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.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Madison. Shop for your auto insurance today!

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.

To Get Free Madison Car Insurance Quotes, Either:

  • OR

Car Insurance Madison, Wisconsin Agents

Add FREE Listing
  • David Gervasi Insurance Agency


    7818 Big Sky Dr Ste 119
    Madison, WI 53719
    Visit Agent Website


  • Farmers Insurance Group


    6515 Grand Teton Plz Ste 302
    Madison, WI 53719
    Visit Agent Website


    I was in the market for price on my insurance that met todays financial needs but I did not want to sacrifice quality or service. Jonathan was flexible with scheduling and able to work around my schedule. His customer service was great and the services he prides with Farmers helped to protect my family. I would suggest Jonathan with Farmers to all my neighbors.

  • Raymond Kapinus


    5902 Raymond Rd
    Madison, WI 53711
    Visit Agent Website


    Helpful, friendly Agency. C.R.

  • The Curtis Agency


    5609 Medical Cir Ste L10
    Madison, WI 53719
    Visit Agent Website



    Be very careful if you decide to use this agent. We used The Curtis Agency to insure two cars. When we set the policy up both of the cars were set up under the same policy with identical coverage. A change had to be made on one of the cars and when the policy was entered collission was omitted from this car. We did not find this out until we had an accident. At first the agency was helpful admitting that a mistake was made. This changed quickly when the insurance company started asking them for information. They stopped being helpful. I filed a complaint with the Insuramce Commissioner and the insurance company agreed to cover the car. Unfortunately this agent decided to dispute this adamantly and the insurance company again denied coverage. The agent went out of his way to make sure that we did not get covered even though they are on the AIG claim investigators voice mail twice admitting they made an error. We are still waiting for the decision from the WI Insurance Commissioner. I have also filed a claim with the BBB against this agent and will take legal action next. We are going on 3-months since the accident.

    Lesson learned: Do not make any insurance deal via fax or phone. Do not trust an agent when they tell you that it is ok to sign without reviewing.

  • Aaa Insurance
  • Aaa Insurance
  • Aaa Insurance
  • Abacus Bertz Financial
  • Adam Prell
  • Affiliated Insurance Agencies
  • Affordable Family Insurance
  • Baer Insurance Services
  • Benjamin A Adams
  • Bob Wink
  • Brad R Bodden
  • Cheng Vang
  • Cliff Insurance Agency
  • Clyde R Olson Insurance Agency
  • Cobb-strecker-dunphy- Zimmerman
  • Consumers Insurance Service
  • Dan Imhoff
  • David A Larson
  • David C Scher
  • Dawn Goplin
  • Ed Flynn
  • Eduardo D Tataje
  • Farmers Insurance Group
  • Fish & Schulkamp
  • Gehrke Insurance Agency
  • George Mcdevitt
  • George Mcdevitt
  • Gerald Exterovich
  • Greater Insurance Service
  • Happe
  • Hausmann-johnson Insurance
  • Holmes Murphy & Associates
  • Imi Financial Consultants
  • Independent Insurance Services
  • Independent Insurance Services
  • J Patrick Newberry
  • Jack Mussey
  • James Rodman
  • Jane F Frahm
  • Jeff J Swalve
  • Jesus A Carvajal
  • Johnson Insurance Services
  • Jon D Robb
  • Joseph Boese Insurance Agency
  • Kathleen Clark
  • Keith Allen Hawsey Agency
  • Kelli Ward
  • Klein Insurance Group
  • Larry Sain
  • Lor-yang Insurance Agency
  • Lynn Malayter
  • Marlene M Clausius
  • Matthew Kripschack
  • Metlife Auto & Home
  • Metlife Auto & Home
  • Michael J Bolger
  • Michael R Campbell
  • Michael Wegner
  • Molly L Putnam
  • Monty Homewood Agency
  • Mortenson Matzelle & Meldrum
  • Nelson
  • Nodak Agency
  • Patrick Marsden
  • Paul Kinas
  • Paul Swenson Insurance Services
  • Pete Mccormick
  • Peter Arttus
  • Prairie Land Insurance Agency
  • R Michael Hanzel
  • Richard (rick) Myers
  • Robert (bob) J Koss
  • Robert A Reuter
  • Robert A Schneider Agency
  • Sara J Herrman
  • Schwarz Insurance Agency
  • Scott Clark
  • Sheila Link
  • Simret Abraha
  • Sterling L Raskie
  • Steven K Kopp
  • Susan E Pierce Jacobsen
  • Susan Kempfer
  • Terry Hanson
  • The Insurance Center
  • The Neckerman Agency
  • Tilman Christianson Insurance Agency
  • Tricor
  • Tricor - Madison
  • Walter S Orr
  • Warren L Tompkins
  • William F Nimmow
  • William P Czeskleba
  • Wisconsin Medical Society Insurance
  • Wrc Agency, Inc
  • Faye Reddic
  • Jimmie Prowant
  • Andalon
  • Shawna Rieland
  • Ross Lampe
  • Konnor Hince
  • Gordon Lucente
  • Dana Dziadosz
  • Jillian Malvin
  • Prasad Borts
  • Kathy Leazenby
  • Joanne Reveles
  • Julia Easton
  • Lynne Fallone
  • Sandy Denning
  • Pamela Steinmiller
  • Nenie Cuzco
  • Mallory Schwanke
  • Maria Swiss
  • Sharon Henniger
  • Amy Cousins
  • Zachary Kelling
  • Tasha Raynor
  • Aden Abajian
  • Kadyn Frensley
  • Rachael Mcroberts
  • Samantha Trainum
  • Michelle Schatzberg
  • Kaye Balder
  • Karla Schumann
  • Sidney Rietveld
  • Juan Ruesch
  • Bob Alas
  • Mark Mcfee
  • Nichole Leka
  • Patti Zessin
  • Vickie Lutsky

Did you know ?

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

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

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

Remind Me to Save Again!

Want to remember to get quotes later? Get a reminder!
E-mail address:
How many times?
Remind me in: