🚗 Car insurance cost in Madison, WI (2027)
Estimated average: $1,789 per year — -17% vs. the U.S. average of $2,150.
With about 272,903 residents, Madison is a large city and the #2 largest city in Wisconsin. Car insurance rates here are estimated at $1,789 per year, above the Wisconsin average of $1,720 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Madison with other Wisconsin cities.
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Madison car insurance FAQ
How much is car insurance in Madison, WI?
The estimated average is $1,789 per year — above the state average (+4% vs. the Wisconsin average of $1,720, and -17% vs. the U.S. average).
Is car insurance more expensive in Madison than elsewhere in Wisconsin?
Madison has about 272,903 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Madison?
Compare at least three quotes from insurers active in Madison, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.