Toyota Highlander insurance image courtesy of QuoteInspector.com
Buying affordable coverage for a Toyota Highlander in California relies on a lot of factors such as how many miles you drive each year, your credit status, and any driving offenses on your record. California drivers will pay around $1,832 each year to insure their Highlander, but that cost is an estimation based upon a 30-year-old single female driver with full physical damage coverage and $250 deductibles.
If we were betting, you may not be 30 years old (or even female), married instead of single, or maybe you have a speeding ticket that needs to be factored in. Everyone has unique insurance needs, and this illustrates why the only way to find cheap car insurance rates for your Toyota is to do a thorough rate comparison. Quotes are free and you can get prices from some of the best companies that sell coverage in California.
The specific model of Highlander will have an impact the cost of insurance, so the price to insure a Highlander 2WD will be $350 less than the insurance cost for the more costly Highlander Hybrid Limited 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| Highlander 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Sport 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander SE 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Sport 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| Highlander Limited 2WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander SE 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Limited 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Hybrid 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| Highlander Hybrid Limited 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can alter premium rates considerably.
Figuring out which companies quote the most affordable insurance rates for a Toyota Highlander will require a tad more effort than just quoting one company's rates. Every car insurance company has a proprietary formula for determining rates, so let's rank the most budget-friendly insurance companies in Santa Ana.
Best Cheap Insurance Rates for Your Highlander
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
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USAA may have some of the most affordable car insurance rates in Santa Ana at around $1,121 a year. Century National, Wawanesa, Nationwide, and CSAA are also some of the more affordable Santa Ana, CA insurance companies.
In the rate table above, if you buy coverage from CSAA and switched to Century National, you could realize savings of about $56. Drivers with 21st Century might save as much as $147 a year, and Grange policyholders might lower prices by up to $299 a year.
Remember that these rates are averages for all ages of drivers and types of vehicles and are not factoring in a vehicle location for a Toyota Highlander. So the company that has the cheapest rates for you may not even be in the top 24 companies shown above. That helps illustrate why you need to get car insurance quotes using your own individual information.
The illustration below demonstrates how choosing different deductibles can increase or decrease insurance costs when quoting cheap insurance for a Toyota Highlander. The data is based on a single male driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could reduce rates by $450 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $680 by changing to a $1,000 deductible. Young drivers, like the 20-year-old, could potentially save $1,466 each year just by choosing larger deductibles. When using a larger deductible, it will be necessary to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Don't stick with an overpriced policy
Santa Ana, CA insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Simply getting older, moving to a new city, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be cheaper than competitors. Not only may your risk profile change, but insurers modify rates multiple times each year to adjust for unexpected claims or profits. Larger than normal claims can result in increased policy costs, while lower claims may result in lower-priced Highlander insurance rates.
The bar chart below analyzes the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and a high credit rating. When quoting prices based on her current situation, USAA offers the most affordable car insurance rates in Santa Ana at $1,279 each year. This is $372 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the remaining cheapest Santa Ana, CA auto insurance companies.
In this example, we will give the driver in the first example a claim or two, bad credit, and a blemish on her driving record. Because each insurer uses their own calculation for setting rates, analyzing rates could now result in a different ranking of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the best car insurance rate in Santa Ana, CA with Mercury, Allied, Progressive, and Allstate now rounding out the top five. This example proves why it is so important to spend some time comparing rates to get cheap insurance rates for a Toyota Highlander.
Car insurance prices can be determined by many different factors and can change substantially, so the most affordable company when you bought your policy may now be an over-priced policy.
How to find economical insurance for a Toyota Highlander
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help Santa Ana drivers quote cheaper auto insurance.
- Violations and traffic tickets increase rates
- Do not file small claims
- Avoid having at-fault accidents
- Increase your physical damage deductibles
- Do not pay for full coverage on older vehicles
- Compare rates regularly and switch companies to save money
The final tip is highly important, as we emphasized in the prior article. Auto insurance rates in Santa Ana fluctuate considerably, so don't hesitate to buy from a different company if a cheaper rate is available.
Brand loyalty is great, but it's not a great idea if your bullheadedness ends up costing you a small fortune year after year. Take a couple minutes and shop around to find cheaper auto insurance for a Toyota Highlander.
If you have questions and prefer to have a little guidance when buying car insurance for a Toyota Highlander, the insurance agencies below are a good start to provide answers to your questions and help you determine which is the best policy.
To find an auto insurance agency close to where you live, click the button link following the list or click here to get price quotes now.
- Mary Juarez Insurance
1227 W 1st St c - Santa Ana, CA 92703 - (714) 542-5914 - Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700 - AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150