- Average Madison car insurance cost is $1,436 per year for a full coverage policy. Average cost per month is approximately $120.
- Car insurance rates for a few popular models in Madison include the Subaru Outback at $1,224 per year, Honda CR-V at $1,226, and Mazda CX-5 at $1,172.
- 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 $1,232 per year, Subaru Crosstrek at $1,062 per year, Nissan Titan at $1,344 per year, and Toyota GR Corolla at $1,248 per year.
How much does car insurance cost in Madison?
The average car insurance cost in Madison is $1,436 per year, or approximately $120 per month for full coverage. It costs 26.9% less to insure the average vehicle in Madison, Wisconsin, than the U.S. overall average rate of $1,883.
In the state of Wisconsin, the average cost to insure a vehicle is $1,412 per year, so the cost in Madison averages $24 more per year. The average cost to insure a vehicle in Madison compared to other Wisconsin locations is $68 per year less than in Kenosha, $160 per year more than in Green Bay, and $276 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 – $5,123 per year or $427 per month
- 17-year-old rated driver – $4,962 per year or $414 per month
- 18-year-old rated driver – $4,446 per year or $371 per month
- 19-year-old rated driver – $4,050 per year or $338 per month
- 20-year-old rated driver – $2,894 per year or $241 per month
- 30-year-old rated driver – $1,534 per year or $128 per month
- 40-year-old rated driver – $1,436 per year or $120 per month
- 50-year-old rated driver – $1,276 per year or $106 per month
- 60-year-old rated driver – $1,194 per year or $100 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 $1,194 per year for a 40-year-old driver who qualifies for a great discount rate to $3,308 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 $1,436 per year in Madison.
As a monthly rate, the average cost to insure a vehicle in Madison ranges from $100 to $276 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 $1,168 or less per year ($97 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 $1,234 or less per year, or about $103 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 | $1,062 | $89 |
| 2 | Chevrolet Trailblazer | $1,082 | $90 |
| 3 | Kia Soul | $1,124 | $94 |
| 4 | Nissan Kicks | $1,134 | $95 |
| 5 | Honda Passport | $1,148 | $96 |
| 6 | Buick Envision | $1,152 | $96 |
| 7 | Toyota Corolla Cross | $1,160 | $97 |
| 8 | Hyundai Venue | $1,168 | $97 |
| 9 | Mazda CX-5 | $1,172 | $98 |
| 10 | Ford Bronco Sport | $1,180 | $98 |
| 11 | Volkswagen Tiguan | $1,190 | $99 |
| 12 | Acura RDX | $1,202 | $100 |
| 13 | Nissan Murano | $1,208 | $101 |
| 14 | Buick Encore | $1,224 | $102 |
| 15 | Subaru Outback | $1,224 | $102 |
| 16 | Honda CR-V | $1,226 | $102 |
| 17 | Buick Envista | $1,228 | $102 |
| 18 | Volkswagen Taos | $1,230 | $103 |
| 19 | Chevrolet Colorado | $1,232 | $103 |
| 20 | Kia Niro | $1,234 | $103 |
| 21 | Toyota GR Corolla | $1,248 | $104 |
| 22 | Honda HR-V | $1,250 | $104 |
| 23 | Subaru Ascent | $1,252 | $104 |
| 24 | Nissan Leaf | $1,258 | $105 |
| 25 | Lexus NX 250 | $1,272 | $106 |
| 26 | Honda Civic | $1,274 | $106 |
| 27 | Volkswagen Atlas | $1,276 | $106 |
| 28 | Acura Integra | $1,280 | $107 |
| 29 | Volkswagen Atlas Cross Sport | $1,280 | $107 |
| 30 | Kia Seltos | $1,282 | $107 |
| 31 | Subaru Forester | $1,282 | $107 |
| 32 | GMC Terrain | $1,288 | $107 |
| 33 | Nissan Rogue | $1,290 | $108 |
| 34 | Hyundai Kona | $1,292 | $108 |
| 35 | Mazda CX-30 | $1,296 | $108 |
| 36 | Cadillac XT4 | $1,300 | $108 |
| 37 | Ford Explorer | $1,306 | $109 |
| 38 | Volkswagen ID4 | $1,306 | $109 |
| 39 | Toyota Highlander | $1,308 | $109 |
| 40 | Ford Escape | $1,310 | $109 |
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 February 23, 2024
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 $1,062 per year for a full coverage policy up to the Ford Mustang Mach-E at $1,680 per year. Also, in the sports car segment, rates range from the Mazda MX-5 Miata costing $1,332 per year up to the Mercedes-Benz SL 63 at $2,956 per year, a difference of $1,624 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 $1,248 per year. Second place is the Nissan Leaf costing $1,258 per year, and ranking third is the Honda Civic, costing an average of $1,274 per year.
Not the cheapest, but still very affordable, are cars like the Chevrolet Malibu, Honda Accord, Kia K5, and Toyota Prius, with average annual insurance rates of $1,396 per year or less.
