Cheapest Insurance for a Toyota Highlander in Texas

The chances of buying cheaper coverage for a Toyota Highlander in Texas is dependent upon a complex calculation that is influenced by things like how safe your vehicle is, the insurance company you are currently insured with, and whether or not you are a good driver. Drivers pay approximately $1,580 every 12 months to buy insurance for a Toyota Highlander, but that amount is an estimate assuming a 30-year-old single female driver who purchased full physical damage coverage and $250 deductibles.

But there is a good chance that you may not be 30 years old (or even female), you might be married instead of single, or maybe you want different physical damage deductibles. Every auto insurance policy is unique to the driver, so the only real way to find affordable rates for your Toyota is to make a habit of regularly comparing rates from other companies. Rate quotes are easy and you will receive rate quotes from some of the best insurers that sell coverage in Texas.

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The specific model of Highlander tends to impact the annual cost of coverage, so the price you pay to insure a Highlander 2WD will be $302 lower than the cost to insure the fancier Highlander Hybrid Limited 4WD version, as shown by the rates below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can impact prices substantially.

Deciphering which company quotes the cheapest auto insurance rates for a Toyota Highlander involves more work in order to find the lowest price quote.

Each insurance company uses a little different formula for determining prices, so we need to take a look at the auto insurance companies with the overall cheapest rates in Texas. It’s important that readers know that Texas auto insurance rates are calculated based on many things that will increase or decrease the policy premium. Simply having a birthday, moving to a different location, or having an accident can trigger rate changes resulting in some rates now being much cheaper than others.

Cheapest Insurance Rates for Your Highlander

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Travelers may offer some of the lowest car insurance rates in Texas at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the lowest-priced Texas car insurance companies.

As depicted above, if you are currently insured with California Casualty and switched to USAA, you could earn yearly savings of in the neighborhood of $268. Insureds with Esurance may save as much as $279 a year, and State Farm customers might reduce rates by $382 a year.

Be aware that those premiums are averages for all types of insureds and vehicles and and are not calculated with a specific rate factor for a Toyota Highlander. So the auto insurance company that has the cheapest price for you may not even be featured in the company chart above. That points out the importance of why you need to quote rates from many companies using your own individual information.

Get discounts on Texas car insurance rates

Insurers that offer the cheapest insurance for a Toyota Highlander in Texas may also offer rate discounts that can reduce rates by as much as 40% or more if you qualify. Popular auto insurance companies and the discounts they provide are detailed below.

The information below illustrates the difference between auto insurance costs with and without discounts applied. The costs are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, passive restraint, multiple vehicle, multiple policy, vehicle safety, and defensive driving course discounts applied. With discounts applied, the the average amount saved on auto insurance for a Toyota Highlander is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3673,2647],[‘Age 30’, 2565,1861],[‘Age 40’, 2373,1725],[‘Age 50’, 2079,1507],[‘Age 60’, 2003,1455],[‘Age 70’, 2321,1677]]);var options = {title: ‘Insurance Rate Comparison with Discounts 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);}

Here’s why price comparisons are so important

Texas auto insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Improving your credit rating, having a teenage driver, or getting a ticket for careless driving can trigger price changes resulting in some companies being cheaper than competitors.

Additionally, car insurance companies file new rates as often as every three months as an adjustment for underwriting gains or losses. A period of increased losses may cause higher rates, while lower claim levels can result in more affordable Highlander insurance rates.

For instance, the data below shows rates for the cheapest car insurance in Texas for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we compare prices based on his current risk profile, Travelers might offer the most affordable car insurance rates in Texas at $1,052 a year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest Texas auto insurance companies.

google.charts.setOnLoadCallback(drawTXWitcqcibChart);function drawTXWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1052, ‘#187C6B’],[‘USAA’, 1084, ‘#146759’],[‘Texas Farm Bureau’, 1211, ‘#10554A’],[‘Germania Mutual’, 1294, ‘#0D463D’],[‘Esurance’, 1365, ‘#0A3A32’]]);var options = {title: ‘Best Cheap Auto Insurance 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:1465,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);}

In this example, we will give the driver from above an accident claim, less-than-perfect credit, and a stop sign violation. Because each insurer uses their own calculation for determing rates in each state, analyzing rates will most likely result in a slightly different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawTXWcqcibChart);function drawTXWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘State Farm’, 1611.5, ‘#C76400’],[‘Mercury’, 1623.6, ‘#A55300’],[‘USAA’, 1626, ‘#894500’],[‘Safe Auto’, 1721.5, ‘#723900’],[‘Nationwide’, 1743.5, ‘#5F2F00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,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:1843.5,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);}

State Farm now has the lowest price in Texas with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This shows why consumers need to shop around with many companies to find the best car insurance quotes for a Toyota Highlander.

Rates can be altered by many factors and change substantially, so the most affordable company six months ago may now be quite expensive.

Tips to find economical car insurance for a Toyota Highlander

The list below shows some of the better money-saving solutions that can help you quote lower-cost car insurance.

• Keep your driving record clean
• Staying accident-free helps keep rates low
• Earn a discount by not filing claims
• Multi-policy discounts save money
• Improve your credit score
• Raise your physical damage coverage deductibles
• Keep rates low by comparing prices once a year

The last tip in the list is very vital, as was noted in the prior information. Car insurance prices can change considerably based on profitability, so don’t hesitate to buy a different policy if a cheaper price is available. Staying with the same company for years is fine, but it’s not recommended if that loyalty ends up costing a small fortune year after year. Take a couple minutes and compare prices to find cheaper car insurance for a Toyota Highlander.

Who has the cheapest Toyota Highlander insurance quotes?

Thanks to technology, there are a lot of ways to compare cheaper auto insurance rates in Texas, but the most preferred methods are from a captive (or exclusive) agency like Auto-Owners or State Farm, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but buyers should know the differences in how they provide rate quotes.

Independent insurance agents can place your business with multiple companies and can compare rates with all of them. These types of agencies will get prices from more than one company, which can help you get improved odds of finding cheaper coverage. If your premiums go up, an independent agent can move your coverage and the insured can keep the same agent.

An exclusive ageny is ‘exlusive’ to just one company, a couple examples are an Auto-Owners or State Farm agent. Exclusive agents normally do not have the ability to quote prices from more than just one company, so always compare other rates.

Drivers who opt to buy auto insurance direct forego an independent or exclusive agent and instead buy direct from companies such as Progressive or Esurance. This option may be the best choice families who do not have a need for a risk management assessment and have an above average understanding of what coverage limits and deductibles they need.

So out of those three methods, which one works best to buy the cheapest insurance for a Toyota Highlander in Texas? It would be simple to say shopping direct saves the most money since no commissions are paid to an agent, but that is generally not the case. It could also be said buying from an independent agent guarantees the lowest rates due to having more companies to select from, but again, that’s not a true statement. In some circumstances, the exclusive agents have extremely competitive rates that other companies cannot beat.

Since auto insurance prices vary so much, the only real way to get rock-bottom rates is to get quotes and compare the rates. If time allows, get price quotes from independent, exclusive, and direct to get an idea of which is cheapest. For a list of companies offering online discounts in Texas, click here to view.