercedes-Benz SL 63 at $4,208 per year, a difference of $2,314 within that segment.

In the next sections of the article, we eliminate much of the variability by looking at car insurance cost in Madison from the perspective of the vehicle model.

Cheapest car insurance rates in Madison, WI

The top-ranked vehicle in Madison for cheapest average insurance in the non-luxury car segment is the Toyota GR Corolla, with an average cost of $1,780 per year. Second place is the Nissan Leaf costing $1,794 per year, and ranking third is the Honda Civic, costing an average of $1,814 per year.

Not the cheapest, but still very affordable, are cars like the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Kia K5, with average annual insurance rates of $1,998 per year or less.

Auto insurance in this segment for a middle-age safe driver can cost as low as $148 per month, depending on the company and your location.

The table below ranks the twenty cars with the most affordable average auto insurance rates in Madison, starting with the Toyota GR Corolla at $148 per month and ending with the Mazda 3 at $177 per month.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Madison car insurance quotes from top-rated auto insurance companies in Wisconsin.

Cheapest SUV insurance rates in Madison, Wisconsin

The Subaru Crosstrek takes the #1 ranking as the cheapest SUV to insure in Madison, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $1,514 per year for full-coverage insurance.

Not the cheapest to insure, but still ranked well, are models like the Mazda CX-5, Buick Envision, Toyota Corolla Cross, and Hyundai Venue, with average insurance cost of $1,676 per year or less.

Additional SUVs that made the list include the Kia Niro, Buick Encore, Honda HR-V, and Subaru Ascent, which cost between $1,676 and $1,782 per year for auto insurance.

Auto insurance rates in this segment can cost as low as $126 per month, depending on the company and where you live.

The table below ranks the twenty SUVs with the lowest-cost car insurance in Madison, starting with the Subaru Crosstrek at $126 per month and ending with the Subaru Ascent at $149 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Madison car insurance quotes from top-rated auto insurance companies in Wisconsin.

Cheapest pickup trucks to insure in Madison

Taking the top spot in Madison for cheapest auto insurance rates in the pickup segment is the Chevrolet Colorado, at $1,806 per year. Second place is the Nissan Titan at $1,918 per year, coming in third is the Nissan Frontier, at an average of $1,936 per year, and fourth place goes to the Ford Ranger, at an average of $1,956 per year.

Other models that have affordable average insurance rates include the Toyota Tacoma, Honda Ridgeline, GMC Canyon, and GMC Sierra 2500 HD, with an average cost to insure of $2,108 per year or less.

Full-coverage insurance in Madison for this segment for a middle-age safe driver starts at around $151 per month, depending on the company and your location.

The comparison table below ranks the twenty pickups with the cheapest average auto insurance rates in Madison, starting with the Chevrolet Colorado at $1,806 per year and ending with the Ram Truck at $2,368 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Wisconsin.

Cheapest luxury car insurance rates in Madison, WI

Ranking at the top of the list for the cheapest Madison car insurance rates in the luxury car segment are the Acura TLX, BMW 330i, Acura Integra, Mercedes-Benz CLA250, and Lexus IS 300. Auto insurance rates for these models average $2,120 or less per year, or around $177 per month.

Not the cheapest luxury cars to insure, but still affordable, are luxury cars like the Mercedes-Benz AMG CLA35, Genesis G70, Lexus RC 300, and Lexus ES 350, with average cost of $2,152 per year or less.

Ranking between positions 10 and 20, models like the BMW 230i, BMW 330e, Lexus ES 300h, Jaguar XF, BMW 228i, and Cadillac CT5 cost between $2,152 and $2,296 per year for auto insurance in Madison.

As a cost per month, full-coverage car insurance in Madison on this segment for a good driver will start around $152 per month, depending on your company and location.

The comparison table below ranks the luxury cars with the cheapest car insurance rates in Madison, starting with the Acura Integra at $1,822 per year and ending with the Audi S3 at $2,296 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Madison car insurance quotes from top-rated companies in Wisconsin.

Cheapest luxury SUV insurance rates in Madison, WI

The Acura RDX ranks #1 as the most affordable luxury SUV model to insure in Madison, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model costs an average of $1,714 per year for a full-coverage insurance policy.

