Who Has Cheap Insurance for a Honda Pilot in Wisconsin?

Your chances of finding cheaper car insurance for a Honda Pilot in Wisconsin hinges on a calculation that uses factors like how safe your vehicle is, where you live, and citations or violations on your driving record. Drivers in Wisconsin will pay around $710 per year for Pilot insurance, but that price is an approximation based on rate data for a 50-year-old single male driver who requires full coverage including both comprehensive and collision and $250 policy deductibles.

There’s a high likelihood you are not 50 and possibly not even male, you might be married instead of single, or maybe your Pilot is an older model. Auto insurance requires individual risk assessment, so your best chance at finding cheap car insurance rates for your Honda is to shop your policy around every couple of years. Quotes are free and easy and you will receive prices from the best auto insurance companies that offer coverage in Wisconsin.

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The trim level of your Pilot will have an impact the coverage cost, so the rate you will pay to insure a Pilot LX 2WD will be $74 less than the cost to insure the more well-appointed Pilot Touring 4WD model, as shown in the table below.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can affect coverage prices substantially.

Selecting the top insurance provider can be challenging considering how many companies sell coverage in Wisconsin. The ranking data in the next section may help you analyze which companies to look at to insure your vehicles.

These ratings are only made up of the largest auto insurers in America, so companies without a large exposure are not factored into these rankings. To check rates from these and other companies in Wisconsin, just click here.

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Honda Pilot in Wisconsin is the goal of the majority of people, and one easy way to find cheap insurance is to buy only liability coverage. The diagram below compares car insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

As an overall average, comp and collision coverage costs an extra $1,168 per year over liability only. Many drivers may wonder when is it a good idea to stop buying full coverage. There is no definitive rule for dropping physical damage insurance, but there is a general convention. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s claim settlement value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,500 after you pay the deductible. If it’s costing in excess of $350 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Company comparison: Progressive vs Geico vs State Farm vs Allstate

If you are looking for the best insurance for a Pilot, some of the first companies to look at are Progressive, Geico, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different options that you can select from. The next table points out some of the different features that are available for buyers.