Cheap Toyota Highlander Car Insurance in 2024 (Save Big With These 10 Companies!)

The General, Erie, and USAA offer cheap Toyota Highlander car insurance, with rates starting as low as $50 per month for comprehensive coverage.

Car insurance is an essential aspect of owning a vehicle, providing financial protection in the event of accidents or damage.

Our Top 10 Company Picks: Cheap Toyota Highlander Car Insurance

The cost of car insurance can vary significantly depending on various factors, including the make and model of the vehicle. In the case of the Toyota Highlander, there are several considerations that can impact the cost of insurance coverage. Enter your ZIP code now to begin.

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#1 – The General: Top Overall Pick

Pros

• Affordability: Monthly rates start at just $50, making it an excellent option for Toyota Highlander drivers seeking budget-friendly insurance. This low cost is beneficial for drivers looking to keep expenses manageable while enjoying their vehicle. The A+ rating from A.M. Best assures financial reliability.
• Flexible Payment Plans: Offers various payment options, which can help Toyota Highlander owners manage their premiums easily. This flexibility is ideal for those who need to spread their payments throughout the year. The online platform is user-friendly and convenient. Read more through our The General insurance review.
• Easy Application Process: The straightforward online application is perfect for Toyota Highlander enthusiasts looking to quickly secure insurance. This ease of application is beneficial for those who prefer a hassle-free process. An A+ rating from A.M. Best highlights its stability.

Cons

• Limited Customer Service: The General may not offer as extensive support for Toyota Highlander drivers compared to larger providers. This could result in less personalized service when addressing specific vehicle needs. The limited customer service options might not suit all drivers.
• Fewer Coverage Options: May lack specialized coverage options that Toyota Highlander owners might seek, such as high-value add-ons. This limitation might be a drawback for those looking for more comprehensive protection. The focus on basic coverage might not cater to all preferences.

#2 – Erie: Best for Customer Service

Pros

• Competitive Pricing: With monthly rates starting at $53, Erie offers good value for Toyota Highlander drivers looking for affordable coverage. The balance of cost and service makes it an attractive option. Erie’s competitive pricing is complemented by its strong financial rating.
• Strong Regional Presence: Provides personalized service in the states it operates, which can be advantageous for Highlander enthusiasts seeking localized support. This regional focus helps cater to specific needs and preferences. Erie’s strong regional presence enhances its service quality.
• Broad Coverage Options: Includes various coverage types and add-ons suitable for Toyota Highlander drivers. This flexibility ensures that drivers can customize their insurance to fit their specific needs. Erie’s range of options supports diverse insurance requirements. Read more through our Erie insurance review.

Cons

• Limited Availability: Only available in certain states, which may restrict access for Toyota Highlander drivers in non-covered areas. This geographical limitation might affect those who move or travel frequently. The lack of nationwide presence could be a drawback for some.
• Higher Rates for Some Drivers: Premiums might be higher for drivers with less favorable profiles, which could impact those with a history of claims or poor driving records. Erie’s rates are competitive but may not always be the lowest for all Toyota Highlander drivers.

#3 – USAA: Best for Military Families

Pros

• Exceptional Rates: Starting at $55 per month, USAA offers competitive premiums specifically for military families, including Toyota Highlander owners. This makes it a great choice for those eligible for its benefits. The A++ rating from A.M. Best underscores its superior financial stability.
• Outstanding Customer Service: USAA is renowned for its excellent customer support, ideal for Highlander drivers who value responsive service. The company’s high satisfaction ratings reflect its commitment to quality service. The A++ rating ensures strong reliability. Read more through our USAA insurance review.
• Generous Discounts: Offers multiple discounts for safe driving and bundling policies, benefiting Toyota Highlander enthusiasts looking to save on premiums. These discounts help reduce overall insurance costs. USAA’s commitment to value is reflected in its discount programs.

Cons

• Eligibility Restrictions: Available only to military personnel and their families, limiting access for non-military Toyota Highlander drivers. This exclusivity could be a significant limitation for those who do not qualify. USAA’s specialized focus may not cater to the general public.
• Limited In-Person Locations: Fewer physical branches for face-to-face support, which might be inconvenient for Toyota Highlander owners who prefer in-person interactions. The online-centric model might not meet everyone’s preferences for customer service.

