Car Insurance in Madison

Compare rates for car insurance in Madison so you can drive with peace of mind.
Compare, shop and customize quotes from top-rated insurance carriers.

Affordable, Safe Driving in Madison

Madison has a population of about 60,000 people. and many more live in the region and own cars. The area has public transportation, but it is not widely available everywhere. Car insurance is important, and it is a good idea to review your policy once a year to ensure it still makes sense.

The weather in Madison can pose challenges, especially in the winter. For example, the snowy period lasts 1.5 months. The rest of the year can make for relatively good driving conditions except when it rains.

About three vehicles are involved in fatal accidents per year in Madison, but that does not include accidents in areas nearby. Use VIU by HUB to compare rates for car insurance in Madison so you have adequate protection.

Importance of Yearly Reviews

A lot can change in a year, but even little changes can affect your car insurance rates. Yearly reviews help ensure you're still getting the coverage you need.

For example, when your car is brand-new and relatively expensive, you may want to insure it for everything you can. Your lender, if you have one, may also require collision and comprehensive coverage.

However, when your car is 10 or 15 years old and you have paid off the loans, the cost of replacing it should be much less. You may prefer to pay less in insurance, too. You know your risk tolerances and what you are comfortable with.

Over time, you may qualify for more discounts such as claims-free and accident-free, too. Insurers also introduce new programs and may change policy terms. Other insurers may start offering more competitive rates, as well. VIU by HUB helps you compare different insurers and policies so you can get the coverage you want at affordable rates.

Cost of Car Insurance in Madison

Drivers in Madison pay about $121 a month (or about $1,451 a year) on average for their insurance. Young drivers usually pay more than this average, while senior drivers pay less. Factors influencing your costs for car insurance often include the following:

  • Your vehicle's make and model
  • Your age and gender
  • Your driving record
  • Where you keep the vehicle/where you live in Madison
  • Your insurance discounts

If you get the bare minimum coverage the state requires, you may pay less, too. Increasing your coverage and getting optional policies can raise your rates but offer more thorough protection and peace of mind.

Alabama Requirements for Auto Insurance

Alabama Mandatory Liability Insurance calls for 25/50/25 protection. This means the following:

  • $25,000 for death or bodily injury in an accident for one person
  • $50,000 for death or bodily injury in an accident for two or more people
  • $25,000 for property damage or destruction in an accident

This type of liability insurance covers injuries or damage you are held legally responsible for. It typically does not cover your own injuries or your own damaged property, one reason many drivers opt to purchase additional coverage.

Options for More Thorough Coverage

Many motorists get collision and comprehensive coverage for additional protection in accidents and in situations such as fire, theft and vandalism. If you are financing your car, your lender probably requires this coverage, too.

You are not required to have uninsured/underinsured motorist coverage in Alabama, but carrying it can be a good idea. It can help if another driver is held liable for your injuries or property damage but does not have sufficient insurance. Fortunately, it is easy to use VIU by HUB to compare rates for car insurance in Madison.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

Weather Spark


Alabama Department of Revenue, Motor Vehicle Division


Auto insurance in Alabama by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.