Who Has Affordable Auto Insurance Rates for a Toyota Tacoma in Madison?

Buying cheaper auto insurance for a Toyota Tacoma in Wisconsin is pretty easy to do, but it hinges on many rating criteria such as whether you are married, your credit rating, and your choice of deductibles. Drivers in Wisconsin pay on average $469 per year for Tacoma insurance, but that is an estimate using a 50-year-old married female driver with full coverage and $1,000 deductibles.

When projecting a rate like this, the problem is that you may not be 50 years old (or even female), possibly single instead of married, or maybe you just want liability only. Just a slight change in rating variables or coverage information can result in a big discrepancy in rates.

This shows why the way we recommend to find cheap insurance rates for your Toyota is to do the rate comparisons yourself. Quotes are free and easy and you will receive price comparisons from the best auto insurance companies available.

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Your vehicle’s trim level will have an impact the cost of insurance, so the price you will be charged to insure a Tacoma 2WD will be $22 lower than the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD trim level, as demonstrated by the prices below.

Toyota Tacoma Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $74 $156 $216 $12 $64 $522 $44
Tacoma 4WD $84 $128 $216 $12 $64 $504 $42
Tacoma Double Cab 4WD $84 $156 $216 $12 $64 $532 $44
Tacoma X-Runner 2WD $84 $184 $216 $12 $64 $560 $47
Tacoma Double Cab 4WD $96 $156 $216 $12 $64 $544 $45
Tacoma Double Cab TRD Off-Road Package 4WD $96 $156 $216 $12 $64 $544 $45
Tacoma Double Cab TRD Sport Package 4WD $96 $156 $216 $12 $64 $544 $45
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific garaging location which can change premium rates significantly.

Finding good, cheap auto insurance is not easy, and finding out which companies offer the most affordable car insurance rates for a Toyota Tacoma calls for a little more work. Each insurer uses a little different formula to determine rates, so let’s take a look at the car insurance companies with the overall best prices in Madison, WI.

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Wisconsin car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $626
3 Erie $696
4 Rockford Mutual $754
5 Nationwide $768
6 Pekin Insurance $768
7 Western National $769
8 Rural Mutual Insurance $779
9 Integrity Mutual $794
10 Travelers $804
11 West Bend Mutual $899
12 State Farm $905
13 General Casualty $936
14 Auto Club Group $939
15 The Hartford $940
16 American Family $1,137
17 Farmers $1,141
18 Auto-Owners $1,148
19 Progressive $1,152
20 GEICO $1,190
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USAA has some of the most affordable car insurance rates in Madison at around $604 annually. Partners Mutual, Erie, Rockford Mutual, and Nationwide also are some of the more affordable Madison, WI insurance companies.

As the rates illustrate above, if you are a policyholder with Partners Mutual and switched to USAA, you might achieve yearly savings of upwards of $22. Policyholders with Erie could save as much as $92 a year, and Rockford Mutual policyholders might lower prices by up to $150 a year.

Be aware that those rates are averages across all drivers and vehicles and do not take into consideration a specific location for a Toyota Tacoma. So the insurer that has the cheapest rates for you may not even be in the top 30 companies shown above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

How to get discounts on Madison auto insurance rates

Save on car insurance for a Tacoma in MadisonCar insurance companies that offer quotes for a Toyota Tacoma may have rate discounts that can reduce rates by 40% or more if you are eligible. A few of the larger companies and some of the discounts are shown below.

The example below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving violations, Wisconsin state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, anti-theft, defensive driving course, multiple vehicle, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on car insurance for a Toyota Tacoma is 28% or $309.

Here’s why you should compare rates often

Madison car insurance rates are based on many factors which can significantly increase or decrease the policy price. Improving your credit score, having a claim, or having a fender bender may generate price changes resulting in some companies being more affordable than before. Not only may your risk profile change, but insurers change their prices as needed to help ensure profitability. An extended period of higher than normal claims can result in more expensive premiums, while lower claim expenses may cause cheaper Tacoma insurance rates.

To illustrate this example, the data below shows rates for the cheapest car insurance in Madison, WI for a 30-year-old female driver with no prior claims, no tickets, and a good credit history. When comparing rates based on her personal risk profile, USAA may offer the lowest car insurance rates in Madison at $665 a year. This is $496 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are also on the list of the best Madison, WI auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example a claim or two, bad credit, and a speeding ticket. Since each insurance company has a unique approach for filing rates in each state, comparing rates may now show a different ranking of affordable Madison car insurance companies as shown below.

Pekin Insurance now has the lowest car insurance rate in Madison with Integrity Mutual, Travelers, Western National, and Partners Mutual also being competitive. This demonstrates why consumers need to spend some time comparing rates to find cheap auto insurance quotes for a Toyota Tacoma. Rates are determined by many factors and can decrease or increase without notice, so the most economical company when you bought your policy may now be quite expensive.

Tips for buying the cheapest auto insurance for a Toyota Tacoma

The list below summarizes a few thrifty suggestions that can help Madison drivers find low-cost car insurance.

The last suggestion is notably necessary, as we hit on in this article. Car insurance prices can change in a short period of time, so don’t hesitate to change insurance companies if a better deal can be had.

Loyalty to a specific company is fine, but it isn’t a good idea if that dedication is costing a lot of money every month. Now is a great time to compare rates and find cheaper car insurance for a Toyota Tacoma in Madison.