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#4 – American Family: Best for Family Discounts

Pros

• Family Discounts: Offers discounts for families and multiple drivers, starting at $57 per month, which can benefit Toyota Highlander owners with more than one vehicle. This can result in significant savings for households. The A++ rating from A.M. Best highlights its strong financial stability.
• Customizable Coverage: Provides a wide range of coverage options and add-ons, allowing Toyota Highlander drivers to tailor their policies. This flexibility ensures comprehensive protection based on individual needs. American Family’s options help cater to diverse preferences, as mentioned in the American Family insurance review & ratings.
• Good Claims Support: Known for efficient and responsive claims handling, which benefits Toyota Highlander drivers needing timely assistance. This strong support helps ensure smooth processing of claims. American Family’s reputation for claims support is a key advantage.

Cons

• Higher Premiums Without Discounts: Rates can be higher for drivers who do not qualify for available discounts, potentially impacting Toyota Highlander owners without multiple policy options. This can lead to increased costs for those not eligible for savings. American Family’s pricing benefits from discounts but may be higher otherwise.
• Limited Availability: Not available in all states, which might restrict access for Toyota Highlander drivers in non-covered areas. This limitation could be a drawback for those who relocate or travel frequently. The lack of nationwide coverage might affect some customers.

#5 – Nationwide: Best for Multi-Policy Discounts

Pros

• Wide Coverage Options: Includes a broad range of coverage types and add-ons suitable for Toyota Highlander owners seeking comprehensive protection. This flexibility ensures that drivers can access various types of coverage. Nationwide’s extensive options cater to diverse insurance needs.
• Reliable Customer Service: Known for good customer support and efficient claims handling, which is beneficial for Highlander enthusiasts requiring reliable service. Nationwide’s commitment to customer satisfaction enhances its service quality. The A+ rating supports its reputation, as highlighted in the Nationwide insurance review & ratings.
• Strong Nationwide Presence: Available in many states with a network of local agents, providing Toyota Highlander drivers with accessible support. This extensive reach ensures that drivers can receive personalized service. Nationwide’s broad presence helps in delivering localized support.

Cons

• Rates Can Vary: Premiums may differ widely based on location and coverage options, which could affect Toyota Highlander drivers in different regions. This variability can make it challenging to predict costs accurately. Nationwide’s pricing structure may not be consistent.
• Potential for Higher Costs: Without bundling policies, rates may be higher compared to some competitors, impacting Toyota Highlander drivers who do not take advantage of discounts. This can lead to increased premiums for those without multiple policies. Nationwide’s costs can be higher without bundling.

#6 – State Farm: Best for Reliable Service

Pros

• Extensive Agent Network: Provides access to numerous local agents, ideal for Toyota Highlander drivers seeking personalized service. Starting at $61 per month, State Farm’s large network ensures convenient support. The B rating from A.M. Best reflects its solid financial standing, as highlighted in the State Farm insurance review & ratings.
• Good Customer Support: Offers reliable service and support, with agents available to assist Toyota Highlander drivers with various needs. State Farm’s focus on customer service is evident in its widespread agent network. The company’s commitment to satisfaction enhances its quality.
• Discount Opportunities: Includes various discounts for safe driving and multiple policies, which can help Toyota Highlander enthusiasts save on premiums. These discounts can reduce overall insurance costs. State Farm’s discount programs provide additional savings for eligible drivers.

Cons

• Higher Premiums for Some: Premiums may be higher for Toyota Highlander drivers with less favorable profiles or coverage needs. This can lead to increased costs for those with a history of claims or poor driving records. State Farm’s pricing might not be the most competitive for all drivers.
• Limited Online Features: May lack some advanced online tools and features available with other providers, which could impact convenience for tech-savvy Highlander owners. This might affect the ease of managing policies online. State Farm’s digital experience may not be as comprehensive.

