Who Has Cheap Insurance for a Toyota Highlander in West Virginia?

Your odds of finding cheap car insurance for a Toyota Highlander in West Virginia relies on a very complex rating algorithm that uses multiple factors such as miles driven annually, if you currently have coverage, and any prior driving offenses. Drivers in West Virginia will pay on average $1,540 annually to insure a Highlander, but that price is rating a 30-year-old single male driver that included full comprehensive and collision coverage and $100 physical damage deductibles.

But there is a good chance that you may not be 30 years old (or even male), possibly married instead of single, or maybe you just want to insure for liability only. Changing even a minor factor in policy rating data can cause big differences in the cost of a policy.

This illustrates why the way we recommend to find the cheapest coverage for your Toyota is to make a habit of comparing rates at every renewal.

Insure Your Toyota for Less

The trim level of your Highlander will be a contributing factor to the cost of coverage, so the price you will pay to insure a Highlander 2WD will be $296 cheaper than the insurance cost for the fancier Highlander Hybrid Limited 4WD version, as shown in the chart below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in your specific West Virginia location which can raise or lower coverage rates greatly.

Finding decent, low-priced auto insurance is not the easiest thing to accomplish, and finding out which companies have the cheapest insurance rates for a Toyota Highlander will require even more shopping around. Each auto insurer uses a slightly different approach to determine premium rates, so let’s begin by examining the insurance companies that tend to have lower prices in West Virginia.

Keep in mind that West Virginia insurance rates are influenced by many factors which can substantially change the price you have to pay for coverage. Events like turning one year older, adding a teenager to your policy, or having an at-fault accident can trigger changes in premium resulting in some companies being more affordable than the competition.

Best Cheap Insurance Rates for Your Highlander

Click to Compare Rates Now

Erie offers some of the best car insurance rates in West Virginia at around $931 a year. The Hartford, State Auto, Westfield, and USAA are also some of the lowest-priced West Virginia insurance companies.

In the above example, if you have coverage with The Hartford and switched to Erie, you could see an annual premium reduction of in the vicinity of $118. Policyholders with State Auto may save as much as $335 a year, and Westfield insureds might cut rates by $383 a year.

To see if your current coverage is too expensive, click here or feel free to get quotes from the companies below.

It’s important to note that these premiums are averages for all ages of drivers and types of vehicles and do not factor in a specific rate value for a Toyota Highlander. So the company that fits your age and vehicle best may not even be included in the above rate chart. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

Discounts on cheap insurance for a Toyota Highlander in West Virginia

Insurance providers that provide coverage for a Toyota Highlander may also provide rate discounts that may potentially lower prices by 25% or more if you qualify for them. A few popular companies and a partial list of their discounts are shown below.

The chart below compares insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, West Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, homeowner, marriage, multiple vehicle, multiple policy, and safe-driver discounts applied. When discounts are applied, the the average yearly reduction on insurance for a Toyota Highlander is 13% or $172.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4331,3119],[‘Age 30’, 2267,1649],[‘Age 40’, 2239,1627],[‘Age 50’, 2033,1475],[‘Age 60’, 1963,1425],[‘Age 70’, 2367,1707]]);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: [‘#6791b9’, ‘#98bee2’],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);}

The example below highlights how deductible selection can affect annual premium costs when quoting cheap insurance for a Toyota Highlander. The rates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4135,3747,3319,2911],[‘Age 30’, 2185,1979,1743,1511],[‘Age 40’, 2087,1897,1679,1469],[‘Age 50’, 1905,1735,1539,1349],[‘Age 60’, 1871,1703,1509,1323],[‘Age 70’, 2125,1941,1737,1543]]);var options = {title: ‘Effect of Higher Deductibles on Toyota Highlander Insurance Rates in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could lower rates by $366 a year by switching from a $100 deductible to a $500 deductible, or save $556 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, can save as much as $1,224 annually by selecting a higher deductible.

If you make the decision to raise deductibles, it will now be necessary to have emergency funds available to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.