Buying competitive car insurance for a Toyota Highlander is pretty easy to do, but it hinges on a lot of things such as whether you are male or female, the performance level of your vehicle, and any driving offenses on your record. California drivers pay on average $1,605 each year for Highlander insurance, but that figure is a valuation based on a 30-year-old married female driver with full physical damage coverage and $100 deductibles.
But there is a high probability that you’re not a 30-year-old female, single instead of married, or maybe you just want liability only. Have just a small change in rating variables or coverage information could end up in a significant change in how much insurance for a Toyota Highlander costs.
This illustrates why the best way to find cheap auto insurance rates for your Toyota is to compare rates from as many companies as possible.
Find Cheaper Toyota Highlander Insurance
The specific trim level will be a contributing factor to the insurance rate, so the cost to insure a Highlander 2WD model will be $334 cheaper than the insurance cost for the fancier Highlander Hybrid Limited 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $368 | $554 | $450 | $26 | $134 | $1,532 | $128 |
| Highlander 4WD | $416 | $672 | $450 | $26 | $134 | $1,698 | $142 |
| Highlander Sport 4WD | $416 | $672 | $450 | $26 | $134 | $1,698 | $142 |
| Highlander SE 2WD | $416 | $672 | $450 | $26 | $134 | $1,698 | $142 |
| Highlander Sport 2WD | $416 | $672 | $450 | $26 | $134 | $1,698 | $142 |
| Highlander Limited 2WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
| Highlander SE 4WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
| Highlander Limited 4WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
| Highlander Hybrid 4WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
| Highlander Hybrid Limited 4WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in San Diego location which can impact premiums significantly.
Finding out which company has the lowest-priced car insurance rates for a Toyota Highlander may require a bit more work in order to find the best price. Each auto insurer uses a little different formula for determining rates in each state, so let’s examine the car insurance companies with the overall cheapest rates in San Diego.
It’s a good idea to know that San Diego, CA car insurance rates are impacted by many things that may substantially change the cost of coverage. Simply having a birthday, increasing liability limits, or having an accident may prompt premium changes that may make certain companies more affordable than the competition.
Best Auto Insurance Prices for Your Highlander
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,214 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Mercury | $1,548 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA may offer some of the cheapest car insurance rates in San Diego at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also make the cut as some of the lowest-priced San Diego, CA auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Nationwide and switched to Wawanesa, you could earn an annual savings of roughly $34. Insureds with CSAA could save as much as $42 a year, and 21st Century insureds might see rate reductions of $174 a year.
Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for a Toyota Highlander. So the company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to get quotes using your own driver information and specific vehicle type.
Rate increases following a ticket or accident
One of the best ways to snag the cheapest car insurance prices in California for a Highlander is to be a cautious driver and not receive tickets or have accidents. The information below illustrates how traffic citations and at-fault collisions can influence insurance prices for each age group. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $2,021. Get written up for two speeding tickets and the average cost rises to $2,783, an increase of $762 each year. Then include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Highlander increases to an average of $3,550. That’s an increase of $1,529, or $127 per month, just for not driving attentively!
Shop around and save
San Diego car insurance rates are determined by lots of factors which can substantially change the policy price. Simply getting older, moving to a different location, or getting a driving violation can trigger price changes resulting in some companies being cheaper than before. In addition to those changes, auto insurance companies file new California auto insurance rates as often as every quarter to ensure their profitability. Higher than usual claims may cause increased rates, while profitable underwriting can produce cheaper Highlander insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in San Diego, CA for a 45-year-old male driver with no accidents or violations, and a good credit rating. If we estimate rates based on his personal risk profile, USAA offers the most affordable car insurance rates in San Diego at $1,140 each year. This is $511 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest San Diego, CA auto insurance companies.
Now we will give the driver from the first rate comparison a couple of claims, a lower credit score, and an imperfect driving record. Since each auto insurance company has a proprietary formula to determine rates, comparing quotes will most likely result in a different set of the cheapest companies as shown below.
Grange now has the best car insurance rate in San Diego with Mercury, Allstate, GEICO, and Allied completing the list. This example shows why drivers need to shop around to find the most economical car insurance quotes for a Toyota Highlander.
Insurance prices are calculated by many factors and can change substantially, so the cheapest option when you bought your policy may now be quite expensive.