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Get Cheap Car Insurance in Madison Area, Grand Rapids, MI
We monitor insurance prices, helping the average driver in Madison Area save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Madison Area
The chart below shows the cheapest car insurance company in Madison Area for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Madison Area Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $128 |
| Progressive | $146 |
| State Farm | $148 |
| Safeco Insurance | $156 |
Savings for Every Kind of Madison Area Driver
Based on our extensive insurance data, we know the average Madison Area driver will save about 40% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $1,390 per year by choosing the right vehicle insurance company. Some Madison Area residents are paying out over $3,459 extra every year for auto insurance in Madison Area. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Madison Area, Grand Rapids, MI Savings / Yr. |
|---|---|
$1,390 |
|
$2,269 |
|
$2,008 |
|
$3,052 |
|
$3,601 |
|
$0 |
|
$0 |
Madison Area Car Insurance vs. Grand Rapids
People living in Madison Area pay an average of 19.32% more than the typical driver in the state. The average driver in Madison Area can expect to pay about $2,627 per year, or $3,459 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Madison Area for most people.
Car Insurance Prices by Madison Area Neighborhood
Insurance Prices
Where is insurance cheapest within Madison Area?
The map shows insurance prices in and around Madison Area, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $891 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,880 to a low of $2,989. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Madison Area.Pick the Best Car Insurance Company for You in Madison Area
The best car insurance provider for most drivers in Madison Area
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,390 over the average Madison Area car insurance company.
The best car insurance provider for Madison Area drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $2,269 over the competition.
The best car insurance company for Madison Area drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $2,008 better than other car insurance companies.
The best auto insurance for Madison Area drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $3,052 less each year.
The least expensive car insurance company for new and young drivers in Madison Area
In Madison Area, Geico costs young drivers $3,601 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Madison Area
The cheapest car insurance in Madison Area for drivers with bad credit
The best Madison Area car insurance company for customer service
Nationwide was the best company for customer service in Madison Area according to the NAIC.
Recent price drops
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The cheapest large national provider in Madison Area
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Madison Area driver can expect to pay about $163 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Madison Area, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Madison Area
What Influences the Cost of Car Insurance in Madison Area?
On average, car insurance in Madison Area is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Michigan state insurance regulations may require higher prices.
- An average of 18 to 19 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Madison Area is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Madison Area is $219 per month for minimum coverage and $288 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- South East Community: Insurance costs 1.99% more
- Fuller Avenue: Insurance costs 7.14% less
- East Hills: Insurance costs 11.77% less
- Heritage Hill: Insurance costs 15.96% less
- Garfield Park: Insurance costs 1.65% more
- South East End: Insurance costs 8.73% less
- Eastown: Insurance costs 16.88% less
- Roosevelt Park: Insurance costs 3.73% more
- Heartside-Downtown: Insurance costs 9.71% less
- Alger Heights: Insurance costs 10.15% less
Neighborhoods with Similar Populations
- Colonial Heights: Insurance costs 51.06% less
- Glendale: Insurance costs 68.26% less
- Croissant Park: Insurance costs 11.45% less
- Navco: Insurance costs 49.67% less
- Jacoby Creek: Insurance costs 47.96% less
- Historic District: Insurance costs 15.26% less
- Heart of the Westside: Insurance costs 45.91% less
- Downtown Bryan: Insurance costs 47.79% less
- Cypress Run: Insurance costs 13.01% less
- Fox Farm: Insurance costs 53.95% less