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Cheap Car Insurance in Madison, Wisconsin

Wisconsin’s capital city has plenty of deals for cheap car insurance. The state capital is home to an estimated 245,691 residents. Known for its domed State Capitol building, Madison lies about 80 miles west of Milwaukee on an isthmus between two large lakes, Lake Monona and Lake Mendota. An extensive network of lakes, parks and hike and bike trails runs throughout the city. State government and the University of Wisconsin-Madison are among its largest employers.

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Driving Conditions in Madison

Two freeways undergoing widening projects, Interstate 39 and Interstate 90, both intersect with Interstate 94 in Madison. Growth of employment centers around the edges of the city has created a more diverse commuting pattern, which has been a bonus for drivers. Compared to average U.S. Cities commute of 25.2 minutes, Madison has a shorter commute time at 21.7 minutes, according to Census Bureau data.

Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed at, and smartphone apps can be downloaded.

Unique Laws in Madison

Driving through fog without headlights in Wisconsin could draw a fine. Laws require headlights during daytime when rain, fog or snow cuts visibility to less than 500 feet. Motorists also will be fined for using a cellphone in a construction zone.

Drivers in Wisconsin should yield to cows on the right-of-way, since farm livestock has the right of way, and motorists will be charged a fine for camping on a public highway.

Wisconsin also bans charging admission for toilets, throwing rocks at railway cars and selling colored chicks, ducklings or rabbits.

Madison Crime Statistics

Making frequent appearances on various publications’ “best places to live” rankings, Madison has a lower overall crime rate than the national average, though higher than the state average for Wisconsin, according to FBI data.

The Madison metro area had 454 cases of auto theft in 2015, according to the National Insurance Crime Bureau, or a rate of 70.78 incidents per 100,000 people. The national average for the same year was a rate of 220.2 per 100,000 people.

Madison Safety Requirements

All drivers and passengers in Wisconsin must wear seat belts, and police may stop and ticket drivers solely for seat belt violations, according to the Wisconsin Department of Transportation. Children under 5 and weighing 40 pounds or less must ride in a federally approved child seat. Children under 8 must ride in safety seats or boosters until they reach 80 pounds or are taller than 4 feet, 9 inches. Wisconsin bans texting while driving for all motorists. In addition, cellphone use while driving is banned for those with a probationary license or permit.

Madison Impaired Driving Laws

Wisconsin has an absolute sobriety or “Not a Drop” law, which means that drivers under 21 may not have a drop of alcohol in their system when operating a vehicle, the Wisconsin Department of Transportation states. Drivers are charged with OWI, or operating while intoxicated with a PAC, or prohibited alcohol concentration, of .08 – or any controlled substance. First offenders face fines, license revocation of up to 9 months, interlock devices and possible time in sobriety programs.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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