How Much is Insurance for a Toyota Highlander in Kentucky?

Whether or not you can find the cheapest auto insurance for a Toyota Highlander in Kentucky hinges on an enormous amount of rating factors like your birth date, whether or not you are currently insured, and the deductible amount you use. Kentucky drivers pay an average rate of $1,350 a year to insure their Highlander, but that cost is a valuation based on cost data for a 30-year-old single female with both comprehensive and collision coverage and $250 policy deductibles.

There is a good probability you may not be 30 years old (or even female), married instead of single, or maybe you have a violation on your driving record. Auto insurance requires individual risk assessment, so the only real way to find the cheapest coverage for your Toyota is to shop your policy around at every renewal.

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Your Toyota’s trim level will most likely have an effect on the coverage cost, so the rate you pay to insure a Highlander 2WD trim level will be $258 cheaper than the cost to insure the more well-appointed Highlander Hybrid Limited 4WD version, as shown below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can lower or raise rates substantially.

Shopping around for cheap car insurance is hard enough, and finding out which companies quote the best auto insurance rates for a Toyota Highlander will take a little more work.

Every car insurance company uses different criteria to determine rates, so first let’s look at the rankings for the auto insurance companies that tend to be cheaper in Kentucky. We do need to point out that Kentucky auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. Events like turning one year older, having a teen driver, or getting a ticket for careless driving can trigger price changes that can make some companies more expensive than others.

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Cincinnati Insurance generally has some of the lowest car insurance rates in Kentucky at around $1,082 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also are some of the cheaper Kentucky auto insurance companies.

As depicted above, if you are a customer of USAA and switched to Cincinnati Insurance, you may see yearly savings of in the neighborhood of $105. Kentucky drivers with Auto-Owners may save as much as $275 a year, and Grange Mutual policyholders might reduce prices by as much as $495 a year.

These estimates are averages across all insureds and vehicles and do not take into consideration a specific rating modification for a Toyota Highlander. So the auto insurance company that is most affordable for your situation may not even be in the chart above. That underscores the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

The illustration below highlights how deductible choice can raise or lower annual premium costs when trying to find cheap insurance for a Toyota Highlander. The prices are based on a married female driver, full physical damage coverage, and no discounts are factored in.

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The chart above illustrates that a 50-year-old driver could lower rates by $276 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $418 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could shave up to $688 or more just by using higher deductibles. When choosing a higher deductible, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Get discounts on Kentucky auto insurance rates

Insurance companies that sell cheap insurance for a Toyota Highlander in Kentucky may also offer special discounts that could potentially reduce rates by 25% or more if you meet the requirements. A few popular companies and their possible discounts are:

• Travelers has savings for student away at school, home ownership, good student, payment discounts, new car, multi-car, and hybrid/electric vehicle.
• 21st Century may have discounts that include 55 and older, anti-lock brakes, driver training, good student, theft prevention, and student driver.
• State Farm may include discounts for student away at school, passive restraint, safe vehicle, Steer Clear safe driver discount, and driver’s education.
• GEICO offers discounts including multi-policy, federal employee, five-year accident-free, defensive driver, military active duty, and seat belt use.
• SAFECO discounts include drive less, teen safe driver, anti-theft, teen safety rewards, multi-car, anti-lock brakes, and safe driver.
• AAA offers premium reductions for AAA membership discount, good student, multi-policy, multi-car, anti-theft, education and occupation, and pay-in-full.

The illustration below illustrates the comparison of auto insurance rates with and without policy discounts. The premiums are based on a female driver, no claims, a clean driving record, Kentucky state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, passive restraint, marriage, defensive driving course, accident-free, and homeowner discounts applied. When discounts are factored in, the the amount saved on auto insurance for a Toyota Highlander is 28% or $588.

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Find cheap insurance for a Toyota Highlander in Kentucky

The list below summarizes many thrifty ideas that can help Kentucky drivers quote low-cost coverage.

• Raise your physical damage coverage deductibles
• Buy vehicles with good safety ratings
• Do not get traffic citations
• Avoid accidents and claims
• Pay cheaper rates with good credit scores
• Shop your coverage around for the best deal

The last idea is highly significant, as was affirmed in the article above. Auto insurance rates vary considerably, so drivers shouldn’t be resistant to buy a different policy if a better rate can be found.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that faithfulness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare prices and find cheaper insurance for a Toyota Highlander.

Which major car insurance company is best?

When it comes to insurance for a Highlander in Kentucky, some of the first companies to look at are State Farm, Progressive, Allstate, and Geico. The data below ranks ratings for price, service, and claims, in additional to some of the optional coverages that are available for customers.