Auto insurance in this segment for a middle-age safe driver can cost as low as $104 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 $104 per month and ending with the Mazda 3 at $124 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,248 | $104 |
| Nissan Leaf | Compact | $1,258 | $105 |
| Honda Civic | Compact | $1,274 | $106 |
| Subaru Impreza | Compact | $1,318 | $110 |
| Hyundai Ioniq 6 | Midsize | $1,320 | $110 |
| Nissan Sentra | Compact | $1,320 | $110 |
| Toyota Prius | Compact | $1,344 | $112 |
| Kia K5 | Midsize | $1,384 | $115 |
| Honda Accord | Midsize | $1,390 | $116 |
| Chevrolet Malibu | Midsize | $1,396 | $116 |
| Toyota Corolla | Compact | $1,402 | $117 |
| Kia Forte | Compact | $1,406 | $117 |
| Volkswagen Arteon | Midsize | $1,412 | $118 |
| Nissan Versa | Compact | $1,418 | $118 |
| Subaru Legacy | Midsize | $1,418 | $118 |
| Mitsubishi Mirage G4 | Compact | $1,452 | $121 |
| Volkswagen Jetta | Compact | $1,456 | $121 |
| Hyundai Sonata | Midsize | $1,458 | $122 |
| Toyota Crown | Midsize | $1,458 | $122 |
| Mazda 3 | Compact | $1,486 | $124 |
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 February 22, 2024
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 $1,062 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 $1,180 per year or less.
Additional SUVs that made the list include the Kia Niro, Buick Encore, Subaru Ascent, and Honda HR-V, which cost between $1,180 and $1,250 per year for auto insurance.
Auto insurance rates in this segment can cost as low as $89 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 $89 per month and ending with the Honda HR-V at $104 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,062 | $89 |
| Chevrolet Trailblazer | Compact | $1,082 | $90 |
| Kia Soul | Compact | $1,124 | $94 |
| Nissan Kicks | Compact | $1,134 | $95 |
| Honda Passport | Midsize | $1,148 | $96 |
| Buick Envision | Compact | $1,152 | $96 |
| Toyota Corolla Cross | Compact | $1,160 | $97 |
| Hyundai Venue | Compact | $1,168 | $97 |
| Mazda CX-5 | Compact | $1,172 | $98 |
| Ford Bronco Sport | Compact | $1,180 | $98 |
| Volkswagen Tiguan | Compact | $1,190 | $99 |
| Nissan Murano | Midsize | $1,208 | $101 |
| Buick Encore | Compact | $1,224 | $102 |
| Subaru Outback | Midsize | $1,224 | $102 |
| Honda CR-V | Compact | $1,226 | $102 |
| Buick Envista | Midsize | $1,228 | $102 |
| Volkswagen Taos | Compact | $1,230 | $103 |
| Kia Niro | Compact | $1,234 | $103 |
| Honda HR-V | Compact | $1,250 | $104 |
| Subaru Ascent | Midsize | $1,252 | $104 |
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 February 23, 2024
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 $1,232 per year. Second place is the Nissan Titan at $1,344 per year, coming in third is the Nissan Frontier, at an average of $1,360 per year, and fourth place goes to the Ford Ranger, at an average of $1,372 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 $1,478 per year or less.
Full-coverage insurance in Madison for this segment for a middle-age safe driver starts at around $103 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 $1,232 per year and ending with the Ram Truck at $1,666 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,232 | $103 |
| Nissan Titan | Full-size | $1,344 | $112 |
| Nissan Frontier | Midsize | $1,360 | $113 |
| Ford Ranger | Midsize | $1,372 | $114 |
| Ford Maverick | Midsize | $1,392 | $116 |
| Honda Ridgeline | Midsize | $1,424 | $119 |
| Hyundai Santa Cruz | Midsize | $1,450 | $121 |
| Toyota Tacoma | Midsize | $1,456 | $121 |
| GMC Sierra 2500 HD | Heavy Duty | $1,466 | $122 |
| GMC Canyon | Midsize | $1,478 | $123 |
| Jeep Gladiator | Midsize | $1,516 | $126 |
| GMC Sierra 3500 | Heavy Duty | $1,524 | $127 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,536 | $128 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,576 | $131 |
| GMC Sierra | Full-size | $1,586 | $132 |
| Nissan Titan XD | Heavy Duty | $1,588 | $132 |
| Chevrolet Silverado | Full-size | $1,590 | $133 |
| Ford F150 | Full-size | $1,610 | $134 |
| GMC Hummer EV Pickup | Full-size | $1,650 | $138 |
| Ram Truck | Full-size | $1,666 | $139 |
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 February 23, 2024
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 $1,490 or less per year, or around $124 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 $1,514 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 $1,514 and $1,614 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 $107 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 $1,280 per year and ending with the Audi S3 at $1,614 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,280 | $107 |
| BMW 330i | Compact | $1,466 | $122 |
| Mercedes-Benz CLA250 | Midsize | $1,482 | $124 |
| Lexus IS 300 | Midsize | $1,484 | $124 |
| Acura TLX | Compact | $1,490 | $124 |
| Cadillac CT4 | Compact | $1,502 | $125 |
| Lexus ES 350 | Midsize | $1,504 | $125 |
| Genesis G70 | Compact | $1,506 | $126 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,508 | $126 |
| Lexus IS 350 | Compact | $1,514 | $126 |
| Lexus RC 300 | Midsize | $1,514 | $126 |
| Jaguar XF | Midsize | $1,524 | $127 |
| Cadillac CT5 | Midsize | $1,548 | $129 |
| Lexus ES 250 | Midsize | $1,558 | $130 |
| BMW 330e | Compact | $1,560 | $130 |
| Lexus RC 350 | Compact | $1,560 | $130 |
| BMW 228i | Compact | $1,562 | $130 |
| BMW 230i | Compact | $1,574 | $131 |
| Lexus ES 300h | Midsize | $1,578 | $132 |
| Audi S3 | Compact | $1,614 | $135 |
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 February 23, 2024
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 $1,202 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 $1,384 per year or less.
