Cheap Insurance Quotes for a Toyota Highlander in Rhode Island

Whenever people write about car insurance, the word “cheap” should never be used anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap auto insurance for a Toyota Highlander is pretty hard to find. But don’t let that discourage you, because we can show you some ways you can get auto insurance that won’t break the bank.

The likelihood of finding affordable auto insurance for a Toyota Highlander in Rhode Island is contingent on a lot of different factors such as whether you are a homeower, if you currently have coverage, and if you have any chargeable driving offenses. Drivers on average will pay $1,230 each year to insure a Highlander, but that policy rate is a valuation that uses rate data for a 50-year-old single male driver that includes both comprehensive and collision coverage and $500 policy deductibles.

But there is a high probability that you are not 50 years old and maybe not even male, maybe you are married instead of single, and you don’t want the same coverages and limits as the example. Even a minor difference in policy rating data can make a huge difference in how much insurance for a Toyota Highlander costs.

There is no perfect policy for every driver, so the way we recommend to find the cheapest insurance price for your Toyota is to comparison shop your policy at each renewal.

Compare Toyota Highlander Insurance Rates

The trim level of your Highlander will be a contributing factor to price, so the rate you pay to insure a Highlander 2WD model will be $214 less expensive the insurance cost for the higher-priced Highlander Hybrid Limited 4WD trim level, as shown in the chart below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in vehicle location which can affect premiums substantially.

Establishing which companies offer the cheapest car insurance rates for a Toyota Highlander calls for a little more effort than just comparing a company or two.

Every auto insurer uses different criteria for setting prices, so we’ll take a look at the car insurance companies that tend to have lower prices in Rhode Island. It’s important to know that Rhode Island car insurance rates are determined by lots of factors which can substantially change the cost of coverage. Improving your credit rating, buying a different home, or getting a DUI can trigger rate changes resulting in some companies being more affordable than the competition.

Find Cheaper Auto Insurance for Your Highlander

Compare Rates and Save

google.charts.setOnLoadCallback(drawRIT5qcibChart);function drawRIT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 719, ‘#F08550’], [‘State Farm’, 1095, ‘#C86E42’], [‘Travelers’, 1222, ‘#A65B37’], [‘Amica’, 1467, ‘#8A4B2D’], [‘Progressive’, 1529, ‘#733E25’]]);var options = {title: ‘Top Five Most Affordable Auto Insurance Companies in Rhode Island’,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:1629,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(‘qcibt5cic’));chart.draw(view, options);}

USAA may offer some of the best car insurance rates in Rhode Island at around $719 a year. State Farm, Travelers, Amica, and Progressive also qualify as some of the cheaper Rhode Island auto insurance companies.

As the rates illustrate above, if you are currently insured with State Farm and switched to USAA, you may realize a yearly price reduction of in the vicinity of $376. Policyholders with Travelers could save as much as $503 a year, and Amica customers might cut rates by $748 a year.

To compare your rates to other Rhode Island insurance companies, click here to begin a quote or visit any of the companies below.

Be aware that those estimates are averaged across all drivers and vehicles in Rhode Island and and are not calculated with a specific rating modification for a Toyota Highlander. So the auto insurance company that can offer you the lowest price may not even be shown in the list of companies shown earlier. That point stresses why you need to quote rates from many companies using your own driver data and vehicle information.

Violations and accidents raise rates

One of the best ways to get cheap insurance for a Toyota Highlander in Rhode Island is to pay attention while driving and avoid tickets and accidents. The diagram below shows how speeding tickets and accident claims increase yearly insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

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The data in the chart shows the average cost of auto insurance in Rhode Island per year with no accidents or violations is $2,375. Get written up for two speeding tickets and the average cost rises to $3,395, an increase of $1,020 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Highlander goes up to an average of $4,408. That’s an increase of $2,032, or $169 per month, just for not keeping your driving record clean!

The illustration below demonstrates how deductible levels can raise or lower insurance premiums when researching cheap insurance for a Toyota Highlander. The prices are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

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A 50-year-old driver could save $352 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $532 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices $1,164 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is essential to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Progressive, Geico, State Farm, and Allstate: Who is best?

When researching insurance for a Highlander in Rhode Island, four of the best places to start are Progressive, Geico, State Farm, and Allstate. Each company has unique features and discounts that you can choose from. The next table shows pricing and service ratings, plus some optional coverages that are available for customers.