- Average Madison car insurance cost is $2,004 per year for a full coverage policy. Average cost per month is approximately $167.
- Car insurance rates for a few popular models in Madison include the Subaru Outback at $1,708 per year, Honda CR-V at $1,710, and Mazda CX-5 at $1,634.
- 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 $1,766 per year, Subaru Crosstrek at $1,482 per year, Nissan Titan at $1,876 per year, and Toyota GR Corolla at $1,742 per year.
How much does car insurance cost in Madison?
The average car insurance cost in Madison is $2,004 per year, or approximately $167 per month for full coverage. It costs 10.3% less to insure the average vehicle in Madison, Wisconsin, than the U.S. overall average rate of $2,221.
In the state of Wisconsin, the average cost to insure a vehicle is $1,978 per year, so the cost in Madison averages $26 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 $274 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 – $7,140 per year or $595 per month
- 17-year-old rated driver – $6,918 per year or $577 per month
- 18-year-old rated driver – $6,198 per year or $517 per month
- 19-year-old rated driver – $5,645 per year or $470 per month
- 20-year-old rated driver – $4,032 per year or $336 per month
- 30-year-old rated driver – $2,138 per year or $178 per month
- 40-year-old rated driver – $2,004 per year or $167 per month
- 50-year-old rated driver – $1,776 per year or $148 per month
- 60-year-old rated driver – $1,666 per year or $139 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 $1,668 per year for a 40-year-old driver who qualifies for a great discount rate to $4,612 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 $2,004 per year in Madison.
As a monthly rate, the average cost to insure a vehicle in Madison ranges from $139 to $384 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 $1,626 or less per year ($136 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, Honda CR-V, 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 $1,746 or less per year, or about $146 per month in Madison.
The table below ranks the cheapest vehicles to insure in Madison, ordered by cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,482 | $124 |
| 2 | Chevrolet Trailblazer | $1,508 | $126 |
| 3 | Kia Soul | $1,566 | $131 |
| 4 | Nissan Kicks | $1,582 | $132 |
| 5 | Honda Passport | $1,598 | $133 |
| 6 | Buick Envision | $1,606 | $134 |
| 7 | Toyota Corolla Cross | $1,616 | $135 |
| 8 | Hyundai Venue | $1,626 | $136 |
| 9 | Mazda CX-5 | $1,634 | $136 |
| 10 | Ford Bronco Sport | $1,644 | $137 |
| 11 | Volkswagen Tiguan | $1,658 | $138 |
| 12 | Acura RDX | $1,676 | $140 |
| 13 | Nissan Murano | $1,686 | $141 |
| 14 | Buick Encore | $1,704 | $142 |
| 15 | Subaru Outback | $1,708 | $142 |
| 16 | Honda CR-V | $1,710 | $143 |
| 17 | Buick Envista | $1,714 | $143 |
| 18 | Volkswagen Taos | $1,718 | $143 |
| 19 | Kia Niro | $1,728 | $144 |
| 20 | Toyota GR Corolla | $1,742 | $145 |
| 21 | Honda HR-V | $1,746 | $146 |
| 22 | Subaru Ascent | $1,746 | $146 |
| 23 | Nissan Leaf | $1,756 | $146 |
| 24 | Chevrolet Colorado | $1,766 | $147 |
| 25 | Lexus NX 250 | $1,774 | $148 |
| 26 | Honda Civic | $1,776 | $148 |
| 27 | Volkswagen Atlas | $1,778 | $148 |
| 28 | Acura Integra | $1,782 | $149 |
| 29 | Subaru Forester | $1,784 | $149 |
| 30 | Volkswagen Atlas Cross Sport | $1,786 | $149 |
| 31 | Kia Seltos | $1,792 | $149 |
| 32 | GMC Terrain | $1,794 | $150 |
| 33 | Nissan Rogue | $1,800 | $150 |
| 34 | Hyundai Kona | $1,804 | $150 |
| 35 | Mazda CX-30 | $1,808 | $151 |
| 36 | Cadillac XT4 | $1,810 | $151 |
| 37 | Volkswagen ID4 | $1,818 | $152 |
| 38 | Ford Explorer | $1,820 | $152 |
| 39 | Toyota Highlander | $1,824 | $152 |
| 40 | Ford Escape | $1,828 | $152 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 26, 2025
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 $1,482 per year for a full coverage policy up to the Ford Mustang Mach-E at $2,346 per year. Also, in the sports car segment, rates range from the Mazda MX-5 Miata costing $1,856 per year up to the Mercedes-Benz SL 63 at $4,118 per year, a difference of $2,262 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 $1,742 per year. Second place is the Nissan Leaf costing $1,756 per year, and ranking third is the Honda Civic, costing an average of $1,776 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 $1,952 per year or less.
