Cheap Auto Insurance in Madison, Alabama (2025)
National General is the cheapest insurer for Madison, with liability-only policies starting as low as $49 per month.
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Madison's comparatively low accident and fatality rate, educated population, and location outside of the traffic congestion of Huntsville all play a role in the city's affordable car insurance. Average car insurance costs in Madison are on par with Alabama's state average.
Drivers in Madison see average car insurance rates of $129 per month for full-coverage car insurance, and $66 for liability-only policies. That's close to the Alabama averages of $132 and $64, respectively.
Drivers may be able to save even more by comparing car insurance quotes from top insurers serving the Madison area. Here’s what you need to know about finding affordable car insurance in Madison.
Best car insurance companies in Madison
Consider factors like your budget, driving record, and coverage preferences while shopping for the best car insurance company in Madison. This can help you find the right auto insurance policy for your needs.
To make your search a bit easier, Insurify did some research and found a few of the best auto insurers in Madison based on AM Best ratings, customer satisfaction, average quotes, and more.
Best insurer for liability-only coverage: Auto-Owners
Best insurer for discounts: Travelers
Best insurer for full coverage: COUNTRY Financial
How to get the cheapest car insurance in Madison
You’ll need to shop around to lock in the most affordable car insurance and right coverage for your unique budget and needs. Here are some tips to help you find the best deal on car insurance in Madison:
Do your research. It’s a good idea to get free car insurance quotes from at least three different companies. Then, compare different rates and coverage options to find the best rate and right policy. Independent agents can also help you with your search.
Secure discounts. Many car insurance companies offer discounts that you can learn about through an insurance agent or on the insurer’s website. A few examples include the good student discount, loyalty discount, and multi-car discount for insuring two cars with one policy.
Bundle policies. If you also need another type of insurance policy, like homeowners insurance, renters insurance, or property insurance, you may want to buy it from the same company your auto insurance is with. Bundling can give you a discount of 5% or more.
Explore pay-per-mile insurance. If you only drive on occasion, pay-per-mile insurance may be the way to go. It’s a great value because you’ll only pay for the miles you drive.
Cheapest liability-only car insurance in Madison: National General
Alabama requires all drivers to carry at least the state minimum amount of liability car insurance of 25/50/25.3 This type of policy pays for the other driver’s property damage and medical costs after you cause an accident. Because it’s the least amount of car insurance you can purchase and drive legally, liability-only insurance is often the cheapest car insurance option. These policies generally work best for drivers who have older, less-expensive vehicles that are paid off.
Here are the most affordable liability-only auto insurance quotes in Madison.
Cheapest full-coverage car insurance in Madison: USAA
Though more expensive than a liability-only policy, full-coverage car insurance can provide you with some extra protection for vehicle damage. It’s typically made up of liability, collision, and comprehensive insurance. If you have a lease or loan on your vehicle, your lienholder may require this type of auto insurance policy.
Full-coverage car insurance may also include medical payments or personal injury protection coverages, which pay for your and your passengers’ medical costs from an accident, regardless of fault.
The table below shows the cheapest full-coverage car insurance quotes in Madison.
Car insurance requirements in Alabama
Because Alabama is a tort state — also called an at-fault state — the liable driver is responsible for property damage and injury expenses after an accident. It’s also important to note that the state follows the contributory negligence rule, so if you’re even partly at fault for an accident, you might not be able to recover damages. Also, drivers must provide proof of auto insurance after an accident or when pulled over to avoid consequences.
Here are Alabama’s minimum car insurance requirements:3
Alabama’s minimum car insurance requirements might not be enough coverage for drivers in various situations. If you want more protection on Madison roads, consider these optional car insurance coverages:
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are all examples of incidents that may raise your car insurance rates. Madison drivers with clean records usually land the lowest premiums. The good news is you can still find cheap auto insurance if you have an incident on your driving record.
Here are the cheapest car insurance companies in Madison for drivers with incidents.
Cheapest car insurance for drivers with a speeding ticket: National General
Speeding was a factor in 2% of fatal crashes in Alabama in 2022.1 Driving faster than the speed limit can make it challenging to react properly in dangerous situations and often results in car accidents. For this reason, drivers with speeding tickets usually pay higher car insurance costs.
Madison drivers cited for speeding see average car insurance rates of $176 per month for full coverage and $90 for liability only. Here’s a look at average monthly minimum-coverage rates in Madison for drivers with a speeding ticket on their records.
Cheapest car insurance for drivers with an at-fault accident: National General
In 2022, nearly 12,000 car accidents happened in Madison County.1 If you’re responsible for an accident, you can expect your car insurance premiums to increase since insurance companies view you as a high-risk driver likely to file more claims.
If you get into an at-fault accident in Madison, you'll likely face average monthly car insurance rates of $176 for full coverage and $90 for minimum coverage. The table below highlights average monthly quotes from the cheapest car insurance companies for Madison drivers with an at-fault accident on their records.
Cheapest car insurance for drivers with a DUI: National General
Alabama law enforcement cited 6,751 people for driving under the influence of drugs or alcohol in 2022.1 A DUI can lead to serious consequences, such as costly fines, jail time, and higher auto insurance coverage, especially if you have to file an SR-22.
A DUI significantly increases average car insurance rates in Madison to $208 per month for full coverage and $106 for liability-only coverage. Here’s an overview of the average monthly quotes from different insurers for Madison drivers with a DUI on their records.
Cheapest car insurance for seniors: National General
Seniors are more at risk of getting into an accident, and being seriously injured in an accident, than middle-aged drivers. Average premiums usually decrease around age 25 and then increase a bit around age 70. Despite senior drivers’ general risk increase, they often pay cheaper premiums than other age groups.
Senior drivers in Madison see average monthly rates of $58 for minimum-coverage car insurance and $113 for full coverage. This table shows the cheapest monthly auto insurance quotes for seniors in Madison, Alabama.
Cheapest car insurance for teens: National General
Because teenagers and young adults are less experienced drivers, and are more likely to get into accidents, they often pay more expensive car insurance rates. To land a lower rate on an auto policy, teens can secure a good student discount, complete an approved driver education course, and stay on their parents’ car insurance.
Teen drivers in Madison with their own policies pay, on average, $271 per month for full coverage and $139 for liability only. The insurers below offer the cheapest monthly auto insurance prices for teens and young drivers in Madison.
Madison car insurance quotes by credit tier
Insurance companies believe that drivers with good to excellent credit file fewer claims than drivers with poor credit. This is why some car insurance companies consider credit history when determining premiums. Unlike some states, Alabama allows car insurers to use credit history to determine rates, but it can’t be the only factor they consider.6
The chart below illustrates how credit can affect car insurance rates for Madison drivers.
Is car insurance more expensive in Madison?
The average rate of a liability-only auto policy in the U.S. is $104 per month. For full coverage, the average monthly cost is $184. Madison’s car insurance costs are currently lower than national averages and on par with Alabama's state averages. Car insurance premiums vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers.4
Car insurance may be cheaper in Madison because other areas, like Jefferson County, reported more car accidents in 2022 than Madison County did. Madison’s inland location also may protect it from hurricane and flooding damages, unlike coastal cities, like Mobile. Additionally, Madison has fewer residents than cities like Montgomery and Mobile, further contributing to cheaper average rates.5
More cities in Alabama
Here’s a comparison of average monthly quotes for other Alabama cities.