Best Cheap Insurance Quotes for a Toyota Highlander in Hawaii

We always joke that when we write about car insurance, the word “cheap” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Toyota Highlander is not easy to find. But don’t despair, because we are going to tell you how you can quote car insurance that fits into your budget.

Buying the best cheap auto insurance for a Toyota Highlander in Hawaii hinges on many rating factors such as whether you use your Highlander for business use, whether you have good credit, and if your driving record is clean. Drivers in Hawaii pay around $930 every 12 months for Highlander insurance, but that figure is an estimation using rating data for a 40-year-old married male driver with full comprehensive and collision coverage and $100 policy deductibles.

There is a really good chance that you are not 40 and possibly not even male, single instead of married, or maybe you had a chargeable driving offense. Every driver’s needs are different, and that is why the only real way to find the most affordable coverage for your Toyota is to compare rates from as many companies as possible.

Insure Your Toyota for Less

The specific trim level impacts the yearly cost, so the rate you pay to insure a Highlander 2WD trim level will be $186 cheaper than the price to insure the more well-appointed Highlander Hybrid Limited 4WD version, as shown in the table below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in garaging location in Hawaii which can alter price quotes greatly.

Ratings for Hawaii auto insurance companies

Selecting the best insurance provider is difficult considering how many choices drivers have in Hawaii. The rank data shown next could help you select which car insurance providers to look at comparing price quotes from.

These rankings are only comprised of companies with a national presence, so companies that have a smaller presence are not included in this list. If you’d like to compare prices from these top-rated insurers and more, simply click here.

Top 10 Major Auto Insurers Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

Top 10 Major Auto Insurers in Hawaii Ranked by A.M. Best Rating

1. USAA – A++
2. State Farm – A++
3. GEICO – A++
4. Esurance – A+
5. Nationwide – A+
6. Allstate – A+
7. Progressive – A+
8. The Hartford – A+
9. AAA Insurance – A
10. Liberty Mutual – A

Top Companies for Toyota Highlander Insurance in Hawaii

Full coverage rates compared to liability only

Finding the best cheap insurance for a Toyota Highlander in Hawaii should be important to most people, and one good way to pay less for insurance is to buy liability only. The chart below illustrates the difference between insurance prices with full phyical damage coverage and with liability coverage only. The premium estimates are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

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On average, physical damage coverage on your policy costs an additional $1,627 per year over liability only. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no set rule of when to eliminate full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

Discounts on the best cheap insurance for a Toyota Highlander in Hawaii

Auto insurance companies that offer coverage for a Toyota Highlander may also give you rate discounts that could lower prices by as much as 25% or more if you are eligible for them. A few popular companies and the discounts they provide can be read below.

The illustration below compares premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, multiple vehicle, anti-theft, defensive driving course, multiple policy, and homeowner discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Toyota Highlander is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2545,1835],[‘Age 30’, 1781,1297],[‘Age 40’, 1649,1197],[‘Age 50’, 1443,1053],[‘Age 60’, 1393,1017],[‘Age 70’, 1611,1167]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Toyota Highlander’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find more affordable insurance for a Toyota Highlander

The list below summarizes some of the better money-saving suggestions that can help Hawaii drivers find cheaper coverage.

• Avoid price increases by not filing claims
• Do not pay for comprehensive and collision coverage on older vehicles
• Raise your deductibles
• Improve your credit rating
• Vehicles with good safety ratings have lower liability rates
• Bundle home or renters insurance to earn a discount on car insurance
• Compare rate quotes often

That last piece of advice is incredibly crucial, as was pointed out in the article above. Prices charged by companies can change considerably based on profitability, so don’t be afraid to change insurance companies if a cheaper price is available. We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying thousands of dollars over the life of your policy. It only takes a couple minutes to shop around and find cheaper auto insurance for a Toyota Highlander.

Who has the cheapest Toyota Highlander insurance quotes?

Thanks to technology, there are a lot of ways to find affordable auto insurance in Hawaii, but the most popular ways are through a non-exclusive or independent agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. They all follow the same basic process, but they are slightly different in how they price policies.

Independent insurance agents work for many companies and can compare rates with all of them. They can sell policies from many different companies and can provide you with more rates, which can help you get improved odds of finding cheaper coverage. If a cheaper price is found, the agent simply finds a different carrier and that require little work on your part.

An exclusive agent is able to place business with just one company, a couple examples are a Liberty Mutual or State Farm agent. They generally cannot provide prices from multiple companies, so if finding the cheapest auto insurance is your goal, you will want to shop around.

Buying direct means you forego an exlusive or independent agent and instead buy from a direct company like Esurance or Progressive. Shopping for auto insurance direct may be preferred by consumers who have limited assets and have knowledge of what coverages, limits, and deductibles they need.

What is the best method for finding the best cheap insurance for a Toyota Highlander in Hawaii? The quick answer would be shopping direct results in the cheapest price since there is no middleman, but unfortunately, that is not the case. We’d also like to say an independent agency saves the most money since they can quote with many companies, but again, it’s not a sure thing. In the right set of circumstances, exclusive agents have really good rates that independents and direct companies can’t touch.

Due to the large number of rating factors, really the only way to ensure you are not overpaying is to compare, compare, and compare some more. Money-saving experts recommend you get price quotes all three ways in order to have enough rates to compare. For a list of companies offering online discounts in Hawaii, click here to view.

Cheapest car insurance: Progressive, Geico, State Farm, or Allstate

If you are shopping around for auto insurance, the most popular companies are Progressive, Geico, State Farm, and Allstate. When added together, they make up 48.5% of all policies written in the United States. The next table rates some of the different features that may be available in Hawaii.