Who Has the Cheapest Insurance Quotes for a Toyota Highlander in Virginia?

Because the topic is auto insurance, the words cheap or affordable should never be used anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap auto insurance for a Toyota Highlander can be hard, if not impossible, to find. Don’t get your dauber down, because we will tell you how you can get car insurance that is cheaper than your current policy.

Your odds of finding the best cheap auto insurance for a Toyota Highlander in Virginia is contingent on lots of different factors such as if you own your home, what you do for a living, and blemishes on your driving record. Drivers pay an average rate of $570 every 12 months to insure a Toyota Highlander, but that is based upon a 50-year-old married female who purchased full coverage and $1,000 physical damage deductibles.

But there is a high probability that you are not exactly 50 years old and possibly not even female, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a minor change in the factors used to determine rates could end up in a significant change in the price of coverage.

Not everyone needs the same coverages, so the way we recommend to find the cheapest insurance price for your Toyota is to just take the time to compare rates yourself.

Save Now on Highlander Insurance

The specific model of Highlander will most likely have an effect on the cost of insurance, so the price to insure a Highlander 2WD trim level will be $86 cheaper than the cost to insure the higher-end Highlander Hybrid Limited 4WD version, as demonstrated by the prices below.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in your specific Virginia location which can raise or lower price quotes noticeably.

Insuring your vehicle with the right car insurance provider can be rather challenging considering how many different companies sell coverage in Virginia. The company information shown next can help you decide which companies to look at when comparing insurance rates for a Toyota Highlander.

The ratings below include the largest companies in America, so companies that may only write in Virginia are not factored into these rankings. If you’d like to compare prices from these and other top-rated companies, follow this link.

Top 10 Large Auto Insurance Companies Overall in Virginia

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

Top 10 Large Auto Insurance Companies in Virginia Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for Toyota Highlander Insurance in Virginia

The illustration below highlights how deductible selection can raise or lower insurance premiums when trying to find cheap insurance for a Toyota Highlander. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could cut expenses by $252 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $384 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could save as much as $624 each year by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it will be important to have enough in a savings account to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Discount Virginia insurance

Car insurance companies that offer the cheapest insurance for a Toyota Highlander in Virginia may provide special discounts that may potentially lower prices by 40% or more if you meet certain criteria. Larger insurance companies and their possible discounts are detailed below.

• State Farm discounts include defensive driving training, anti-theft, good student, passive restraint, and Drive Safe & Save.
• GEICO may have discounts that include air bags, five-year accident-free, anti-lock brakes, membership and employees, federal employee, and emergency military deployment.
• SAFECO may include discounts for anti-theft, multi-car, teen safe driver, drive less, bundle discounts, homeowner, and anti-lock brakes.
• Farmers Insurance has savings for electronic funds transfer, homeowner, bundle discounts, alternative fuel, youthful driver, and multi-car.
• AAA policyholders can earn discounts including good student, pay-in-full, AAA membership discount, anti-theft, good driver, multi-policy, and multi-car.
• USAA has discounts for loyalty savings, good student, annual mileage, driver training, family discount, and safe driver.

The example below compares yearly insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no violations or accidents, Virginia state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, accident-free, claim-free, passive restraint, multiple vehicle, and marriage discounts applied. With discounts applied, the average amount saved each year on insurance for a Toyota Highlander is 27% or $508.

Geico vs Allstate vs Progressive vs State Farm

When comparing rates for insurance for a Highlander in Virginia, four companies to take a look at are Geico, Allstate, Progressive, and State Farm. When combined, they insure almost half of all auto insurance policies in force. They all offer your standard coverages, but each one has unique features and discounts that buyers can select from. The data below compares ratings and policy coverage options that may be available in your state.