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Get Cheap Car Insurance in Madison, MO
We monitor insurance prices, helping the average driver in Madison save up to 28.5% 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 State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Madison Insurer | Monthly Cost |
|---|---|
| State Farm | $67 |
| Travelers | $68 |
| Safeco Insurance | $69 |
| Clearcover | $74 |
Savings for Every Kind of Madison Driver
Based on our extensive insurance data, we know the average Madison driver will save about 27% 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 $480 per year by choosing the right vehicle insurance company. Some Madison residents are paying out over $1,778 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, MO Savings / Yr. |
|---|---|
$480 |
|
$669 |
|
$612 |
|
$685 |
|
$1,446 |
|
$373 |
|
$573 |
Madison Car Insurance vs. Missouri
People living in Madison pay an average of 1.26% less than the typical driver in the state. The average driver in Madison can expect to pay about $1,095 per year, or $1,778 for full coverage.
Based on our analysis, Clearcover 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 $57 per year within the city boundaries, with insurance premiums ranging from a high of $1,794 to a low of $1,737. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast 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, Clearcover is the best option, with annual savings of $480 over the average Madison car insurance company.
The best car insurance provider for Madison drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $669 over the competition.
The best car insurance company for Madison drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $612 better than other car insurance companies.
The best auto insurance for Madison drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $685 less each year.
The least expensive car insurance company for new and young drivers in Madison
In Madison, Travelers costs young drivers $1,446 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 $373 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 $114 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 speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.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:
- The average commute time in Madison is 31 minutes, which is about the national average for a driver in the state.
- Missouri 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 about 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 one of the most densely populated areas 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 $91 per month for minimum coverage and $148 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
- Holliday: Insurance costs 0.11% more
- Woodlawn: Insurance costs 0.22% less
- Middle Grove: Insurance costs 0.84% less
- Woodville: Insurance costs 1.52% less
- Moberly: Insurance costs 1.01% more
- Cairo: Insurance costs 0.28% less
- Maud: Insurance costs 0.11% more
- Paris: Insurance costs 1.52% more
- Urbandale: Insurance costs 0.67% more
- Renick: Insurance costs 0.34% more
Cities with Similar Populations
- Avon: Insurance costs 16.03% less
- Ayersville: Insurance costs 40.16% less
- Viborg: Insurance costs 13.05% less
- Barlow: Insurance costs 16.42% more
- Boyle: Insurance costs 3.60% less
- Bringhurst: Insurance costs 34.31% less
- Buckatunna: Insurance costs 5.51% less
- Norfolk: Insurance costs 7.31% more
- Nazlini: Insurance costs 2.02% less
- North Truro: Insurance costs 16.37% less