Toyota Highlander insurance cost image courtesy of QuoteInspector.com
Finding economical insurance for a Toyota Highlander in Washington hinges on lots of different rating factors such as how far you commute, where you live, and your policy deductibles. Drivers in Washington pay approximately $941 annually for Highlander insurance, but that price is an estimation calculated based on a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a male, maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. Just a minor difference in rating variables can result in a massive change in how much coverage for a Toyota Highlander costs.
Car insurance coverage is unique to each driver, so this is why the best way to find cheap car insurance rates for your Toyota is to compare as many rates as possible. Do a quick rate comparison now and you will receive price comparisons from the best companies that insure vehicles in Washington.
Your vehicle's trim level will likely have an effect on the cost of insurance, so the price you will pay to insure a Highlander 2WD will be $178 cheaper than the price to insure the high end Highlander Hybrid Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$234||$354||$304||$18||$90||$1,000||$83|
|Highlander SE 2WD||$234||$354||$304||$18||$90||$1,000||$83|
|Highlander Sport 2WD||$234||$354||$304||$18||$90||$1,000||$83|
|Highlander Limited 2WD||$260||$416||$304||$18||$90||$1,088||$91|
|Highlander SE 4WD||$260||$416||$304||$18||$90||$1,088||$91|
|Highlander Limited 4WD||$260||$416||$304||$18||$90||$1,088||$91|
|Highlander Hybrid 4WD||$260||$416||$304||$18||$90||$1,088||$91|
|Highlander Hybrid Limited 4WD||$260||$416||$304||$18||$90||$1,088||$91|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in zip code location which can influence coverage prices significantly.
What is the best car insurance company in Washington?
Picking a highly-rated company is hard considering how many choices you have in Washington. The company information shown next can help you analyze which companies to look at comparing price quotes from. These rankings only include large insurance companies, so companies that may only write in Washington are not taken into consideration for the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
The recommended way to enjoy the best car insurance prices in Seattle for a Highlander is to drive safely and avoid tickets and accidents. The chart below illustrates how traffic citations and at-fault claims can influence annual premium costs for each age group. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of a car insurance policy in Washington per year with no accidents and a clean driving record is $1,491. Add in one speeding ticket and the average cost hikes up to $1,682, an increase of $191 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Highlander increases to an average of $2,206. That's an increase of $715, or $60 per month, just for not being attentive to the road!
Get discounts on Seattle car insurance
Auto insurance companies that offer cheap quotes for a Toyota Highlander may also give you rate discounts that could lower prices by 35% or more if you meet the requirements. A few popular companies and a selection of discounts are detailed below.
- GEICO may include discounts for five-year accident-free, multi-policy, anti-theft, driver training, and daytime running lights.
- MetLife offers discounts including defensive driver, multi-policy, good student, accident-free, and claim-free.
- Progressive has savings for continuous coverage, good student, online signing, multi-vehicle, homeowner, and multi-policy.
- Travelers includes discounts for student away at school, good student, save driver, multi-policy, early quote, payment discounts, and multi-car.
- SAFECO offers discounts for anti-theft, multi-car, bundle discounts, drive less, teen safety rewards, and homeowner.
- AAA policyholders can earn discounts including AAA membership discount, good driver, multi-car, anti-theft, good student, multi-policy, and pay-in-full.
The diagram below shows the difference between insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents or driving violations, Washington state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, marriage, passive restraint, vehicle safety, and accident-free discounts applied. When discounts are applied, theaverage amount saved on car insurance for a Toyota Highlander is 28% or $440.
Do you need full coverage?
Finding the cheapest car insurance is probably important to most vehicle owners, and one of the easiest ways to buy cheap insurance for a Toyota Highlander is to buy only liability coverage. The information below illustrates the comparison of car insurance rates when comparing full coverage to liability only. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.
As an average for all age groups, full coverage on your policy costs an extra $1,593 per year over liability only. At some point, about every driver wonders if physical damage coverage is worth the money. There isn't a written rule of when to stop paying for full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are some scenarios where only buying liability is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.