Buying the best cheap insurance for a Toyota Highlander in California is pretty easy for most people to do, but it depends on a lot of rating criteria such as age of the driver, your credit status, and your motor vehicle report. Drivers pay on average $1,248 each year to insure their Highlander, but that price is calculated based on a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
Odds are that you’re not a 40-year-old male, you might be single instead of married, and you need different coverage limits than the sample rates. There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the cheapest insurance price for your Toyota is to compare as many rates as possible. It’s really quite easy you can get prices from the best auto insurance companies available.
The trim level of your Highlander tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Highlander 2WD trim level will be $218 cheaper than the price 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 2WD | $252 | $350 | $456 | $26 | $136 | $1,220 | $102 |
| Highlander 4WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Highlander Sport 4WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Highlander SE 2WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Highlander Sport 2WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Highlander Limited 2WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Highlander SE 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Highlander Limited 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Highlander Hybrid 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Highlander Hybrid Limited 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can influence rates noticeably.
Finding good, affordable insurance is not always easy, and deciding which companies have the cheapest auto insurance rates for a Toyota Highlander will take more quotes for comparison. Every car insurance company has their own unique process to set their prices, so let’s rank the most budget-friendly auto insurance companies in California.
Lowest Insurance Price Quotes for Your Highlander
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,548 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Quote Your Rates Go | ||
USAA normally has some of the best car insurance rates in Chula Vista at around $1,155 per year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the cheaper Chula Vista, CA insurance companies.
As depicted above, if you have coverage with CSAA and switched to USAA, you could realize annual savings of roughly $31. Policyholders with Century National could save as much as $35 a year, and Nationwide customers might cut rates by $58 a year.
It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific location for a Toyota Highlander. So the company that can offer you the best price may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Impact of violations and accidents on rates
The recommended way to get affordable auto insurance rates for a Highlander is to be a cautious driver and avoid getting tickets or having accidents. The diagram below shows how violations and accident claims increase insurance costs for each different age category. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $1,823. Receive two speeding tickets and the average cost swells to $2,585, an increase of $762 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota Highlander increases to an average of $5,607. That’s an increase of $3,784, or $315 per month, just for a couple of infractions!
A good deal can quickly turn bad
Chula Vista auto insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Simply having a birthday, marrying your spouse, or having a fender bender can produce rate changes resulting in some companies being cheaper in comparison to the competition. In addition to those changes, insurance companies file new California auto insurance rates as needed in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause rate increases, while a better claims history can result in cheaper Highlander insurance rates.
The graph below shows which companies have the cheapest car insurance in Chula Vista, CA for a 35-year-old male driver with a good driving record, no prior claims, and a good credit history. When comparing rates based on his personal risk profile, USAA has the best car insurance rates in Chula Vista at $1,160 a year. This is $491 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remainder of the top five cheapest Chula Vista, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example an accident surcharge, a lower credit rating, and a speeding ticket. Due to the fact that every insurance company has a unique formula to determining premium rates, comparing prices could now result in a completely different list of the cheapest companies as shown below.
Grange now has the cheapest insurance rate in Chula Vista with Allstate, Progressive, GEICO, and Mercury also being competitive. This example proves why it is critical to shop around with many companies to find cheap auto insurance rates for a Toyota Highlander.
Car insurance prices consist of many risk factors and can change without notice, so the cheapest company when you bought your policy may now be wasting a lot of money.
How to find the cheapest car insurance for a Toyota Highlander
The list below shows a few money-saving solutions that can help Chula Vista drivers quote cheap coverage.
- Choose a safer vehicle and pay lower rates
- Better credit rating means better rates
- Avoid price increases by not filing claims
- Drive attentively and avoid accidents
- Avoid speeding and other traffic citations and pay less
- Shop around for lower rates once a year
That final tip is extraordinarily vital, as we discussed in this write-up. Prices charged by companies in Chula Vista vary considerably, so don’t be unwilling to switch companies if a more affordable rate is found.
Staying with the same car insurance company is fine, but it’s not recommended if that devotion results in you overpaying big bucks every year. In just a few minutes you could compare prices and find cheaper auto insurance for a Toyota Highlander.
The insurance agents in Chula Vista listed below are a good start to help you determine which insurance coverage will be best for you, as some people have coverage questions and would like to get some professional advice when shopping for cheaper insurance for a Toyota Highlander. It can be challenging to do it yourself, so getting advice from a licensed California insurance agent can give you peace of mind knowing your policy gives you adequate protection in case of an accident or claim.
To locate a Chula Vista car insurance agency closest to you, click the button after the list or click here to compare price quotes.
- La Rosa Insurance Agency
1152 Third Ave – Chula Vista, CA 91911 – (619) 427-5950 - Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071 - L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 - Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104 - Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676