Additional 2024 luxury models on the list include the Land Rover Evoque, Lexus RX 350, Cadillac XT6, and Lexus NX 350, which average between $1,384 and $1,444 per year to insure in Madison.
Car insurance in this segment for a middle-age safe driver starts at an average of $100 per month, depending on your location and insurance company.
The most affordable small luxury SUV to insure in Madison is the Acura RDX at $1,202 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,344 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $1,614 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 $1,202 per year ($100 per month) and ending with the Lexus NX 350 at $1,444 per year ($120 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,202 | $100 |
| Lexus NX 250 | Compact | $1,272 | $106 |
| Cadillac XT4 | Compact | $1,300 | $108 |
| Jaguar E-Pace | Midsize | $1,344 | $112 |
| Cadillac XT5 | Midsize | $1,358 | $113 |
| Lexus NX 350h | Compact | $1,358 | $113 |
| Lincoln Corsair | Compact | $1,374 | $115 |
| Lexus UX 250h | Compact | $1,378 | $115 |
| Mercedes-Benz GLB 250 | Compact | $1,378 | $115 |
| Lexus NX 450h | Compact | $1,384 | $115 |
| Infiniti QX50 | Midsize | $1,398 | $117 |
| Mercedes-Benz GLA250 | Compact | $1,400 | $117 |
| Cadillac XT6 | Midsize | $1,406 | $117 |
| Mercedes-Benz GLA35 AMG | Compact | $1,406 | $117 |
| Infiniti QX60 | Midsize | $1,414 | $118 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,416 | $118 |
| Acura MDX | Midsize | $1,436 | $120 |
| Land Rover Evoque | Compact | $1,436 | $120 |
| Lexus RX 350 | Midsize | $1,438 | $120 |
| Lexus NX 350 | Compact | $1,444 | $120 |
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 February 22, 2024
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 $1,332 per year, the Toyota GR86 at $1,518 per year, and the Ford Mustang at $1,582 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 $1,720 per year or less.
Full-coverage insurance for this segment in Madison for the average driver will start around $111 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 $111 per month and ending with the Porsche Taycan at $203 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,332 | $111 |
| Toyota GR86 | Sports Car | $1,518 | $127 |
| Ford Mustang | Sports Car | $1,582 | $132 |
| BMW Z4 | Sports Car | $1,588 | $132 |
| Subaru WRX | Sports Car | $1,614 | $135 |
| Toyota GR Supra | Sports Car | $1,614 | $135 |
| BMW M2 | Sports Car | $1,662 | $139 |
| Nissan Z | Sports Car | $1,664 | $139 |
| Lexus RC F | Sports Car | $1,700 | $142 |
| Subaru BRZ | Sports Car | $1,720 | $143 |
| BMW M3 | Sports Car | $1,814 | $151 |
| Porsche 718 | Sports Car | $1,852 | $154 |
| Chevrolet Camaro | Sports Car | $1,870 | $156 |
| Chevrolet Corvette | Sports Car | $1,992 | $166 |
| Porsche 911 | Sports Car | $2,060 | $172 |
| BMW M4 | Sports Car | $2,148 | $179 |
| Lexus LC 500 | Sports Car | $2,156 | $180 |
| Jaguar F-Type | Sports Car | $2,268 | $189 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,382 | $199 |
| Porsche Taycan | Sports Car | $2,434 | $203 |
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 February 23, 2024
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 $1,666 per year (about $139 per month) and varies from $1,378 to $3,832 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 $1,290 per year, or around $108 per month, and varies from $1,074 to $2,952.
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 $1,402 per year, or about $117 per month, and ranges from $1,164 to $3,236.
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 $300 per year for a 40-year-old driver and $588 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 $43 and $140 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 $225 per year over a rating of 670-739. Conversely, a subpar credit score could cost around $261 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 $242 per year on the cost of auto insurance