Madison car insurance rates can fluctuate from year to year so it is important for drivers not to assume that their coverage and rates will be the same at renewal time. By shopping for new insurance quotes each year, motorists will know that they are staying informed about changes to coverage and getting the most competitive rate available.
By visiting online insurance quoting sites such as this one, drivers are more likely to find better rates because of the number of available insurance company quotes they can receive in a short period of time. Comparing rates for auto insurance in Madison takes only a few minutes.
Just click on the box above, enter your Wisconsin zip code and start finding additional Madison auto insurance savings now.
Car Insurance Agents in Madison
Some insurance shoppers out there appreciate having access to instant quotes online and also like to work with an insurance agent as well. Quotes for car insurance in Madison are readily available from some of the country’s top rated insurance companies, and by obtaining quotes here first, you’ll be able to compare them to whatever an agent can offer within the local community.
Allstate Insurance offer 7 agents for auto insurance in Madison and the surrounding cities of Fitchburg, Middleton and Monona.
The Madison area is home to 50 Farmers Insurance agents including representatives for the communities of Monona, McFarland, Windsor, Waunakee, Verona, Sun Prairie, Oregon, DeForest, Stoughton, New Glarus, Sauk City, Edgarton, Janesville, Portage, Baraboo, Watertown, Monroe, Beloit, Oconomowoc, Reedsburg, Elkhorn, Montello, Hartland and Williams Bay.
Progressive Insurance maintains a team of 17 agents to provide car insurance in Madison.
There are 50 State Farm Insurance agents serving the entire Madison, Wisconsin region with bilingual agents available to assist the Spanish speaking community.
If our resource listing does not include your company, send us an email with our contact form to let us know. Individual listings for agents are only accepted in our paid feature section.
Madison Car Insurance Rates
Madison car insurance rates are substantially lower than those found in many other states and even other cities within the State of Wisconsin. According to CarInsurance.com, Madison’s average annual car insurance premiums run $1,009, and when compared to the United States average of $1,998, that makes them 49 percent lower.
Driving in Madison
As the capital of Wisconsin and county seat for Dane County, Madison’s population is actually the 2nd largest just behind Milwaukee. With 233,000 residents strong, the United States Census Bureau combines it with neighboring counties to create a statistical metro area with a population of almost 569,000.
Driving in Madison brings a lot of conditions similar to other city areas of the same size – speeding, excessive traffic, discourteous drivers and safety issues. The concerns were so great within the city that a Neighborhood Traffic Management Program was created in order to help residents contribute their observations to members of the City Council and staff about traffic management issues in their own neighborhoods.
Traffic congestion remains a battle that all Madison drivers must face. The INRIX National Traffic Scorecard gave the city an average result on their most congested city ranking by placing Madison 65th out of 100 metro areas.
Despite the heavy traffic conditions, Madison drivers are some of the safest in the nation. In fact, Allstate Insurance ranked the city 17 out of 200 for having the best drivers in their 2011 Best Drivers Report.
Madison is county seat to Dane County, and the National Highway Traffic Safety Administration released their 2006-2010 traffic fatality rates for all the counties in Wisconsin. Dane County was ranked 2nd out of all other Wisconsin counties for number of traffic fatalities. In 2010, there were 35 total deaths caused by car accidents – still low for such a large population area.
For those seeking real time traffic reports in Madison and other large Wisconsin cities, the Department of Transportation participates in the 511 program. Residents may dial 511 on their phones to access up to date traffic information or they may visit the Department’s website. The program gives users current road conditions including closures, accidents, construction zones and weather related issues.
Wisconsin Auto Insurance Laws
Following Wisconsin auto insurance laws will keep drivers safely driving the roads fully protected and in compliance with the regulations. The state assigns fault responsibility in traffic accidents so that if a driver causes an accident, he or his insurance company pays for all damages.
The state requires that all motorists have minimum liability insurance limits to protect others if the driver is involved in an accident. It is important to become familiar with Wisconsin minimum auto insurance requirements before purchasing insurance coverage. Visit our resource page to learn more specific details about what the State of Wisconsin requires of all motorists in the state.
Madison Car Insurance Quotes
Many agents and insurance companies offer Madison car insurance so it can sometimes become very confusing about who provides the best rates and coverage. By using our online insurance quote service, you receive free rate quotes that allow you to objectively review the information without any pressure.
Within just a few short minutes, you can have multiple quotes right in hand to compare for pricing, payment options and protection levels. And once you’ve found what works best for you, even purchase it right online instantly all from the comfort of your own home or office.