Additional luxury SUVs that have cheaper rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 350h, with average cost of $1,974 per year or less.

Additional 2024 luxury models on the list include the Land Rover Evoque, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Lexus RX 350, which average between $1,974 and $2,056 per year to insure in Madison.

Car insurance in this segment for a middle-age safe driver starts at an average of $143 per month, depending on your location and insurance company.

The most affordable small luxury SUV to insure in Madison is the Acura RDX at $1,714 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,916 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,296 per year.

The comparison table below ranks the twenty SUVs with the most affordable average car insurance rates in Madison, starting with the Acura RDX at $1,714 per year ($143 per month) and ending with the Lexus RX 350 at $2,056 per year ($171 per month).

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Madison car insurance quotes from the best auto insurance companies in Wisconsin.

Cheapest sports cars to insure in Madison, WI

The top three sports cars with the cheapest car insurance in Madison are the Mazda MX-5 Miata at $1,894 per year, the Toyota GR86 at $2,158 per year, and the Ford Mustang at $2,252 per year.

Also ranking well in our comparison are models like the Lexus RC F, Subaru BRZ, Nissan Z, and Toyota GR Supra, with average annual insurance rates of $2,450 per year or less.

Full-coverage insurance for this segment in Madison for the average driver will start around $158 per month, depending on the company and where you live. The comparison table below ranks the twenty sports cars with the lowest-cost average insurance rates in Madison, starting with the Mazda MX-5 Miata at $158 per month and ending with the Porsche Taycan at $289 per month.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Madison.

Madison car insurance price variability

In order to reinforce the amount the cost of car insurance can fluctuate from one person to the next (and also emphasize the importance of accurate price quotes), the sections below present comprehensive car insurance rates for three popular vehicles in Madison: the Ram Truck, Nissan Rogue, and Honda Pilot.

Each illustration uses a range of risk profiles to illustrate the price fluctuation based on driver risk and policy deductibles.

Ram Truck insurance rates

Ram Truck insurance in Madison averages $2,368 per year (about $197 per month) and varies from $1,962 to $5,458 per year.

The Ram Truck is considered a full-size truck, and other similar models that are popular in Madison, Wisconsin, include the Toyota Tundra, Chevrolet Silverado, Ford F150, and GMC Sierra.

Nissan Rogue insurance rates

Nissan Rogue insurance in Madison averages $1,840 per year, or around $153 per month, and varies from $1,530 to $4,210.

The Nissan Rogue is classified as a compact SUV, and other similar models from the same segment include the Ford Escape, Chevrolet Equinox, Toyota RAV4, and Honda CR-V.

Honda Pilot insurance rates

In Madison, Honda Pilot insurance averages $1,994 per year, or about $166 per month, and ranges from $1,658 to $4,610.

The Honda Pilot is considered a midsize SUV, and other top-selling models from the same segment include the Ford Explorer, Kia Sorento, and Jeep Grand Cherokee.

Tips for finding cheaper Madison auto insurance

Madison drivers should always be searching for ways to save money on car insurance, so study the tips in this next list and it’s very possible you can save a few bucks on your next policy purchase.

• Don’t file small claims. Car insurance companies offer discounts if you have not filed any claims. Car insurance should only be used in the case of large financial hits, not for minor claims that can easily be paid out-of-pocket.
• Auto insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Remove unneeded coverage on older vehicles. Removing comprehensive and/or collision coverage from vehicles whose low value makes coverage cost prohibitive can cut the cost of auto insurance considerably.
• Your occupation could reduce your rates. The large majority of insurance companies offer discounts for working in professions like emergency medical technicians, college professors, scientists, doctors, engineers, high school and elementary teachers, and others. If you qualify, you may save between $62 and $199 on your yearly auto insurance cost, depending on the coverage levels.
• Cheaper rates come with better credit scores. Having an excellent credit score over 800 could save $322 per year over a rating of 670-739. Conversely, a subpar credit score could cost around $373 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Earn discounts to save money. Discounted rates may be available if the policyholders are homeowners, insure their home and car with the same company, take a defensive driving course, drive a vehicle with safety or anti-theft features, or many other discounts which could save the average Madison driver as much as $350 per year on the cost of auto insurance