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#7 – Farmers: Best for Customizable Coverage

Pros

• Customizable Coverage: Offers a wide range of coverage options and add-ons, which can be tailored for Toyota Highlander drivers. This flexibility ensures that policies can be adjusted to fit specific needs. Farmers’ extensive options support diverse insurance preferences.
• Strong Claims Support: Known for responsive and effective claims handling, which is beneficial for Highlander owners needing timely assistance. Farmers’ focus on claims support helps ensure smooth processing. The company’s reputation in this area adds value.
• Discounts for Bundling: Provides savings for bundling multiple policies, which can help Toyota Highlander drivers reduce their overall insurance costs. These discounts are advantageous for those with multiple insurance needs. Farmers’ bundling options enhance its affordability. Read more through our Farmers insurance review.

Cons

• Higher Costs for Some Drivers: Premiums might be higher for drivers with less favorable profiles, impacting Toyota Highlander owners with specific driving histories. This could result in increased costs for certain individuals. Farmers’ rates may not always be the most competitive.
• Complex Policy Options: The variety of coverage options may be overwhelming for some Toyota Highlander drivers, potentially complicating the decision-making process. This complexity could lead to confusion for those unfamiliar with insurance policies. Farmers’ extensive choices might require careful consideration.

#8 – Progressive: Best for Flexible Plans

Pros

• Affordable Rates: Starting at $63 per month, Progressive offers competitive premiums with various coverage options suitable for Toyota Highlander drivers. This affordability makes it a good choice for budget-conscious individuals. Progressive’s rates are designed to provide value.
• Snapshot Program: Offers a unique usage-based insurance program that could benefit Toyota Highlander owners who practice safe driving habits. The Snapshot program can provide additional savings based on driving behavior. This feature supports cost savings for responsible drivers, according to Progressive insurance review & ratings.
• Strong Online Tools: Features an intuitive online platform and mobile app for easy policy management, which can be beneficial for tech-savvy Highlander drivers. The company’s digital resources enhance the user experience. Progressive’s online tools are user-friendly and efficient.

Cons

• Customer Service Variability: Experiences with customer service may vary, which could impact Toyota Highlander drivers seeking consistent support. Some customers report mixed experiences with service quality. Progressive’s service reliability may differ based on individual experiences.
• Potential for Higher Rates: While generally affordable, rates can be higher for drivers with less favorable profiles or coverage needs. This could affect Toyota Highlander owners who do not qualify for discounts. Progressive’s pricing might not be the most competitive for all drivers.

#9 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: Offers comprehensive roadside assistance, which is highly beneficial for Toyota Highlander drivers who value emergency support on the road. This service includes towing, jump-starts, and lockout assistance. AAA’s roadside help ensures drivers are covered in various situations.
• Good Customer Service: Known for reliable customer support, which is advantageous for Highlander owners needing prompt and effective assistance. AAA’s customer service is well-regarded for its responsiveness and helpfulness. The A rating from A.M. Best underscores its financial reliability. Read more through our AAA insurance review.
• Wide Coverage Area: Available in many states, ensuring that Toyota Highlander drivers have access to support across a broad geographical area. AAA’s extensive network means consistent service regardless of location. This wide coverage enhances its accessibility and convenience.

Cons

• Higher Monthly Rates: Starting at $70 per month, AAA’s premiums may be higher compared to some competitors, which could impact budget-conscious Toyota Highlander drivers. This higher cost might not be ideal for those looking for more affordable options. AAA’s pricing could be a drawback for some.
• Complex Membership Levels: The multiple membership tiers and benefits can be confusing for Toyota Highlander drivers, potentially complicating the selection of the right plan. This complexity might make it challenging to choose the most suitable coverage. AAA’s membership structure could require careful consideration.

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#10 – Mercury: Best for Affordable Rates

Pros

• Affordable Rates: With monthly rates starting at $73, Mercury provides competitive premiums, making it a good choice for Toyota Highlander drivers looking for cost-effective insurance. The affordable pricing is beneficial for those seeking budget-friendly coverage. Mercury’s rates are designed to offer value.
• Variety of Coverage Options: Offers a range of coverage types and add-ons suitable for Toyota Highlander owners seeking customizable insurance. This flexibility ensures that drivers can tailor their policies to their specific needs. Mercury’s options support diverse insurance preferences. Read more through our Mercury insurance review.
• Flexible Payment Plans: Provides various payment options, which can help Toyota Highlander drivers manage their premiums effectively. This flexibility is ideal for those who need to spread out their payments throughout the year. Mercury’s payment plans offer convenience and support financial management.

