How Much Does Insurance Cost for a Toyota Highlander in Idaho?

Because the topic is car insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Toyota Highlander may be a thing of the past. Don’t let that ruin your day, because we will tell you how you can quote coverage that won’t break the bank.

The chances of finding affordable coverage for a Toyota Highlander in Idaho relies on many factors such as whether you are married, your credit history, and deductible levels for physical damage coverage. Drivers will pay around $800 annually to insure their Highlander, but that rate is a projection based on a 40-year-old single female that includes full coverage including both comprehensive and collision and $500 physical damage deductibles.

There is a very good chance that you are not 40 and maybe not even a female, married instead of single, or maybe your Highlander doesn’t need comprehensive and collision coverage. Making even small differences in rating criteria can precipitate large changes in the cost of insurance.

Not everyone needs the same coverages, so the best way to quote cheap insurance prices for your Toyota is to regularly compare rates at renewal.

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Your vehicle’s trim level can impact the cost of insurance, so the price you will pay to insure a Highlander 2WD model will be $136 less expensive the price to insure the more expensive Highlander Hybrid Limited 4WD trim level, as shown below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can change auto insurance rates considerably.

How to find a good Idaho car insurance company

Insuring your vehicle with the highest-rated car insurance company can be challenging considering how many companies provide coverage in Idaho. The company information below can help you analyze which providers to look at when looking for cheaper rates.

These ratings are only comprised of large nationwide companies, so smaller companies will not be included in the list. To check rates from the insurers below and more, click this link.

Impact of violations and accidents on rates

In a perfect world, the ideal way to score the cheapest car insurance rates in Idaho for a Highlander is to be a careful driver and not have accidents or get tickets. The example below demonstrates how citations and fender-benders can drive up insurance rates for different categories of driver ages. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2557,3045,3525],[‘Age 30’, 1353,1839,2325],[‘Age 40’, 1331,1819,2301],[‘Age 50’, 1209,1697,2181],[‘Age 60’, 1169,1659,2141],[‘Age 70’, 1417,1905,2387]]);var options = {title: ‘Impact of Violations and Accidents on Idaho Toyota Highlander Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander in Idaho’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in Idaho per year with no violations or accidents is $1,506. Get two speeding tickets and the average cost swells to $1,994, an increase of $488 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for a Toyota Highlander increases to an average of $2,477. That’s an increase of $971, or $81 per month, just for not driving attentively!

Don’t stick with an overpriced policy

Idaho car insurance rates are based on many factors that will increase or decrease the policy price. Simply getting older, having a teenage driver, or having an at-fault accident can cause premium changes that may make certain companies affordable when they were higher priced.

In addition to those changes, car insurance companies file new rates as often as every three months to reflect underwriting profits or losses. Heavier than normal losses may result in higher prices, while profitable underwriting can produce cheaper Highlander insurance rates.

To help illustrate this point, the data below compares the cheapest car insurance in Idaho for a 45-year-old male driver with no violations or accidents, and great credit. If we estimate prices based on his current risk profile, American National may have the lowest car insurance rates in Idaho at $240 a year. This is $785 less than the average premium paid by Idaho drivers of $1,025. USAA, Farm Bureau of ID Group, Oregon Mutual, and Travelers are the remaining top five cheapest Idaho auto insurance companies.

google.charts.setOnLoadCallback(drawIDWitcqcibChart);function drawIDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘American National’, 240, ‘#659500’],[‘USAA’, 546, ‘#547C00’],[‘Farm Bureau of ID Group’, 550, ‘#466700’],[‘Oregon Mutual’, 672, ‘#3A5500’],[‘Travelers’, 686, ‘#304600’]]);var options = {title: ‘Best Cheap Car Insurance for a Toyota Highlander’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:786,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver in the first chart an accident surcharge, less-than-perfect credit, and a few blemishes on his driving record. Since every car insurance company has their own process to set their prices, comparing prices may now result in a substantially altered list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawIDWcqcibChart);function drawIDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 807.4, ‘#FF7100’],[‘The Hartford’, 808.5, ‘#D45E00’],[‘USAA’, 819, ‘#B04E00’],[‘Farm Bureau of ID Group’, 825, ‘#924100’],[‘American National’, 860, ‘#793600’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:960,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Auto-Owners now has the cheapest rate in Idaho with The Hartford, USAA, Farm Bureau of ID Group, and American National also being competitive. This illustrates why drivers need to shop around when trying to get the lowest auto insurance rates for a Toyota Highlander.

Insurance prices consist of many things and can change without notice, so the best price when you bought your policy may now be quite expensive.

How to find cheap insurance for a Toyota Highlander in Idaho

The list below details many money-saving solutions that can help Idaho drivers quote lower-cost coverage.

• Clean up your credit rating
• Safer vehicles cost less to insure
• Do not insure for full coverage
• Raise deductibles
• Being accident-free can lower rates significantly
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates often to find the best deal

That last idea is remarkably critical, as was pointed out in the prior information. Insurance prices in Idaho can change significantly in a year, so you should be ready to switch to a new company if a lower price can be found.

We understand brand loyalty, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Toyota Highlander.

Who has the cheapest Toyota Highlander insurance quotes?

You have many ways to compare car insurance prices in Idaho, but the most frequently used ways are using an exclusive insurance agency like Allstate or Liberty Mutual, an independent insurance agent, or direct online or over the phone from a company like Progressive or Geico. All three ways can provide car insurance quotes, but buyers need to know the differences in how they work.

Independent insurance agencies write for multiple companies and can get rate quotes from each one. Agents of this type can quote with many companies and provide you with more rates, which may provide you with a better chance of finding cheaper coverage. If your premiums go up, the business is moved internally and you don’t have to do anything.

A captive, or exclusive, agent is restricted to quoting rates for one insurance company like an Auto-Owners or State Farm agent. They are unable to compare rates from other companies, so you might not find the best rates.

The third way to buy car insurance is direct which means you bypass a local insurance agent and instead buy direct either online or via phone. This car insurance option can be a good choice for families who do not need high amounts of coverage and know more than average about what coverage options they need.

So which of the methods works best to buy cheap insurance for a Toyota Highlander in Idaho? Most drivers assume that buying direct results in the cheapest rates since no commissions are paid to an agent, but that is not always the case. We could also assume that an independent agent can save the most money since they can quote with many companies, but that is not necessarily true either. In some circumstances, exclusive agents have extremely competitive rates that are the lowest in Idaho.

Due to the large number of rating factors, the only true way to get rock-bottom rates is to get quotes and compare. Money-saving experts recommend you get rate quotes from independent agents, exclusive agents, and direct companies in order to be able to find the lowest price. To see some of the cheapest online companies available, click here to view.