Cheapest Insurance for a Toyota Highlander in New Hampshire

Whether or not you can find the best cheap auto insurance for a Toyota Highlander in New Hampshire relies on a large number of rating criteria like the age of the Highlander, your credit status, and your policy deductibles. New Hampshire drivers will pay on average $710 every 12 months to buy Toyota Highlander insurance, but that cost is an estimate that uses a 50-year-old single female driver that wants full coverage and $500 policy deductibles.

It’s highly likely you are not 50 and possibly not even female, you might be married instead of single, or maybe you have a speeding ticket or two that will increase rates. Insurance rates are unique for each driver, so the most reliable way to find cheap auto insurance rates for your Toyota is to get into the habit of shopping around regularly. Quotes only take a few minutes and you will receive price comparisons from top-rated car insurance companies in New Hampshire.

Find Cheaper Toyota Highlander Insurance

The specific model of Highlander will influence the coverage cost, so the cost to insure a Highlander 2WD trim level will be $122 less than the insurance cost for the higher-end Highlander Hybrid Limited 4WD model, as shown by the rates below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can modify coverage prices noticeably.

New Hampshire insurance companies ranked

Picking a highly-rated insurance provider can be rather challenging considering how many companies are available to choose from in New Hampshire. The company rank data shown next may help you select which insurers to look at when buying insurance for a Toyota Highlander. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in New Hampshire will not be included in this list.

Discounts on New Hampshire car insurance

Insurance providers that sell the cheapest insurance for a Toyota Highlander in New Hampshire may also offer discounts that can lower rates by 40% or more if you meet specific criteria. Larger insurance companies and their possible discounts are included below.

• GEICO offers discounts for five-year accident-free, emergency military deployment, seat belt use, federal employee, and multi-vehicle.
• SAFECO offers discounts including anti-theft, multi-car, safe driver, accident prevention training, teen safe driver, anti-lock brakes, and drive less.
• State Farm has discounts for defensive driving training, safe vehicle, multiple autos, Steer Clear safe driver discount, good driver, student away at school, and Drive Safe & Save.
• MetLife may have discounts that include accident-free, claim-free, defensive driver, multi-policy, and good student.
• 21st Century offers premium reductions for teen driver, early bird, 55 and older, anti-lock brakes, theft prevention, and defensive driver.
• Progressive has savings for online signing, good student, multi-policy, online quote discount, and homeowner.

The illustration below shows the comparison of insurance rates with and without some available policy discounts. The rates are based on a female driver, no claims, a clean driving record, New Hampshire state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, anti-theft, multiple vehicle, marriage, and passive restraint discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for a Toyota Highlander is 28% or $297.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1599,1149],[‘Age 30’, 1079,781],[‘Age 40’, 1011,731],[‘Age 50’, 887,643],[‘Age 60’, 857,625],[‘Age 70’, 1013,733]]);var options = {title: ‘Effect of Discounts on Insurance Price 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 in New Hampshire’,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);}

Rate increases following a ticket or accident

In a perfect world, the best way to get good insurance rates for a Highlander is to drive attentively and avoid traffic citations and accidents. The illustration below shows how speeding tickets and at-fault accidents can increase auto insurance costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2677,2903,3541],[‘Age 30’, 1421,1647,2285],[‘Age 40’, 1355,1581,2223],[‘Age 50’, 1239,1463,2103],[‘Age 60’, 1217,1441,2083],[‘Age 70’, 1381,1609,2245]]);var options = {title: ‘Effect of Tickets and Accidents on New Hampshire 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 New Hampshire’,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 prior example, the average cost of a car insurance policy in New Hampshire per year with no violations or accidents is $1,548. Get one speeding ticket and the average cost swells to $1,774, an increase of $226 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Toyota Highlander jumps again to an average of $2,413. That’s an increase of $865, or $72 per month, just for not driving responsibly!