Cheapest Insurance for a Toyota Highlander in Utah

Finding the best cheap car insurance for a Toyota Highlander in Utah is dependent upon lots of different factors like whether you are single or married, whether you have good credit, and your choice of physical damage deductibles. Utah drivers on average pay approximately $690 every 12 months to buy Toyota Highlander insurance, but that figure is an estimate assuming a 50-year-old married male who requires comprehensive and collision coverage and $500 physical damage deductibles.

It’s highly likely you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, and there is a good chance that there are other drivers on your policy. There is no perfect policy for every driver, so the best method for finding affordable rates for your Toyota is to get into the habit of comparing rates once a year. In less than five minutes you can get rates from some of the best insurers that insure Toyota vehicles in Utah.

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The trim level of your Toyota tends to have a direct impact on the insurance rate, so the price you will be charged to insure a Highlander 2WD trim level will be $118 lower than the insurance cost for the high end Highlander Hybrid Limited 4WD version, as shown by the rates below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific Utah garaging location which can raise or lower auto insurance rates greatly.

Picking a highly-rated insurance company can be rather challenging considering how many choices there are in Utah. The ranking data listed below can help you choose which car insurance companies you want to consider comparing prices from.

The rankings below are only comprised of major nationwide insurance companies, so companies that may only write in Utah are not included in these rankings. If you wish to compare prices from the most competitive companies in Utah, click this link.

Top 10 Major Auto Insurance Companies in Utah Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Progressive – A+
8. Allstate – A+
9. Nationwide – A+
10. The General – A-

Top Companies for Toyota Highlander Insurance in Utah

Types of discounts on Utah insurance

Car insurance companies that sell the cheapest insurance for a Toyota Highlander in Utah may also give you special discounts that could lower prices by 40% or more if you meet specific criteria. Large insurance companies and some of their more popular discounts are outlined below.

• State Farm may have discounts that include defensive driving training, student away at school, Steer Clear safe driver discount, accident-free, safe vehicle, Drive Safe & Save, and good driver.
• Esurance may include discounts for multi-car, Switch & Save, Pac-12 alumni, paid-in-full, and homeowner.
• Progressive has savings for homeowner, multi-policy, continuous coverage, good student, multi-vehicle, online signing, and online quote discount.
• Liberty Mutual may offer discounts for new move discount, multi-car, newly retired, good student, exclusive group savings, and new vehicle discount.
• Auto-Owners Insurance offers discounts for safe driver, group or association, paid in full, teen driver, and paperless.
• GEICO offers discounts including membership and employees, five-year accident-free, driver training, anti-lock brakes, and air bags.

The diagram below illustrates the comparison of auto insurance costs with and without discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Utah state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, marriage, anti-theft, defensive driving course, claim-free, and homeowner discounts applied. When discounts are applied, the the average yearly reduction on insurance for a Toyota Highlander is 28% or $561.

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The diagram below illustrates how choosing a deductible can raise or lower premium costs when quoting cheap insurance for a Toyota Highlander. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2753,2513,2241,1985],[‘Age 30’, 1459,1329,1179,1035],[‘Age 40’, 1397,1281,1141,1007],[‘Age 50’, 1275,1169,1043,925],[‘Age 60’, 1253,1147,1023,909],[‘Age 70’, 1429,1315,1187,1063]]);var options = {title: ‘Impact of Higher Deductibles on Toyota Highlander Insurance Rates in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could pocket $232 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $350 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates $768 every year by using higher deductibles when buying full coverage.

When choosing a higher deductible, it’s a good idea to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How to get the cheapest insurance for a Toyota Highlander in Utah

The list below shows some penny-pinching suggestions that can help you quote cheap coverage.

• Save money by insuring older vehicles for liability only
• Good credit can mean cheaper rates
• Vehicles with good safety ratings have lower liability rates
• Bundle car and home insurance and save money
• Save money by staying claim-free
• Raise comprehensive and collision coverage deductibles
• Compare price quotes at least once a year

That last tip is extraordinarily valuable, as we discussed in the prior information. Coverage rates in Utah can change considerably in a year, so drivers shouldn’t be reluctant to switch to a new company if you find a cheaper price.

We understand brand loyalty, but is isn’t recommended if that loyalty ends up costing thousands of dollars over the life of your policy. If you have a few minutes, compare prices and find cheaper car insurance for a Toyota Highlander.

Is the best company Geico, Progressive, Allstate, or State Farm?

When comparing auto insurance, four companies to take a look at are Geico, Progressive, Allstate, and State Farm. When combined, they have over 48% of all vehicles in the U.S.. All offer your standard physical damage and liability coverages, but each one has a distinct set of features and optional coverages that you can select from. The table below illustrates pricing and service ratings, as well as optional policy coverages offered by each company.