Who Has Cheap Insurance Quotes for a Toyota Highlander in Arizona?

Who Has Cheap Insurance Quotes for a Toyota Highlander in Arizona?

The odds of finding the cheapest auto insurance for a Toyota Highlander in Arizona depends upon a complex rating formula that takes into consideration things such as whether you are male or female, whether you are claim-free, and any prior driving offenses. Arizona drivers pay on average $1,000 each year for Highlander insurance, but that figure is a projection assuming a 40-year-old single male driver who requires full comprehensive and collision coverage and $500 policy deductibles.

It’s highly likely that you may not be 40 years old (or even male), married instead of single, or maybe you live in a different part of Arizona than the example. Changing even a minor factor in rating factors may result in a big change in the coverage rate.

Auto insurance requires individual risk assessment, so the most reliable way to find the cheapest coverage for your Toyota is to just compare rates yourself. It only takes a few minutes and you will receive price comparisons from some of the cheapest companies available.

Insure Your Toyota for Less

The specific trim level will most likely have an effect on the yearly cost, so the rate you pay to insure a Highlander 2WD model will be $176 lower than the insurance cost for the fancier Highlander Hybrid Limited 4WD trim level, as shown below.

Toyota Highlander Insurance Rates in Arizona
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $184 $298 $362 $22 $108 $974 $81
Highlander 4WD $208 $362 $362 $22 $108 $1,062 $89
Highlander Sport 4WD $208 $362 $362 $22 $108 $1,062 $89
Highlander SE 2WD $208 $362 $362 $22 $108 $1,062 $89
Highlander Sport 2WD $208 $362 $362 $22 $108 $1,062 $89
Highlander Limited 2WD $232 $426 $362 $22 $108 $1,150 $96
Highlander SE 4WD $232 $426 $362 $22 $108 $1,150 $96
Highlander Limited 4WD $232 $426 $362 $22 $108 $1,150 $96
Highlander Hybrid 4WD $232 $426 $362 $22 $108 $1,150 $96
Highlander Hybrid Limited 4WD $232 $426 $362 $22 $108 $1,150 $96
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific Arizona garaging location which can alter insurance rates significantly.

What is the best auto insurance company in Arizona?

Buying coverage from the right auto insurance provider can be difficult considering how many different companies sell coverage in Arizona. The ranking data shown below could help you analyze which coverage providers you want to consider when trying to find cheaper insurance for a Toyota Highlander. The rankings below only include large, nationwide insurance companies, so smaller companies are not factored into these rankings.

Top 10 Large Auto Insurers in Arizona Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurers in Arizona Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top Companies for Toyota Highlander Insurance in Arizona

How accidents and tickets impact rates

The easiest method to earn good auto insurance prices in Arizona for a Highlander is to be a careful driver and not receive tickets or have accidents. The illustration below shows how violations and at-fault fender-benders can raise yearly insurance costs for different age groups. Data assumes a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3559,4241,4921],[‘Age 30’, 1861,2545,3225],[‘Age 40’, 1841,2527,3203],[‘Age 50’, 1671,2355,3031],[‘Age 60’, 1617,2297,2977],[‘Age 70’, 1945,2631,3307]]);var options = {title: ‘Effect of Tickets and Claims on Arizona 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 Arizona’,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);}

The data charted above shows the average cost of auto insurance in Arizona per year with no accidents or violations is $2,082. Receive two speeding tickets and the average cost increases to $2,766, an increase of $684 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota Highlander increases to an average of $3,444. That’s an increase of $1,362, or $113 per month, just for not keeping your driving record clean!

Get discount Arizona auto insurance

Cheaper Arizona auto insurance for a HighlanderInsurers that provide cheap insurance for a Toyota Highlander in Arizona may provide price discounts that can lower rates by 30% or more if you are eligible. Larger auto insurance companies and the discounts they provide are shown below.

  • American Family includes discounts for multi-vehicle, accident-free, Steer into Savings, TimeAway discount, air bags, good driver, and early bird.
  • Nationwide policyholders can earn discounts including business or organization, accident-free, anti-theft, Farm Bureau membership, easy pay, and multi-policy.
  • MetLife offers discounts including good driver, multi-policy, defensive driver, good student, accident-free, and claim-free.
  • 21st Century offers discounts for homeowners, theft prevention, student driver, 55 and older, and good student.
  • Farmers Insurance may include discounts for mature driver, distant student, business and professional, pay in full, and electronic funds transfer.
  • Allstate has discounts for good student, anti-lock brakes, FullPay discount, utility vehicle, anti-theft, and passive restraint.

The diagram below shows the difference between yearly insurance costs with and without discounts applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, defensive driving course, passive restraint, anti-theft, marriage, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Toyota Highlander is 28% or $482.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2575,1857],[‘Age 30’, 1783,1293],[‘Age 40’, 1655,1203],[‘Age 50’, 1449,1053],[‘Age 60’, 1399,1017],[‘Age 70’, 1629,1175]]);var options = {title: ‘Insurance Rate Comparison 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 Arizona’,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);}

Find cheap insurance for a Toyota Highlander in Arizona

The list below shows some of the recommended penny-pinching suggestions that can help Arizona drivers find lower-cost auto insurance.

  • Try to pay small claims out-of-pocket
  • Buying your home and auto policies from the same company can earn a discount
  • Raise your deductibles
  • Increase your credit rating
  • Do not pay for full coverage on older vehicles
  • Drive a car with a high safety rating
  • Keep rates low by shopping around frequently

The last tip in the list is extraordinarily valuable, as we stressed in this article. Prices charged by car insurance companies change a lot, so don’t hesitate to buy from a new company if you find a better deal. We understand brand loyalty, but it isn’t a good idea if that loyalty ends up costing thousands of dollars over the life of your policy. Take a few minutes and shop around and find cheaper auto insurance for a Toyota Highlander.