Finding affordable auto insurance for a Toyota Highlander in Texas is fairly easy, but it hinges on a whole bunch of factors such as how far you commute, where you live, and any past driving violations you may have had. Texas drivers pay around $1,427 each year for Highlander insurance, but that amount is a projection using a 50-year-old single male driver with full physical damage coverage and $100 deductibles.
Odds are that you’re not a 50-year-old male, married instead of single, or maybe you prefer to not insure for full coverage. This demonstrates why the only real way to find affordable rates for your Toyota is to do a thorough rate comparison. To cut your rates now, get a free quote and you will be able to compare rates from the best companies that insure Toyota vehicles in Texas.
Your vehicle’s trim level will likely have an effect on the yearly cost, so the price you will be charged to insure a Highlander 2WD trim level will be $288 cheaper than the cost to insure the more well-appointed Highlander Hybrid Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$318||$610||$430||$26||$128||$1,512||$126|
|Highlander SE 2WD||$318||$610||$430||$26||$128||$1,512||$126|
|Highlander Sport 2WD||$318||$610||$430||$26||$128||$1,512||$126|
|Highlander Limited 2WD||$354||$718||$430||$26||$128||$1,656||$138|
|Highlander SE 4WD||$354||$718||$430||$26||$128||$1,656||$138|
|Highlander Limited 4WD||$354||$718||$430||$26||$128||$1,656||$138|
|Highlander Hybrid 4WD||$354||$718||$430||$26||$128||$1,656||$138|
|Highlander Hybrid Limited 4WD||$354||$718||$430||$26||$128||$1,656||$138|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in garaging location in Houston which can impact price quotes considerably.
Establishing which company offers the best auto insurance rates for a Toyota Highlander calls for a little more effort than just quoting one company’s rates.
Each auto insurer has their own guidelines to set policy rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Houston. Keep in mind that Houston, TX auto insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Improving your credit score, moving across town, or having an at-fault accident can trigger changes in premium that can cause some rates to be affordable when they were higher priced.
Find the Best Cheap Insurance for Your Highlander
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers generally has some of the best car insurance rates in Houston at around $1,052 each 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 also rank well as some of the cheaper Houston, TX auto insurance companies.
As the example above demonstrates, if you are insured with Texas Farm Bureau and switched to Travelers, you might see annual savings of in the vicinity of $183. Insureds with Germania Mutual may save as much as $230 a year, and Esurance policyholders might cut rates by $313 a year.
To see how much you can save, click here to get a free quote or click several companies below for low rates.
Remember that these policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for a Toyota Highlander. So the insurer that is best suited for you may not even be in the top 23 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Driving violations and accidents
The ideal way to snag cheap auto insurance premiums in Houston for a Highlander is to be a safe driver and avoid accidents and keep your driving record clean. The illustration below shows how traffic citations and at-fault accidents impact insurance rates for different insured age categories. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of an auto insurance policy in Houston per year with no accidents and a clean driving record is $2,472. Factor in one speeding ticket and the average cost rises to $2,834, an increase of $362 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Highlander increases to an average of $3,861. That’s an increase of $1,389, or $116 per month, just for not being more responsible behind the wheel!
Discount Houston auto insurance
Auto insurance companies that provide coverage for a Toyota Highlander may additionally offer rate discounts that can reduce rates by 25% or more if you qualify. A list of auto insurance companies and some of the premium reductions they offer are detailed below.
- Farmers Insurance discounts include good student, distant student, switch companies, homeowner, and multi-car.
- State Farm has discounts for Drive Safe & Save, good driver, multiple policy, Steer Clear safe driver discount, and multiple autos.
- Liberty Mutual has savings for newly married, teen driver discount, new vehicle discount, new move discount, preferred payment discount, hybrid vehicle, and safety features.
- MetLife policyholders can earn discounts including multi-policy, accident-free, good driver, claim-free, and defensive driver.
- Progressive may offer discounts for good student, online quote discount, multi-policy, homeowner, online signing, multi-vehicle, and continuous coverage.
The example below illustrates the difference between insurance premiums with and without discounts. The costs are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, accident-free, claim-free, vehicle safety, multiple policy, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a Toyota Highlander is 28% or $690.
Ideas for finding cheaper insurance for a Toyota Highlander
Below you’ll find some of the better thrifty suggestions that can help drivers locate cheap coverage.
- Save money by bundling your home and auto policies
- Lower rates by purchasing a safer vehicle
- Do not pay for full coverage if not needed
- Earn a discount by not filing claims
- Keep your driving record clean
- Having at-fault accidents will increase rates
- Shop around and save
The last suggestion is especially crucial, as was pointed out in this write-up. Prices charged by auto insurers change a lot, so don’t be unwilling to switch to a new company if a cheaper rate is available. Sticking with a specific company is fine, but it’s not a good idea if that loyalty results in overpaying a considerable chunk of change every month. Take a few minutes and compare rates and find cheaper auto insurance for a Toyota Highlander in Houston.
The Houston car insurance agencies listed below can answer your questions and help you decide which insurance coverage you need, since some people prefer to have professional advice when shopping around for cheaper insurance for a Toyota Highlander. It can be hard to do it yourself, so professional agents can add peace of mind knowing your coverage gives you suitable coverage if you have an accident.
To find a Houston insurance agency close to where you live, click the button at the bottom of the list or click here to compare prices now.
State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010
State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778
Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716
Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555
Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132