Finding the best cheap auto insurance for a Toyota Highlander in California hinges on many rating factors such as your marital status, if you are a frequent claim filer, and if you have tickets or violations. California drivers pay on average $1,410 each year for Highlander insurance, but that amount is an approximation based upon a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 50 years old (or even male), single instead of married, or you just prefer to insure for liability only. Just a minor difference in rating criteria can make a big difference in the amount insurance costs for a Toyota Highlander.
Different coverage needs are the reason why the only way to find cheap auto insurance rates for your Toyota is to compare as many rates as you can. Quotes only take a couple of minutes and you will receive prices from top-rated car insurance companies that insure vehicles in California.
The trim level of your vehicle can impact the yearly cost, so the cost to insure a Highlander 2WD will be $284 less expensive the cost to insure the higher-priced Highlander Hybrid Limited 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$334||$584||$424||$26||$126||$1,494||$125|
|Highlander SE 2WD||$334||$584||$424||$26||$126||$1,494||$125|
|Highlander Sport 2WD||$334||$584||$424||$26||$126||$1,494||$125|
|Highlander Limited 2WD||$372||$688||$424||$26||$126||$1,636||$136|
|Highlander SE 4WD||$372||$688||$424||$26||$126||$1,636||$136|
|Highlander Limited 4WD||$372||$688||$424||$26||$126||$1,636||$136|
|Highlander Hybrid 4WD||$372||$688||$424||$26||$126||$1,636||$136|
|Highlander Hybrid Limited 4WD||$372||$688||$424||$26||$126||$1,636||$136|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.
Figuring out which company quotes the lowest-priced car insurance rates for a Toyota Highlander will require a bit more effort than just picking a company at random. Every car insurance company uses their own method to establish rates, so we’ll go over the car insurance companies with the most affordable rates in California.
It’s important to know that California car insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply turning a year older, having a teen driver, or getting a reckless driving citation may cause policy rate changes that can cause some rates to be affordable when they were higher priced.
Lowest Insurance Price Quotes for Your Highlander
|Rank||Company||Cost Per Year|
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Wawanesa offers some of the cheapest car insurance rates in Los Angeles at around $1,146 a year. This is $505 less than the average price paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide would also make the list of some of the most economical Los Angeles, CA auto insurance companies.
In this example, if you are a policyholder with Nationwide and switched to USAA, you might see an annual savings of approximately $108. Insureds with 21st Century might save as much as $170 a year, and Grange insureds might cut rates by $278 a year.
To find out how much you can save, click here to begin a quote or quote prices from the following companies.
Understand that those premium estimates are averaged for all drivers and vehicles and are not factoring in a specific vehicle garaging location for a Toyota Highlander. So the insurer that fits your age and vehicle best may not even be in the top 24 companies shown above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.
Liability rates compared to full coverage
Finding the cheapest car insurance is probably important to most drivers, and one of the fastest ways to pay lower rates for insurance for a Toyota Highlander is to not buy full coverage. The example below shows the difference between insurance rates when comparing full coverage to liability only. The data is based on no claims or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
If the expense is averaged for all age categories, physical damage coverage on your policy costs $3,345 per year more than insuring for liability only. A very common question is if buying full coverage is worth the expense. There is no exact formula that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Driving violations and accidents
In a perfect world, the best way to maintain low car insurance prices for a Highlander is to drive cautiously and avoid accidents and traffic violations. The information below illustrates how violations and at-fault claims increase insurance prices for different age groups. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $2,161. Get written up for two speeding tickets and the average cost surges to $3,075, an increase of $914 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance for a Toyota Highlander increases to an average of $6,379. That’s an increase of $4,218, or $352 per month, just for not driving responsibly!
Discounts on Los Angeles car insurance
Auto insurance companies that offer quotes for a Toyota Highlander may additionally offer price discounts that may potentially lower prices by 25% or more if you meet the requirements. A list of companies and a selection of discounts are outlined below.
- Farmers Insurance offers premium reductions for alternative fuel, electronic funds transfer, switch companies, pay in full, early shopping, good student, and homeowner.
- Esurance offers discounts including defensive driver, renters, good student, online quote, and anti-lock brakes.
- State Farm offers discounts for accident-free, anti-theft, Steer Clear safe driver discount, passive restraint, and good student.
- GEICO may include discounts for emergency military deployment, daytime running lights, anti-lock brakes, driver training, and seat belt use.
- Allstate discounts include economy car, anti-theft, safe driver, senior citizen, multi-policy, and utility vehicle.
The illustration below illustrates the difference between insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, defensive driving course, safe-driver, marriage, passive restraint, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a Toyota Highlander is 28% or $695.