Cheapest Insurance Quotes for a Toyota Highlander in North Carolina

Our staff writers always rib each other than when writing about car insurance, the words “cheap” or “affordable” shouldn’t be used anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Toyota Highlander is almost non-existent. But don’t let us ruin your dream, because we can show you some ways you can find and buy coverage that works with your budget.

The likelihood of finding cheaper auto insurance for a Toyota Highlander in North Carolina is contingent on a complicated equation that takes into consideration things like how old the vehicle is, whether or not you garage your vehicle, and if your driving record is clean. Drivers in North Carolina will pay on average $730 annually to buy insurance for a Toyota Highlander, but that amount is an estimate based upon a 30-year-old married female driver that has full coverage and $500 physical damage deductibles.

It’s highly likely that you’re not a 30-year-old female, maybe you are single instead of married, or you just prefer to insure for liability only. Every auto insurance policy is unique to the driver, so the most reliable way to find cheap insurance prices for your Toyota is to shop around at every renewal for lower rates.

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Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the cost to insure a Highlander 2WD model will be $130 lower than the price to insure the more well-appointed Highlander Hybrid Limited 4WD version, as shown in the chart below.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can affect premiums greatly.

Ending up with a highly-rated insurance provider can be rather challenging considering how many companies provide coverage in North Carolina. The company ratings displayed below could help you choose which providers to look at when comparing rates. The rankings below are for the largest auto insurers in America, so smaller companies are not included in these rankings.

Top 10 Large Car Insurance Companies in North Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Large Car Insurance Companies in North Carolina Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top Companies for Toyota Highlander Insurance in North Carolina

Discount North Carolina car insurance rates

Car insurance companies that sell the cheapest insurance for a Toyota Highlander in North Carolina may also give you special discounts that could potentially reduce rates by 40% or more if you can meet the requirements. Larger auto insurance companies and the discounts they provide can be read below.

The diagram below visualizes the comparison of car insurance rates with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, claim-free, anti-theft, vehicle safety, passive restraint, and accident-free discounts applied. When these discounts are applied, the the average amount saved on auto insurance for a Toyota Highlander is 37% or $498.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2395,1729],[‘Age 30’, 1677,1219],[‘Age 40’, 1551,1129],[‘Age 50’, 1359,989],[‘Age 60’, 1313,955],[‘Age 70’, 1519,1101]]);var options = {title: ‘Comparison of Insurance Rates for a Toyota Highlander’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Why are you paying too much for Highlander insurance?

North Carolina auto insurance rates are calculated based on many things which can substantially change the cost of a policy. Simply having another birthday, getting married, or having a fender bender may cause policy rate changes that may make certain companies more affordable than the competition. And not only may your rating factors change, but auto insurance companies change their prices multiple times each year in order to protect their financial rating. Heavy losses may cause increased rates, while a better loss history can result in lower-priced Highlander insurance rates.

To illustrate this point, the chart below shows which company has the cheapest car insurance in North Carolina for a 45-year-old female driver with no prior accidents, a clean driving record, and solid credit. When quoting prices based on her personal profile, Progressive might quote the most affordable car insurance rates in North Carolina at $639 annually. This is $233 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, GEICO, and NC Farm Bureau are also included in the cheapest North Carolina auto insurance companies.

google.charts.setOnLoadCallback(drawNCWitcqcibChart);function drawNCWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Progressive’, 639, ‘#187C6B’],[‘Utica National’, 662, ‘#146759’],[‘Liberty Mutual’, 707, ‘#10554A’],[‘GEICO’, 728, ‘#0D463D’],[‘NC Farm Bureau’, 730, ‘#0A3A32’]]);var options = {title: ‘Best Car Insurance Rates for a Toyota Highlander’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:830,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver from above an accident claim, a lower credit score, and a traffic citation. Since every car insurance company has a different process to establish rates, comparing quotes most likely will result in a new list of cheap North Carolina auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawNCWcqcibChart);function drawNCWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Titan’, 826.1, ‘#C76400’],[‘State Farm’, 831.6, ‘#A55300’],[‘Auto-Owners’, 937.2, ‘#894500’],[‘National General’, 969.1, ‘#723900’],[‘Travelers’, 990, ‘#5F2F00’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1090,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Titan now has the cheapest rate in North Carolina with State Farm, Auto-Owners, National General, and Travelers now rounding out the top five. This example illustrates why North Carolina drivers need to perform a complete rate comparison when trying to find the most economical insurance rates for a Toyota Highlander. Insurance prices are influenced by many factors and can change without notice, so the lowest-price company the last time you compared rates may now be wasting a lot of money.

How to find cheaper insurance for a Toyota Highlander

It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help North Carolina drivers locate low-cost coverage.

• If possible, pay for small claims out-of-pocket
• The safer your car, the less it costs to insure
• Do not get into accidents that are your fault
• Avoid getting citations and tickets
• Do not waste money insuring older vehicles for full coverage
• Bundle car and home insurance and save money
• Look for cheaper rates once a year by shopping around

The last idea is extraordinarily crucial, as was discussed in this article. Auto insurance rates in North Carolina change a lot, so drivers shouldn’t be resistant to change to a new company if a better rate can be found.

Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying thousands of dollars over several years. Now is a great time to compare prices to find cheaper car insurance for a Toyota Highlander.