Cheap Quotes for Madison, FL Car Insurance (2024)
Madison, Florida car insurance rates average $311 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Madison, FL companies, you can find cheap Madison car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Madison, FL after a DUI are $4,445/year
- Average car insurance rates in Madison, FL for senior drivers are $2,268/year
- Madison has an average commute time of 18.3 minutes
How do the Madison, Florida monthly average car insurance rates of $311/month compare to nearby cities like St. Petersburg car insurance rates, Tallahassee car insurance rates, and Tampa car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Madison, FL.
We’ll cover the Florida minimum coverage requirements, Florida car insurance laws, and Madison, FL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Madison, Florida companies to find the most affordable Madison car insurance rates.
Enter your ZIP code above to find cheap Madison, FL car insurance quotes today.
What are the minimum Madison, FL car insurance requirements?
To meet Florida minimum car insurance coverage requirements, Madison, FL drivers need to carry at least 10/20/10 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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How do age, gender, and marital status affect Madison, FL car insurance rates?
Three of the criteria that most affect car insurance rates in Madison, Florida are age, gender, and marital status. Let’s take a look at how each of these stack up with top Madison car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,467 | $3,342 | $3,017 | $3,079 | $11,709 | $12,685 | $3,542 | $3,626 |
| Geico | $2,399 | $2,422 | $2,239 | $2,239 | $4,173 | $5,282 | $2,645 | $2,718 |
| Liberty Mutual | $3,165 | $3,165 | $2,902 | $2,902 | $6,659 | $10,241 | $3,165 | $4,279 |
| Nationwide | $2,302 | $2,284 | $2,057 | $2,134 | $5,480 | $6,791 | $2,533 | $2,652 |
| Progressive | $3,093 | $2,943 | $2,665 | $2,858 | $8,493 | $9,366 | $3,749 | $3,660 |
| State Farm | $1,719 | $1,719 | $1,546 | $1,546 | $4,900 | $6,272 | $1,898 | $2,054 |
| USAA | $1,387 | $1,368 | $1,282 | $1,281 | $4,617 | $5,403 | $1,740 | $1,889 |
How much do teen drivers pay for car insurance in Madison, FL?
Madison, Florida car insurance rates for teens are often higher than rates for other drivers. Compare Madison car insurance rates from multiple Madison, Florida car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,709 | $12,685 |
| Geico | $4,173 | $5,282 |
| Liberty Mutual | $6,659 | $10,241 |
| Nationwide | $5,480 | $6,791 |
| Progressive | $8,493 | $9,366 |
| State Farm | $4,900 | $6,272 |
| USAA | $4,617 | $5,403 |
How much do senior drivers pay for car insurance in Madison, FL?
With a little research, seniors can find affordable car insurance in Madison, Florida. Here’s a look at how the top Madison car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,017 | $3,079 |
| Geico | $2,239 | $2,239 |
| Liberty Mutual | $2,902 | $2,902 |
| Nationwide | $2,057 | $2,134 |
| Progressive | $2,665 | $2,858 |
| State Farm | $1,546 | $1,546 |
| USAA | $1,282 | $1,281 |
How does coverage level affect Madison, FL car insurance rates?
How much coverage do you need? Are you comfortable with the Florida minimum of 10/20/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Madison, FL car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,446 | $5,810 | $6,420 |
| Geico | $2,522 | $3,107 | $3,415 |
| Liberty Mutual | $4,208 | $4,628 | $4,844 |
| Nationwide | $2,669 | $3,395 | $3,774 |
| Progressive | $4,000 | $4,689 | $5,120 |
| State Farm | $2,367 | $2,761 | $2,992 |
| USAA | $2,083 | $2,445 | $2,584 |
How does your driving record affect Madison, FL car insurance rates?
Safe driving pays off. The more traffic violations you have in Madison, FL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Madison, Florida companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,816 | $5,723 | $6,362 | $5,332 |
| Geico | $2,166 | $2,708 | $3,924 | $3,261 |
| Liberty Mutual | $3,318 | $4,278 | $6,151 | $4,491 |
| Nationwide | $2,824 | $3,078 | $4,094 | $3,120 |
| Progressive | $3,663 | $5,356 | $4,520 | $4,873 |
| State Farm | $2,486 | $2,927 | $2,707 | $2,707 |
| USAA | $1,875 | $2,293 | $3,354 | $1,961 |
How does a DUI affect Madison, FL car insurance rates?
With even one DUI on your record, you can see an increase in your Madison, FL car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,362 |
| Geico | $3,924 |
| Liberty Mutual | $6,151 |
| Nationwide | $4,094 |
| Progressive | $4,520 |
| State Farm | $2,707 |
| USAA | $3,354 |
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How does your credit history affect Madison, FL car insurance rates?
Take a look at the data here to see how your Madison, Florida car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,742 | $4,918 | $4,015 |
| Geico | $4,294 | $2,683 | $2,067 |
| Liberty Mutual | $5,867 | $4,311 | $3,501 |
| Nationwide | $4,095 | $3,013 | $2,729 |
| Progressive | $6,021 | $4,252 | $3,536 |
| State Farm | $3,653 | $2,441 | $2,026 |
| USAA | $3,880 | $1,875 | $1,358 |
How does your commute affect Madison, FL car insurance rates?
Madison, FL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Florida can be seen here. Remember, though, that you may have to carry substantially more car insurance in Madison if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,398 | $5,719 |
| Geico | $2,999 | $3,030 |
| Liberty Mutual | $4,413 | $4,706 |
| Nationwide | $3,279 | $3,279 |
| Progressive | $4,603 | $4,603 |
| State Farm | $2,617 | $2,797 |
| USAA | $2,344 | $2,398 |
Who has the cheapest Madison, FL car insurance rates?
Here’s a breakdown of Madison, Florida car insurance rates by company. You can see which company offers the cheapest Madison car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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What are the top Madison, FL car insurance companies?
Which Madison, Florida car insurance company will best fit your needs and budget? Check out this comparison of the top Madison companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,558 |
| Geico | $3,015 |
| Liberty Mutual | $4,560 |
| Nationwide | $3,279 |
| Progressive | $4,603 |
| State Farm | $2,707 |
| USAA | $2,371 |
What factors affect Madison, FL car insurance rates?
Why are Madison, Florida car insurance rates different than rates in St. Petersburg or Tallahassee? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Madison, FL?
More time spent behind the wheel can lead to higher Madison, Florida car insurance rates. In Madison, FL, the average commute length is 18.3 minutes.
What is the traffic like in Madison, FL
Like commute length, time spent in traffic also increase risk of accidents. Madison, FL is listed as 798th in INRIX congested cities data.
Car Insurance Quotes for Madison, FL
Shop for affordable Madison, Florida car insurance rates today. Enter your ZIP code to compare quotes from multiple Madison, FL car insurance companies.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.