Auto insurance in this segment for a middle-age safe driver can cost as low as $145 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 $145 per month and ending with the Mazda 3 at $173 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,742 | $145 |
| Nissan Leaf | Compact | $1,756 | $146 |
| Honda Civic | Compact | $1,776 | $148 |
| Nissan Sentra | Compact | $1,838 | $153 |
| Subaru Impreza | Compact | $1,842 | $154 |
| Toyota Prius | Compact | $1,874 | $156 |
| Kia K5 | Midsize | $1,930 | $161 |
| Honda Accord | Midsize | $1,938 | $162 |
| Chevrolet Malibu | Midsize | $1,944 | $162 |
| Toyota Corolla | Compact | $1,952 | $163 |
| Kia Forte | Compact | $1,958 | $163 |
| Volkswagen Arteon | Midsize | $1,970 | $164 |
| Nissan Versa | Compact | $1,974 | $165 |
| Subaru Legacy | Midsize | $1,978 | $165 |
| Hyundai Ioniq 6 | Midsize | $1,996 | $166 |
| Mitsubishi Mirage G4 | Compact | $2,024 | $169 |
| Volkswagen Jetta | Compact | $2,028 | $169 |
| Toyota Crown | Midsize | $2,030 | $169 |
| Hyundai Sonata | Midsize | $2,032 | $169 |
| Mazda 3 | Compact | $2,072 | $173 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 26, 2025
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 $1,482 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 $1,644 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 $1,644 and $1,746 per year for auto insurance.
Auto insurance rates in this segment can cost as low as $124 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 $124 per month and ending with the Subaru Ascent at $146 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,482 | $124 |
| Chevrolet Trailblazer | Compact | $1,508 | $126 |
| Kia Soul | Compact | $1,566 | $131 |
| Nissan Kicks | Compact | $1,582 | $132 |
| Honda Passport | Midsize | $1,598 | $133 |
| Buick Envision | Compact | $1,606 | $134 |
| Toyota Corolla Cross | Compact | $1,616 | $135 |
| Hyundai Venue | Compact | $1,626 | $136 |
| Mazda CX-5 | Compact | $1,634 | $136 |
| Ford Bronco Sport | Compact | $1,644 | $137 |
| Volkswagen Tiguan | Compact | $1,658 | $138 |
| Nissan Murano | Midsize | $1,686 | $141 |
| Buick Encore | Compact | $1,704 | $142 |
| Subaru Outback | Midsize | $1,708 | $142 |
| Honda CR-V | Compact | $1,710 | $143 |
| Buick Envista | Midsize | $1,714 | $143 |
| Volkswagen Taos | Compact | $1,718 | $143 |
| Kia Niro | Compact | $1,728 | $144 |
| Honda HR-V | Compact | $1,746 | $146 |
| Subaru Ascent | Midsize | $1,746 | $146 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 26, 2025
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 $1,766 per year. Second place is the Nissan Titan at $1,876 per year, coming in third is the Nissan Frontier, at an average of $1,898 per year, and fourth place goes to the Ford Ranger, at an average of $1,916 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 $2,062 per year or less.
Full-coverage insurance in Madison for this segment for a middle-age safe driver starts at around $147 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 $1,766 per year and ending with the Ram Truck at $2,318 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,766 | $147 |
| Nissan Titan | Full-size | $1,876 | $156 |
| Nissan Frontier | Midsize | $1,898 | $158 |
| Ford Ranger | Midsize | $1,916 | $160 |
| Ford Maverick | Midsize | $1,944 | $162 |
| Honda Ridgeline | Midsize | $1,988 | $166 |
| Hyundai Santa Cruz | Midsize | $2,022 | $169 |
| Toyota Tacoma | Midsize | $2,030 | $169 |
| GMC Sierra 2500 HD | Heavy Duty | $2,038 | $170 |
| GMC Canyon | Midsize | $2,062 | $172 |
| Jeep Gladiator | Midsize | $2,112 | $176 |
| GMC Sierra 3500 | Heavy Duty | $2,124 | $177 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,144 | $179 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,202 | $184 |
| GMC Sierra | Full-size | $2,214 | $185 |
| Chevrolet Silverado | Full-size | $2,216 | $185 |
| Nissan Titan XD | Heavy Duty | $2,216 | $185 |
| Ford F150 | Full-size | $2,246 | $187 |
| GMC Hummer EV Pickup | Full-size | $2,298 | $192 |
| Ram Truck | Full-size | $2,318 | $193 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 27, 2025
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 $2,076 or less per year, or around $173 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 $2,108 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 $2,108 and $2,248 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 $149 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 $1,782 per year and ending with the Audi S3 at $2,248 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,782 | $149 |
| BMW 330i | Compact | $2,042 | $170 |
| Mercedes-Benz CLA250 | Midsize | $2,064 | $172 |
| Lexus IS 300 | Midsize | $2,068 | $172 |
| Acura TLX | Compact | $2,076 | $173 |
| Lexus ES 350 | Midsize | $2,094 | $175 |
| Cadillac CT4 | Compact | $2,096 | $175 |
| Genesis G70 | Compact | $2,100 | $175 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,102 | $175 |
| Lexus RC 300 | Midsize | $2,108 | $176 |
| Lexus IS 350 | Compact | $2,116 | $176 |
| Jaguar XF | Midsize | $2,122 | $177 |
| Cadillac CT5 | Midsize | $2,160 | $180 |
| Lexus ES 250 | Midsize | $2,170 | $181 |
| Lexus RC 350 | Compact | $2,176 | $181 |
| BMW 330e | Compact | $2,178 | $182 |
| BMW 228i | Compact | $2,180 | $182 |
| BMW 230i | Compact | $2,198 | $183 |
| Lexus ES 300h | Midsize | $2,202 | $184 |
| Audi S3 | Compact | $2,248 | $187 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 26, 2025
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 $1,676 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 $1,934 per year or less.
