Finding the best cheap insurance for a Toyota Highlander in Wisconsin doesn’t take a lot of effort, but it hinges on many factors such as when you were born, your credit history, and driving citations. Drivers in Wisconsin pay approximately $653 each year to insure their Highlander, but that figure is a projection based on a 50-year-old married female driver with full coverage and $250 deductibles.
But there is a high likelihood that you are not 50 and maybe not even a female, single instead of married, or maybe you want different physical damage deductibles. The different assumptions illustrate why the way we recommend to find cheap insurance rates for your Toyota is to just compare rates yourself. Quotes only take a few minutes and you will receive rate quotes from the best companies that insure Toyota vehicles in Wisconsin.
The trim level of your Highlander will likely have an effect on the cost of coverage, so the rate you will pay to insure a Highlander 2WD will be $124 less than the price to insure the more costly Highlander Hybrid Limited 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$154||$248||$216||$12||$64||$694||$58|
|Highlander SE 2WD||$154||$248||$216||$12||$64||$694||$58|
|Highlander Sport 2WD||$154||$248||$216||$12||$64||$694||$58|
|Highlander Limited 2WD||$172||$292||$216||$12||$64||$756||$63|
|Highlander SE 4WD||$172||$292||$216||$12||$64||$756||$63|
|Highlander Limited 4WD||$172||$292||$216||$12||$64||$756||$63|
|Highlander Hybrid 4WD||$172||$292||$216||$12||$64||$756||$63|
|Highlander Hybrid Limited 4WD||$172||$292||$216||$12||$64||$756||$63|
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in garaging location in Madison which can change prices substantially.
Best car insurance in Wisconsin
Selecting a highly-rated car insurance company is hard considering how many companies sell insurance in Madison. The rank data shown next can help you choose which car insurance providers you want to consider when shopping insurance around for a Toyota Highlander. These rankings are only comprised of companies with a nationwide focus, so companies that only write business in Wisconsin or surrounding areas will not be included in this list.
Top 10 Major Auto Insurance Companies in Madison Ranked by Value
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Top 10 Major Auto Insurance Companies in Madison Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Irresponsible driving raises your rates
The best way to snag the most affordable car insurance premiums in Madison for a Highlander is to be a good driver and avoid tickets and accidents. The example below shows how traffic citations and at-fault claims can influence car insurance rates for different age groups. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $1,015. Add in two speeding tickets and the average cost increases to $1,436, an increase of $421 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Highlander jumps again to an average of $3,048. That’s an increase of $2,032, or $169 per month, just for not paying attention while driving!
Discounts on Madison auto insurance
Auto insurance companies that offer coverage for a Toyota Highlander may also provide discounts that could reduce prices by 25% or more if you meet certain criteria. Popular car insurance companies and some of the discounts are:
- State Farm may include discounts for Drive Safe & Save, passive restraint, accident-free, multiple autos, anti-theft, defensive driving training, and good driver.
- Progressive offers discounts including continuous coverage, multi-vehicle, homeowner, good student, online signing, online quote discount, and multi-policy.
- Progressive offers premium reductions for multi-policy, online quote discount, continuous coverage, good student, homeowner, online signing, and multi-vehicle.
- MetLife discounts include defensive driver, good driver, multi-policy, accident-free, claim-free, good student
- Farm Bureau has savings for renewal discount, driver training, multi-vehicle, safe driver, and youthful driver.
- GEICO may offer discounts for multi-vehicle, daytime running lights, five-year accident-free, anti-lock brakes, emergency military deployment, federal employee, and driver training.
- SAFECO has discounts for bundle discounts, homeowner, multi-car, anti-lock brakes, accident prevention training, safe driver, and teen safety rewards.
The diagram below compares premium costs with and without policy discounts. The data assumes a female driver, no accidents or driving violations, Wisconsin state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, defensive driving course, marriage, vehicle safety, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Toyota Highlander is 27% or $383.
How to find low-cost insurance for a Toyota Highlander
It is possible to find better rates, and here are some penny-pinching suggestions that can help Wisconsin drivers find low-cost coverage.
- Drive attentively and avoid accidents
- Avoid filing small claims
- Do not get traffic tickets
- Older vehicles may not need full coverage
- Higher physical damage deductibles lower rates
- Look for cheaper rates once a year by shopping around
The last suggestion is extraordinarily important, as was affirmed in the prior information. Auto insurance rates can change considerably based on profitability, so drivers shouldn’t be resistant to buy a policy from a new company if a cheaper price is available. Staying with the same car insurance company is fine, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. Now is a great time to shop around and find cheaper insurance for a Toyota Highlander in Madison.
The agents listed below are a good start to help you decide which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to get some guidance when shopping for cheaper insurance for a Highlander. It can be time-consuming to find the best policy yourself, so a licensed agent can bring satisfaction knowing your coverage gives you adequate protection in case of an accident or claim.
To find a Madison insurance agent using an interactive map, click the button at the bottom of the list or click here to compare rates now.
Thomas Bradley Insurance
1001 Fourier Dr Suite 100 – Madison, WI 53717 – (608) 845-7979
American Family Insurance – Daniel Piazza
2601 Crossroads Dr Ste 100 – Madison, WI 53718 – (608) 241-9000
Red Barn Insurance Agency
6666 Odana Rd – Madison, WI 53719 – (608) 467-6804