Finding cheap auto insurance for a Toyota Highlander depends on a lot of rating factors such as how far you commute, your credit history, and any prior driving offenses you have. Drivers in California will pay on average $1,287 each year to insure their Highlander, but that amount is calculated based on a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you are not 40 and maybe not even a male, married instead of single, or maybe you just want different deductibles. This illustrates why the way we recommend to find cheap insurance rates for your Toyota is to compare rates from as many companies as possible. Quotes are free and you will receive price comparisons from some of the best insurers that sell coverage in California.
Compare Toyota Highlander Insurance Rates
The trim level of your Toyota tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Highlander 2WD model will be $202 cheaper than the insurance cost for the higher-end Highlander Hybrid Limited 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $206 | $342 | $534 | $32 | $160 | $1,274 | $106 |
| Highlander 4WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Highlander Sport 4WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Highlander SE 2WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Highlander Sport 2WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Highlander Limited 2WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Highlander SE 4WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Highlander Limited 4WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Highlander Hybrid 4WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
| Highlander Hybrid Limited 4WD | $260 | $490 | $534 | $32 | $160 | $1,476 | $123 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in vehicle location which can revise price quotes noticeably.
Insuring your vehicle with the top insurer is difficult considering how many choices you have in Irvine. The rank data in the next section can help you choose which providers to look at purchasing a policy from. The ratings below are for companies that insure vehicles across America, so companies with more of a regional focus are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below highlights how deductible selection can influence annual premium costs when getting quotes for cheap insurance for a Toyota Highlander. Data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $520 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $786 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, have the ability to save $1,710 or more by choosing a higher deductible. If you do decide to increase your deductibles, it’s a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Types of discounts on Irvine car insurance rates
Insurance providers that offer quotes for a Toyota Highlander may also offer policy discounts that may potentially lower prices by 25% or more if you meet specific criteria. Larger car insurance companies and some of the discounts are outlined below.
- GEICO has savings for driver training, air bags, defensive driver, emergency military deployment, and multi-policy.
- MetLife offers premium reductions for good driver, claim-free, good student, accident-free, multi-policy, defensive driver
- State Farm may offer discounts for safe vehicle, good student, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
- Progressive includes discounts for multi-policy, good student, online signing, multi-vehicle, online quote discount, and continuous coverage.
- Mercury Insurance may have discounts that include accident-free, age of vehicle, professional/association, multi-policy, annual mileage, and multi-car.
- 21st Century policyholders can earn discounts including homeowners, teen driver, anti-lock brakes, driver training, 55 and older, good student, and defensive driver.
- Allstate discounts include economy car, early signing, anti-lock brakes, utility vehicle, and multi-policy.
The diagram below compares yearly insurance costs with and without discounts applied to the premium. The data is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, passive restraint, claim-free, multiple policy, multiple vehicle, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on car insurance for a Toyota Highlander is 28% or $840.
Chances are good that you’re overpaying for Highlander insurance
Irvine car insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply turning a year older, moving across town, or getting a ticket for careless driving may generate price changes resulting in some rates now being cheaper than others. Also, auto insurance companies change the rates they charge in California as needed in order to maintain liquidity for claims. An unexpected high level of claims can cause additional price hikes, while better underwriting may result in lower-priced Highlander insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Irvine, CA for a 40-year-old male driver with no prior claims, no tickets, and great credit. If we look at prices based on his current rating profile, USAA might offer the lowest car insurance rates in Irvine at $1,148 per year. This is $503 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Irvine, CA auto insurance companies.
In this example, we will give the driver from the first example an at-fault accident, poor credit, and a few blemishes on his driving record. Due to the fact that every insurance company has their own formula for determining rates in each state, analyzing rate quotes could now result in a significantly different list of companies as shown below.
Grange now has the cheapest price in Irvine with Progressive, GEICO, Allstate, and Mercury now rounding out the top five. This demonstrates why it is so important to spend some time comparing rates when trying to get cheap insurance quotes for a Toyota Highlander. Insurance prices are determined by many factors and can change substantially, so the best price when you last compared rates may now not even be in the top five.
If you have questions and prefer to have some professional guidance when shopping for the best coverage for a Toyota Highlander, the agents listed below are willing to help you determine which insurance coverage you need.
To locate an Irvine insurance agent near you, click the button link following the list or click here to compare rates now.
- Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 - Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 - Sharon Leung – State Farm Insurance Agent
18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900
More insurance agents in Irvine, CA
How to find cheaper car insurance for a Toyota Highlander
The list below summarizes some of the recommended money-saving suggestions that can help Irvine drivers buy cheaper coverage.
- At-fault accidents can raise rates significantly
- Pay for smaller claims out-of-pocket
- Get cheaper liability coverage by choosing a safer vehicle
- Maintain a clean driving record
- Drop full coverage on older vehicles
- Buying home and auto together can help save money
- Look for cheaper rates once a year by shopping around
That last tip is extraordinarily critical, as was affirmed in this write-up. Auto insurance prices in Irvine can be adjusted at any time, so don’t be unwilling to buy from a different company if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a good idea if that inflexibility results in costing you a small fortune year after year. It takes less than five minutes to shop around to find cheaper auto insurance for a Toyota Highlander.