Highlander Insurance

How to Properly Insure Your Toyota Highlander

(And why you should carry each type of coverage.)

Toyota Highlander

The Toyota Highlander has gained a reputation as a reliable and capable family vehicle over the years. If you’re the owner of a Toyota Highlander, there’s no doubt that protecting yourself from the risks you face on the road is important to you. Carrying the right car insurance is part of that protection. An independent insurance agent can help you choose the right coverage for your needs. 

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What Kind of Insurance Do You Need for Your Toyota Highlander? 

There are plenty of coverages to choose from for your auto insurance. Each state has minimum required coverage. Your independent insurance agent can advise you on exactly what you need. While certain coverages are optional, it’s always a good idea to weigh the benefits of opting for extra protection.  

Most states mandate the following coverage: 

Bodily injury liability

Unfortunately, there’s a chance you could get into an accident and harm someone else. This coverage provides reimbursement to the other party for medical care and lost wages up to your policy limits. 

Property damage liability 

Property damage liability coverage covers damage you cause to another person’s vehicle or property while driving. 

Many states also require this coverage:

Medical payments/Personal injury protection

Personal injury protection (PIP) coverage pays the cost of medical care and lost wages for you and your passengers in the case of an auto accident. 

Uninsured motorist coverage

Did you know that 13% of drivers operate a vehicle without insurance? This means that more than 1 in 10 drivers don’t carry auto insurance, putting you at risk. This coverage protects you when another driver causes an accident and doesn’t have insurance. You can also get uninsured and underinsured motorist coverage, which protects you against drivers whose policy limits aren’t enough to cover the damage. 

Optional Coverage

Collision

If you collide with another vehicle or object while driving, collision coverage pays for the damage to your car.

Comprehensive

Events like fires, earthquakes, and storms can cause damage to your vehicle, making comprehensive coverage beneficial to have just in case. 

Glass 

Glass claims are some of the most common insurance claims. It’s easy for rocks to fly up and cause chips and cracks. For a low premium, glass coverage can replace or repair your windshield if it gets damaged. 

Gap

It’s a good idea to carry gap insurance if you owe more on your car than it's worth. If you fail to carry gap coverage and your car is declared a total loss, you will still owe money on your vehicle. 

What Affects the Cost of Car Insurance for Your Toyota Highlander? 

Annual mileage

Do you have a long commute to work? The more miles you drive each year, the higher your annual premiums will be. After all, being on the road more means a greater chance for a claim

Driving record 

Drivers with no traffic or moving violations on their records will enjoy lower insurance rates. If you’ve had any violations recently, you can ask your independent agent about when those will no longer affect your rates.

The value of your car 

More expensive cars cost more to insure. A Toyota Highlander is on the pricier side for midsize SUVs, meaning your insurance rates may be a little higher on average compared to vehicles in the same class

Average price of a Toyota Highlander
2017$21,000 - $31,300
2018$23,300 - $35,075
2019$25,375 - $38,600
2020$34,600 - $50,200

The safety of your Toyota Highlander 

The latest safety data for the Toyota Highlander is from 2019. The National Highway Traffic Safety Administration (NHTSA) gave the Highlander an impressive five-star rating overall, making it an excellent choice as a midsize SUV. 

Where you live with your Toyota Highlander

Believe it or not, your geographical location plays a part in your insurance rates. If you live in a large city, you are more prone to incidents that would lead to a claim vs. a small town. 

Average cost to insure a Toyota Highlander

That cost of car insurance premiums can vary greatly depending on selected coverage, age, driving record, etc. The average cost to insure your Highlander per year sits around $2,724. 

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Rhode Island$1,544
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Toyota Highlander Insurance? 

Fortunately, insurance companies offer a variety of options to save you money on auto insurance, including: 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

Higher deductibles can also help you save on your monthly premium. 

Top Insurance Companies That Insure the Toyota Highlander 

No two insurance companies are alike. It’s important to choose a company that's reliable, trustworthy, and committed to their customers. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power awarded the following companies high marks: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Your independent insurance agent can help you choose a company that is the right fit for your needs.

Get a Toyota Highlander Insurance Quote

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured that your needs are taken care of. Let a Trusted Choice independent insurance agent get you a car insurance quote today.

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naic.org, JD Power, Consumer Reports, Statista, NHTSA, finder.com