Toyota Highlander insurance image courtesy of QuoteInspector.com
Buying the best cheap coverage for a Toyota Highlander in California doesn't take a ton of time, but it depends on an enormous amount of rating factors such as age of the vehicle, your credit history, and any prior driving offenses you have. Drivers in California pay on average $1,832 per year for Highlander insurance, but that is an approximation calculated based on a 30-year-old single female driver with full coverage and $250 deductibles.
If we were betting, you're not a 30-year-old female, you might be married instead of single, or maybe your Highlander is old enough that it doesn't require full coverage. There is no perfect policy for every driver, so the best way to find cheap car insurance rates for your Toyota is to just take the time to compare rates yourself.
Cheapest Toyota Highlander Insurance Rates
The specific model of Highlander impacts the cost of insurance, so the rate you will pay to insure a Highlander 2WD trim level will be $350 less than the price to insure the higher-end Highlander Hybrid Limited 4WD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| Highlander 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Sport 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander SE 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Sport 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Limited 2WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander SE 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Limited 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Hybrid 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Hybrid Limited 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise prices greatly.
Best insurance in California
Selecting a highly-rated auto insurance company is difficult considering how many companies are available to choose from in California. The ranking data displayed below can help you choose which insurers to look at when shopping insurance around for a Toyota Highlander. These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in California are not factored into this list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Stockton car insurance
Auto insurance companies that provide coverage for a Toyota Highlander may also provide premium discounts that can reduce rates by 25% or more if you meet certain criteria. A list of insurance companies and their offered discounts are shown below.
- GEICO discounts include daytime running lights, seat belt use, anti-theft, federal employee, and multi-vehicle.
- MetLife has savings for good driver, accident-free, claim-free, good student, defensive driver, multi-policy
- State Farm offers premium reductions for good driver, multiple autos, accident-free, defensive driving training, and Drive Safe & Save.
- Progressive offers discounts including online quote discount, continuous coverage, multi-policy, good student, and online signing.
- Mercury Insurance may have discounts that include anti-theft, ease of repair, accident-free, age of vehicle, multi-car, type of vehicle, and good student.
- 21st Century has discounts for early bird, student driver, automatic seat belts, 55 and older, theft prevention, and homeowners.
- Allstate offers discounts for economy car, early signing, new car, teenSMART discount, multi-policy, and resident student.
The illustration below compares insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, anti-theft, claim-free, homeowner, accident-free, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Toyota Highlander is 28% or $663.
Rate comparison of full coverage and liability-only
Buying cheaper insurance is the goal of the majority of vehicle owners, and one of the best ways to find cheaper insurance for a Toyota Highlander is to only buy liability coverage. The diagram below shows the difference between car insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $250 deductibles, single status, and no discounts are applied to the premium.
On average, full coverage on your policy costs an additional $2,798 per year more than buying just liability insurance. That proposes the question when is the right time to remove full coverage. There is no exact formula for excluding physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
Compare rates to save
California insurance rates are calculated based on many things that will increase or decrease the policy premium. Getting older, buying a different home, or having an accident may cause policy rate changes resulting in some rates now being more affordable than the competition. Not only may your risk profile change, but insurance companies change the rates they charge in California without warning in order to protect their financial rating. An extended period of higher than normal claims can cause increased rates, while a profitable period can produce more affordable Highlander insurance rates.
As an example, the graph below shows rates for the cheapest car insurance in Stockton, CA for a 30-year-old male driver with no accidents or violations, and a good credit rating. If we estimate prices based on his current risk factors, USAA may have the most affordable car insurance rates in Stockton at $1,337 a year. This is $314 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the top five cheapest Stockton, CA auto insurance companies.
Let's now give the driver in the first chart some claims, poor credit, and an imperfect driving record. Since each company uses their own calculation for filing rates in each state, comparing prices could result in a different set of affordable Stockton car insurance companies as shown below.
Grange now has the cheapest car insurance in Stockton, CA with Progressive, GEICO, Allied, and Allstate also having competitive pricing. This example illustrates why it is critical to spend some time comparing rates when trying to find the best auto insurance rates for a Toyota Highlander.
Rates are impacted by many risk factors and can increase or decrease at any time, so the cheapest company when you last compared rates may now be costing you a lot of money.
How to find more affordable auto insurance for a Toyota Highlander
Here are a few money-saving suggestions that can help drivers locate low-cost auto insurance.
- If your vehicles are older, consider dropping full coverage
- Safe vehicles cost less to insure
- Drive attentively and avoid accidents
- Drive safely
- Increase deductibles to save money
- Good credit can mean cheaper rates
- Ensure you have the best deal by shopping around regularly
The last tip in the list is highly important, as we pointed out in this write-up. Coverage rates can be changed at any time, so drivers shouldn't be resistant to change insurance companies if you find a cheaper price.
Having a favorite company is fine, but we do not recommend it if that inflexibility results in costing you hundreds of dollars year after year. Now is a great time to compare rates and find cheaper auto insurance for a Toyota Highlander in Stockton.
If you aren't sure which coverage you need and prefer to have a professional recommendation when shopping for cheaper insurance for a Toyota Highlander, the agents shown below are willing to help you make a decision which coverages are best.
To find a Stockton insurance agent near you, click the button following the list.
- Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 - Stockton, CA 95207 - (209) 405-1088 - State Farm: Don Guzman
4719 Quail Lakes Dr f - Stockton, CA 95207 - (209) 473-9401 - Truex Insurance Agency
4609 Quail Lakes Dr #1 - Stockton, CA 95207 - (209) 477-1111 - Dohrmann Insurance Agency, Inc.
3415 Brookside Rd - Stockton, CA 95219 - (209) 478-1400