Additional 2024 luxury models on the list include the Acura MDX, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Lexus RX 350, which average between $1,934 and $2,014 per year to insure in Madison.
Car insurance in this segment for a middle-age safe driver starts at an average of $140 per month, depending on your location and insurance company.
The most affordable small luxury SUV to insure in Madison is the Acura RDX at $1,676 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,874 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,248 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 $1,676 per year ($140 per month) and ending with the Lexus RX 350 at $2,014 per year ($168 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,676 | $140 |
| Lexus NX 250 | Compact | $1,774 | $148 |
| Cadillac XT4 | Compact | $1,810 | $151 |
| Jaguar E-Pace | Midsize | $1,874 | $156 |
| Cadillac XT5 | Midsize | $1,892 | $158 |
| Lexus NX 350h | Compact | $1,892 | $158 |
| Lincoln Corsair | Compact | $1,916 | $160 |
| Mercedes-Benz GLB 250 | Compact | $1,920 | $160 |
| Lexus UX 250h | Compact | $1,922 | $160 |
| Lexus NX 450h | Compact | $1,934 | $161 |
| Infiniti QX50 | Midsize | $1,948 | $162 |
| Mercedes-Benz GLA250 | Compact | $1,956 | $163 |
| Cadillac XT6 | Midsize | $1,962 | $164 |
| Mercedes-Benz GLA35 AMG | Compact | $1,962 | $164 |
| Infiniti QX60 | Midsize | $1,972 | $164 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,976 | $165 |
| Land Rover Evoque | Compact | $2,002 | $167 |
| Acura MDX | Midsize | $2,004 | $167 |
| Lexus NX 350 | Compact | $2,010 | $168 |
| Lexus RX 350 | Midsize | $2,014 | $168 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 27, 2025
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 $1,856 per year, the Toyota GR86 at $2,114 per year, and the Ford Mustang at $2,204 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 $2,396 per year or less.
Full-coverage insurance for this segment in Madison for the average driver will start around $155 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 $155 per month and ending with the Porsche Taycan at $283 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,856 | $155 |
| Toyota GR86 | Sports Car | $2,114 | $176 |
| Ford Mustang | Sports Car | $2,204 | $184 |
| BMW Z4 | Sports Car | $2,214 | $185 |
| Subaru WRX | Sports Car | $2,250 | $188 |
| Toyota GR Supra | Sports Car | $2,254 | $188 |
| BMW M2 | Sports Car | $2,320 | $193 |
| Nissan Z | Sports Car | $2,324 | $194 |
| Lexus RC F | Sports Car | $2,370 | $198 |
| Subaru BRZ | Sports Car | $2,396 | $200 |
| BMW M3 | Sports Car | $2,532 | $211 |
| Porsche 718 | Sports Car | $2,584 | $215 |
| Chevrolet Camaro | Sports Car | $2,606 | $217 |
| Chevrolet Corvette | Sports Car | $2,778 | $232 |
| Porsche 911 | Sports Car | $2,872 | $239 |
| BMW M4 | Sports Car | $2,992 | $249 |
| Lexus LC 500 | Sports Car | $3,008 | $251 |
| Jaguar F-Type | Sports Car | $3,164 | $264 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,320 | $277 |
| Porsche Taycan | Sports Car | $3,396 | $283 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Madison, WI Zip Codes. Updated June 26, 2025
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 $2,318 per year (about $193 per month) and varies from $1,922 to $5,340 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 $1,800 per year, or around $150 per month, and varies from $1,498 to $4,118.
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 $1,952 per year, or about $163 per month, and ranges from $1,620 to $4,512.
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 $374 per year for a 40-year-old driver and $724 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 $60 and $195 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 $315 per year over a rating of 670-739. Conversely, a subpar credit score could cost around $365 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 $336 per year on the cost of auto insurance