Madison Car Insurance

Assure your financial security by getting the best Madison car insurance for a great price. 
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Drive Safely With Great Madison Car Insurance

According to the US Census Bureau, Madison is home to just under 28,000 people. Limited public transportation in Madison mostly consists of services for veterans, older adults and individuals with disabilities. The lack of other transportation options encourages people to drive where they need to go, with nearly 85% of commuters driving alone to work each day. Another 7% carpool on Madison roadways. The average commute time is 24.6 minutes each way. 

Drivers also take to the roads for everyday activities and to head to the state's capital, Jackson, a short 20-minute drive away. You can park in a central location and take advantage of the larger city's transportation network to see the sights or enjoy a great meal. 

Many of the people in this city work in fields such as medicine, public health, statistics and computer science. This is likely why the average household income is well above the national average, at $119,662. The presence of more expensive vehicles in a more densely populated area leaves many Madison residents paying higher-than-average insurance rates. Comparing rates on car insurance with VIU by HUB can help drivers save. 

Factors Affecting Rates

The average rate for full-coverage car insurance in Madison is around $1,900 a year. That is higher than the state average but lower than the national average. The exact amount you pay will depend on your unique factors. These include coverage limits, gender, and marital status. Here are some additional factors that are considered:  

Vehicle Type

Your insurance premiums can change with the type of car you have. If you have a car that is simple to repair, you will pay less for insurance than one that requires expensive or imported parts. Large trucks and SUVs that contribute to serious injuries and property damage can also cause your rates to go up. 

Credit Score

Your credit score is another factor affecting your Madison car insurance rates. The lower your credit score, the more likely you are to file a claim, which means that you are considered more of a risk. If you have bad credit, you can expect to pay more than someone with good credit, even if they have a DUI. If you have poor credit, consider improving it to help lower your rates substantially. 

Driving Record

Insurers don't want to pay for claims, so they usually offer the best rates to people with clean driving records. Any blemishes, even something as simple as a speeding ticket, can raise your rates. 

More serious offenses, like a DUI, will have a larger impact. That's especially true because Mississippi takes DUIs very seriously. Getting several tickets or having multiple accidents in a short period can make you a high-risk driver by insurance company standards. 


Your auto insurance rates are directly associated with your age. Younger drivers pay more for coverage because they typically lack the experience older drivers have. Once you reach 25, your insurance rates largely stabilize. However, drivers over age 75 may find themselves paying more. 

Reviewing your policy and comparing rates should be done at least yearly. It is easier than you think to find better rates on car insurance. Fill out a simple form with VIU by HUB to compare various policies from different insurance companies. That will help you purchase the best Madison car insurance for a great price. 

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


US Census Bureau

University of Wisconsin

Mississippi Insurance Department

Auto insurance in Mississippi 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.