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

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for a Toyota Highlander can be difficult to find. Don’t let that ruin your day, because we can show you some ways you can quote coverage that you are able to afford.

The likelihood of finding affordable car insurance for a Toyota Highlander in North Dakota is dependent upon many rating criteria such as annual miles driven, if you have ever let your coverage lapse, and your policy deductibles. Drivers pay an average rate of $760 per year to insure their Highlander, but that cost is an estimation based on cost data for a 40-year-old married female who needs comprehensive and collision coverage and $1,000 physical damage deductibles.

Chances are good that you’re not a 40-year-old female, possibly single instead of married, or maybe your driving record has a blemish or two. Different coverage needs are the reason why the best way to quote cheap car insurance rates for your Toyota is to shop your policy around every couple of years. Quotes only take a couple of minutes and you will receive price comparisons from some of the best companies that insure Toyota vehicles in North Dakota.

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Your Toyota’s trim level tends to impact the coverage cost, so the cost to insure a Highlander 2WD model will be $118 cheaper than the insurance cost for the more well-appointed Highlander Hybrid Limited 4WD version, as shown in the table below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes greatly.

Choosing a highly-rated car insurance company can be difficult considering how many different companies there are to choose from in North Dakota. The information below may help you decide which providers you want to consider when comparing rate quotes.

The ratings below are only made up of the largest auto insurers in America, so companies that may only write in North Dakota are not taken into consideration for these rankings. To view rates from the insurers below and more, click this link.

Top 10 Major Car Insurance Companies Overall in North Dakota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. American Family
10. Allstate

Top 10 Major Car Insurance Companies in North Dakota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top Companies for Toyota Highlander Insurance in North Dakota

Impact of careless driving on North Dakota auto insurance rates

The recommended way to find the cheapest insurance for a Toyota Highlander in North Dakota is to be a cautious driver and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault collisions can affect insurance costs for different age groups. The rates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of auto insurance in North Dakota per year with a clean driving record and no accidents is $1,587. Get one speeding ticket and the average cost rises to $1,822, an increase of $234 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Highlander jumps again to an average of $2,477. That’s an increase of $890, or $74 per month, just for not maintaining a clean driving record!

Does full coverage make sense?

Finding the cheapest insurance for a Toyota Highlander in North Dakota is the goal of the majority of vehicle owners, and an easy way to pay less for insurance is to not buy comprehensive and collision coverage. The chart below visualizes the comparison of car insurance rates with full coverage compared to only the North Dakota minimum liability coverage. Data assumes no violations or claims, $500 deductibles, single status, and no discounts are taken into consideration.

If we average all the age groups together, physical damage insurance costs $1,722 per year more than insuring for liability only. Many drivers may wonder when is the right time to remove full coverage. There is no definitive guideline for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Is Progressive, Allstate, Geico, or State Farm cheaper?

When buying car insurance, four companies to consider are Progressive, Allstate, Geico, and State Farm. Between them, they insure over 45% of all policies written. The data below shows some of the different options and features that are available for policyholders.