Best Cheap Insurance for a Toyota Highlander in Arkansas

Your odds of finding cheaper coverage for a Toyota Highlander in Arkansas is dependent upon a complex formula that factors things such as age of the driver, if you have ever let your coverage lapse, and any past driving violations you may have had. Drivers pay on average $990 annually to buy insurance for a Toyota Highlander, but that policy rate is a ballpark figure based on rates for a 30-year-old married female that wants full coverage and $500 deductibles.

Odds are that you are not 30 years old and maybe not even female, single instead of married, or maybe you have a violation on your driving record. Everyone has unique insurance needs, and this illustrates why the most reliable way to find the cheapest coverage for your Toyota is to comparison shop your policy at each renewal. Get your free quotes now and you will get price quotes from some of the best insurers that offer coverage in Arkansas.

Compare Toyota Highlander Insurance Rates

The trim level of your Highlander has an effect on the cost of insurance, so the price to insure a Highlander 2WD will be $180 less expensive the cost to insure the more well-appointed Highlander Hybrid Limited 4WD version, as shown by the rates below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in vehicle location which can increase or decrease coverage prices greatly.

Finding cheap auto insurance is difficult, and finding out which companies offer the most affordable car insurance rates for a Toyota Highlander calls for even more rate comparisons. Each insurer has their own guidelines for filing rates in each state, so first we will examine the car insurance companies with the most affordable rates in Arkansas.

It’s important to know that Arkansas car insurance rates are calculated based on many things that control the policy premium. Improving your credit score, buying a home, or getting a DUI can trigger price changes that can now make some companies more expensive than others.

Find Cheaper Car Insurance for Your Highlander

Start Your Free Quote

USAA has some of the cheapest car insurance rates in Arkansas at around $1,011 each year. Auto Club, Travelers, Southern Farm Bureau, and Columbia Insurance also rank well as some of the best Arkansas auto insurance companies.

As depicted above, if you currently buy coverage from Auto Club and switched to USAA, you may see a yearly savings of in the neighborhood of $4. Insureds with Travelers could save as much as $126 a year, and Southern Farm Bureau insureds might lower prices by up to $202 a year.

Remember that these premium estimates are averaged across all insureds and vehicles and do not factor in a specific rating modification for a Toyota Highlander. So the company that can offer you the best price may not even be in the above list. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Get discount Arkansas car insurance rates

Insurers that sell the best cheap insurance for a Toyota Highlander in Arkansas may have premium discounts that could reduce prices by 40% or more if you are eligible. Larger car insurance companies and their offered discounts include:

• GEICO may include discounts for emergency military deployment, seat belt use, defensive driver, anti-theft, multi-policy, and anti-lock brakes.
• SAFECO policyholders can earn discounts including accident prevention training, teen safe driver, multi-car, bundle discounts, safe driver, and homeowner.
• State Farm may have discounts that include safe vehicle, good student, Drive Safe & Save, good driver, multiple policy, Steer Clear safe driver discount, and passive restraint.
• MetLife offers discounts for defensive driver, good student, good driver, claim-free, and multi-policy.
• 21st Century may offer discounts for 55 and older, good student, automatic seat belts, defensive driver, homeowners, teen driver, and air bags.
• Progressive offers discounts including multi-vehicle, online signing, multi-policy, good student, and homeowner.

The illustration below shows the difference between car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents, no driving violations, Arkansas state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, homeowner, claim-free, accident-free, anti-theft, and multiple vehicle discounts applied. When these discounts are applied, the the average amount saved on car insurance for a Toyota Highlander is 28% or $596.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3667,2639],[‘Age 30’, 1935,1409],[‘Age 40’, 1899,1379],[‘Age 50’, 1729,1253],[‘Age 60’, 1669,1211],[‘Age 70’, 2027,1459]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander in Arkansas’,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);}

Allstate, Progressive, Geico, or State Farm: Which is best?

When it comes to buying insurance for a Highlander in Arkansas, four good companies to start with are Allstate, Progressive, Geico, and State Farm. All four offer physical damage and liability coverage, but each has a different combination of discounts, features, and options that shoppers can choose from. The following table illustrates ratings for price and service, as well as some optional coverages shoppers can find with each company.

How to find the best cheap insurance for a Toyota Highlander in Arkansas

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help you get lower-cost car insurance.

• Raise physical damage deductibles
• Buy safe vehicles
• On older vehicles, drop full coverage
• Avoid accidents
• Do not get traffic citations
• Maintaining good credit helps earn cheaper rates
• Look for cheaper rates once a year by shopping around

That last tip is especially necessary, as we pointed out in this write-up. Prices charged by auto insurers change a lot, so drivers shouldn’t hesitate to switch carriers if a lower price can be found.

We understand brand loyalty, but we do not recommend it if your bullheadedness ends up costing you a wad of cash every year. If you have a few minutes, compare prices to find cheaper insurance for a Toyota Highlander.