Cons

• Limited Discounts: Fewer discounts available compared to some competitors, which might impact Toyota Highlander drivers seeking additional savings on their premiums. This could lead to higher costs for those who do not qualify for available discounts. Mercury’s discount options may be more limited.
• Customer Service Concerns: Some drivers report mixed experiences with customer service, which could affect Toyota Highlander owners seeking reliable support. Inconsistent service experiences might be a drawback for those needing prompt assistance. Mercury’s customer service might not meet all expectations.

Factors That Affect Toyota Highlander Car Insurance Rates

Insurance companies consider multiple factors when determining the cost of car insurance for a Toyota Highlander. The vehicle’s value is a key factor, with newer models potentially leading to higher premiums due to their higher replacement cost. The trim level of the Highlander also influences rates, as different trims offer varying performance, safety features, and overall value.

Toyota Highlander Car Insurance Monthly Rates by Coverage Level & Provider

Driver age and driving history play significant roles; younger drivers and those with a history of accidents or violations typically face higher car insurance rates. Location affects premiums as well, with areas prone to traffic congestion or theft potentially leading to increased costs. Credit scores can impact insurance rates in some states, with good credit often resulting in lower premiums.

Annual mileage is another consideration, as higher mileage can raise the risk and insurance costs. The insurance coverage options selected, including liability, comprehensive, collision, and personal injury protection (PIP), also affect rates.

Additionally, the Toyota Highlander’s safety features, such as lane departure warning and automatic emergency braking, can qualify for discounts on car insurance. Finally, a driver’s claim history can impact insurance costs, with frequent claims potentially leading to higher premium.

Understanding the Insurance Coverage Options for a Toyota Highlander

When insuring a Toyota Highlander, it’s essential to understand the coverage options available. Liability Coverage protects you if you’re at fault in an accident causing injury or property damage. Comprehensive Coverage safeguards against theft, vandalism, and other non-collision-related damages.

Collision Coverage helps with repair or replacement costs if your Highlander is involved in a collision. Personal Injury Protection (PIP) covers medical expenses for you and your passengers regardless of fault.

Additional options include Rental Reimbursement to cover rental car costs during repairs, Uninsured/Underinsured Motorist Coverage for accidents with inadequately insured drivers, Roadside Assistance for towing and emergency services, and gap Insurance to cover the difference between your Highlander’s value and your loan or lease amount in case of a total loss.

These options influence “how much is car insurance” for your Toyota Highlander and help tailor coverage to your needs. Enter your ZIP code now to begin comparing.

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Average Cost of Insuring a Toyota Highlander Across Different States

The cost of insuring a Toyota Highlander can vary significantly depending on the state in which the vehicle is registered. Factors influencing the average cost of insurance include state-specific regulations, minimum coverage requirements, traffic density, crime rates, and regional insurance market competition.

Additionally, the inclusion of personal injury protection (PIP) insurance can affect your premiums, as some states require PIP coverage or offer it as an optional add-on. It is essential to research and compare quotes from multiple insurance providers to secure the most competitive rates for a Toyota Highlander in your state, considering how PIP insurance impacts overall costs.

Tips for Finding the Best Car Insurance Rates for a Toyota Highlander

While insurance rates for a Toyota Highlander can vary, there are several tips to help you find the best car insurance rates. Shop around by obtaining quotes from multiple insurance companies to compare rates and coverage options.

Consider deductibles; adjusting them can impact premium costs, with higher deductibles potentially lowering premiums but increasing out-of-pocket expenses in the event of a claim.

Bundle policies by combining your auto and homeowners insurance with the same provider, which may lead to discounted rates. Additionally, if you have a business, consider how business insurance might interact with your personal auto insurance, as some policies may offer combined discounts.

Look for discounts such as safe driver discounts, multi-car discounts, or loyalty discounts. Finally, maintain a good driving record by adhering to traffic laws and keeping a clean driving record, which can help reduce insurance costs. Enter your ZIP code now to begin comparing.

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