Buying the best cheap insurance for a Toyota Highlander hinges on many rating factors such as annual miles driven, the performance level of your vehicle, and any driving offenses on your record. Drivers in Florida pay approximately $1,215 per year to insure their Highlander, but that amount is an estimate based on a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
Odds are that you aren’t exactly 40 years old or even a male, possibly married instead of single, and you don’t want the same coverages and limits as the example. Having just a slight change in rating variables or coverage information can result in a big discrepancy in the price of a policy.
Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest rates for your Toyota is to compare as many rates as you can. In just a couple of minutes you will be able to compare rates from some of the cheapest companies that insure Toyota vehicles in Florida.
Your vehicle’s trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Highlander 2WD will be $190 lower than the cost to insure the more costly Highlander Hybrid Limited 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$220||$392||$504||$30||$152||$1,298||$108|
|Highlander SE 2WD||$220||$392||$504||$30||$152||$1,298||$108|
|Highlander Sport 2WD||$220||$392||$504||$30||$152||$1,298||$108|
|Highlander Limited 2WD||$246||$462||$504||$30||$152||$1,394||$116|
|Highlander SE 4WD||$246||$462||$504||$30||$152||$1,394||$116|
|Highlander Limited 4WD||$246||$462||$504||$30||$152||$1,394||$116|
|Highlander Hybrid 4WD||$246||$462||$504||$30||$152||$1,394||$116|
|Highlander Hybrid Limited 4WD||$246||$462||$504||$30||$152||$1,394||$116|
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can influence rates significantly.
Picking a highly-rated auto insurance company is hard considering how many choices you have in Florida. The information in the lists below could help you analyze which car insurance companies to look at buying from. These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Florida are not included in this list.
Top 10 Major Car Insurance Companies in Jacksonville Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Car Insurance Companies in Jacksonville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Careless drivers pay higher rates
In a perfect world, the best way to enjoy low auto insurance premiums in Florida for a Highlander is to be a good driver and have a clean driving record. The illustration below illustrates how traffic citations and fender-benders can affect insurance prices for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of a car insurance policy in Florida per year with no accidents or violations is $2,177. Get written up for one speeding ticket and the average cost surges to $2,500, an increase of $323 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Highlander increases to an average of $5,303. That’s an increase of $3,127, or $261 per month, just for not paying attention while driving!
Discounts on Jacksonville auto insurance
Insurers that provide coverage for a Toyota Highlander may provide special discounts that could reduce prices by 30% or more if you qualify. A list of companies and some of their more popular discounts are included below.
- GEICO discounts include multi-vehicle, five-year accident-free, multi-policy, federal employee, driver training, and anti-lock brakes.
- MetLife may offer discounts for defensive driver, accident-free, multi-policy, good driver, and claim-free.
- Progressive has savings for homeowner, multi-policy, online signing, multi-vehicle, online quote discount, and continuous coverage.
- Travelers offers discounts for good student, continuous insurance, student away at school, hybrid/electric vehicle, driver training, home ownership, and payment discounts.
- SAFECO includes discounts for teen safe driver, bundle discounts, multi-car, safe driver, homeowner, accident prevention training, and teen safety rewards.
- AAA has discounts for anti-theft, good student, AAA membership discount, pay-in-full, and multi-car.
The example below visualizes the comparison of premium costs with and without policy discounts. Data assumes a female driver, no claims or driving citations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple policy, marriage, multiple vehicle, and homeowner discounts applied. In this example, the average amount saved each year on auto insurance for a Toyota Highlander is 28% or $693.
If you would rather have a professional recommendation when shopping for the best coverage for a Toyota Highlander, the insurance agencies listed below can help you decide which car insurance company is the best fit. To find an auto insurance agency in your neighborhood, click the button below the list or click here to compare price quotes now.
- Chris Frank – State Farm Insurance Agent
9475 Philips Hwy Ste 15 – Jacksonville, FL 32256 – (904) 900-1727
- GEICO Insurance Agent
1003 Atlantic Blvd – Jacksonville, FL 32233 – (904) 246-8650
- State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599
How to find more affordable auto insurance for a Toyota Highlander
It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help drivers locate lower-cost auto insurance.
- Safe vehicles generally have lower rates
- Pay cheaper rates with good credit scores
- Increase your policy deductibles
- Violations and traffic tickets increase rates
- Do not get into accidents
- Ensure you have the best deal by shopping around regularly
The last tip is especially necessary, as was affirmed in the prior information. Insurance rates adjust frequently, so drivers shouldn’t hesitate to switch companies if you can save money.
Having a favorite company is great, but it’s not recommended if that inflexibility results in costing you thousands of dollars over the life of your policy. Now is a great time to compare rates and find cheaper insurance for a Toyota Highlander in Jacksonville.