Best Cheap Insurance Quotes for a Toyota Highlander in Tennessee

The odds of finding affordable insurance for a Toyota Highlander in Tennessee depends on many factors like your age, whether you are claim-free, and if you have a history of accidents. Tennessee drivers on average pay around $930 every 12 months to insure their Highlander, but that amount is an estimate using rating data for a 30-year-old single female driver who requires full comprehensive and collision coverage and $1,000 deductibles.

This brings up the issue that more than likely you are not 30 and possibly not even female, married instead of single, or maybe your Highlander doesn’t need full coverage. What seems to be a small difference in rating criteria or coverage limits can induce significant differences in quoted rates.

Auto insurance is not “one size fits all”, so the only way to find the cheapest coverage for your Toyota is to start the habit of comparing rates at least once a year.

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The trim level of your Highlander can impact the insurance rate, so the rate you pay to insure a Highlander 2WD model will be $140 lower than the cost to insure the fancier Highlander Hybrid Limited 4WD trim level, as shown in the table below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in Tennessee location which can change coverage prices noticeably.

Determining which companies have the cheapest insurance rates for a Toyota Highlander will require a little more sweat in order to find coverage that fits your buget. Each insurer has their own process for determining rates, so let’s look at the rankings for the insurance companies that tend to have lower prices in Tennessee.

We do need to point out that Tennessee insurance rates are impacted by many things that may substantially change the price you pay for coverage. Improving your credit rating, having a teenage driver, or getting a driving violation can produce rate changes that can cause some rates to be more affordable than others.

Best Insurance Companies for Your Highlander

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Utica National offers some of the most affordable car insurance rates in Tennessee at around $760 per year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also some of the cheapest Tennessee insurance companies.

As illustrated above, if you currently have coverage with USAA and switched to Auto-Owners, you might achieve an annual premium reduction of in the vicinity of $95. Customers with Tennessee Farmers might save as much as $109 a year, and Erie policyholders might cut rates by $145 a year.

To find out how much you can save, click here to start a quote or quote rates from the companies below.

Remember that these estimates are averaged across all drivers and vehicles and are not factoring in a specific rate factor for a Toyota Highlander. So the insurer that can offer you the best rate may not even be shown in the list above. That helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.

How to get discounts on Tennessee auto insurance

Insurers that offer the best cheap insurance for a Toyota Highlander in Tennessee may also provide discounts that could lower prices by as much as 40% or more if you are eligible for them. The best insurance companies and a partial list of their discounts are detailed below.

The information below shows the difference between insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Tennessee state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, multiple policy, claim-free, accident-free, and anti-theft discounts applied. In this example, the the amount saved on insurance for a Toyota Highlander is % or $.

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Which major car insurance company is best?

When comparing rates for insurance for a Highlander in Tennessee, four of the best places to start are Geico, Progressive, Allstate, and State Farm. If you add them together, they insure over 48% of the car insurance market in the United States. The table below illustrates pricing and service ratings, as well as optional policy coverages that may be available in Tennessee.