🚗 Car insurance cost in Madison, WI (2026)
Estimated average: $1,789 per year — -17% vs. the U.S. average of $2,150.
$1,789
Est. car insurance in Madison
per year
$1,720
Wisconsin average
$2,150
U.S. average
272,903
Population
Estimate your car insurance in Madison
Madison car insurance estimator
Estimated$3,131/year
Starts from the Madison estimate. Get quotes to confirm your price.
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.