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Get Cheap Car Insurance in Madison, CT
We monitor insurance prices, helping the average driver in Madison save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Madison
The chart below shows the cheapest car insurance company in Madison 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 Kemper, followed by State Farm, Safeco Insurance, and Travelers.
| Madison Insurer | Monthly Cost |
|---|---|
| Kemper | $68 |
| State Farm | $78 |
| Safeco Insurance | $79 |
| Travelers | $80 |
Savings for Every Kind of Madison Driver
Based on our extensive insurance data, we know the average Madison driver will save about 29% 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, credit score, marital status, and age. The average driver will find themselves saving $562 per year by choosing the right vehicle insurance company. Some Madison residents are paying out over $1,917 extra every year for auto insurance in Madison. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Madison, CT Savings / Yr. |
|---|---|
$562 |
|
$779 |
|
$541 |
|
$903 |
|
$2,126 |
|
$509 |
|
$856 |
Madison Car Insurance vs. Connecticut
People living in Madison pay an average of 0.94% less than the typical driver in the state. The average driver in Madison can expect to pay about $1,313 per year, or $1,917 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Madison for most people.
Car Insurance Prices by Madison Neighborhood
Insurance Prices
Where is insurance cheapest within Madison?
The map shows insurance prices in and around Madison, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $102 per year within the city boundaries, with insurance premiums ranging from a high of $1,976 to a low of $1,874. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southwest parts of Madison.Pick the Best Car Insurance Company for You in Madison
The best car insurance provider for most drivers in Madison
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $562 over the average Madison car insurance company.
The best car insurance provider for Madison drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $779 over the competition.
The best car insurance company for Madison drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $541 better than other car insurance companies.
The best auto insurance for Madison drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $903 less each year.
The least expensive car insurance company for new and young drivers in Madison
In Madison, State Farm costs young drivers $2,126 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Madison
State Farm gave the largest car insurance discounts to married couples, averaging $509 saved each year compared to an average Madison couple's premiums.
The cheapest car insurance in Madison for drivers with bad credit
The best Madison car insurance company for customer service
Recent price drops
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The cheapest large national provider in Madison
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Madison driver can expect to pay about $120 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, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Madison
What Influences the Cost of Car Insurance in Madison?
On average, car insurance in Madison is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- Connecticut state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Madison are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Madison is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Madison is $109 per month for minimum coverage and $160 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 Cities
- Guilford: Insurance costs 0.05% less
- Seaview Beach: Insurance costs 0.78% less
- Killingworth: Insurance costs 0.99% less
- Clinton: Insurance costs 0.16% less
- Stony Creek: Insurance costs 2.14% less
- North Guilford: Insurance costs 0.99% less
- Winthrop: Insurance costs 2.56% less
- Little City: Insurance costs 0.94% less
- North Branford: Insurance costs 0.05% less
- Westbrook: Insurance costs 0.89% more
Cities with Similar Populations
- Wade Hampton: Insurance costs 16.33% less
- East Rancho Dominguez: Insurance costs 26.86% more
- Eastchester: Insurance costs 33.44% more
- Elkins Park: Insurance costs 16.17% less
- Willimantic: Insurance costs 11.27% more
- Waterville: Insurance costs 49.30% less
- Warwick: Insurance costs 22.74% more
- Walterboro: Insurance costs 9.49% less
- Walnut Grove: Insurance costs 23.42% less
- Wallingford Center: Insurance costs 2.56% more