Buying the best cheap car insurance for a Toyota Highlander depends on many factors such as annual vehicle mileage, if you are a frequent claim filer, and blemishes on your driving record. Oklahoma drivers pay approximately $1,279 per year to insure their Highlander, but that cost is an estimate calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
There’s a high likelihood you may not be 50 years old (or even female), maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. Even a slight change in the criteria used to calculate rates could end up with a large change in how much coverage for a Toyota Highlander costs.
Insurance is an individual thing, so the only way to find cheap car insurance rates for your Toyota is to compare as many rates as you can.
The trim level of your vehicle tends to have a direct effect on the coverage cost, so the rate you pay to insure a Highlander 2WD model will be $244 less expensive the price 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 2WD | $266 | $398 | $422 | $24 | $126 | $1,236 | $103 |
| Highlander 4WD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Highlander Sport 4WD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Highlander SE 2WD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Highlander Sport 2WD | $302 | $484 | $422 | $24 | $126 | $1,358 | $113 |
| Highlander Limited 2WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Highlander SE 4WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Highlander Limited 4WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Highlander Hybrid 4WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Highlander Hybrid Limited 4WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in zip code location which can modify coverage rates significantly.
Finding good, cheap insurance is not the easiest thing to accomplish, and figuring out which company has the cheapest insurance rates for a Toyota Highlander will involve even more diligence.
Every auto insurer uses different criteria to determine rates, so we’ll go over the insurance companies with the overall cheapest rates in Oklahoma. It’s important to understand that Oklahoma City, OK insurance rates are calculated based on many things that control the policy premium. Simply improving your credit score, buying a home, or getting a ticket for careless driving may prompt premium changes that may make certain companies more expensive than before.
Lowest Insurance Price Quotes for Your Highlander
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,161 |
| 2 | Oklahoma Farmers Union | $1,190 |
| 3 | The Hartford | $1,373 |
| 4 | GEICO | $1,381 |
| 5 | Farmers | $1,394 |
| 6 | Safe Auto | $1,419 |
| 7 | State Farm | $1,583 |
| 8 | Liberty Mutual | $1,816 |
| 9 | Travelers | $1,868 |
| 10 | Mercury | $2,053 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | Shelter | $2,129 |
| 13 | MetLife | $2,147 |
| 14 | Progressive | $2,179 |
| 15 | Home State | $2,214 |
| 16 | Allstate | $2,400 |
| 17 | Safeco | $5,209 |
| Get a Custom Quote Go | ||
USAA has some of the most affordable car insurance rates in Oklahoma City at around $1,161 annually. Oklahoma Farmers Union, The Hartford, GEICO, and Farmers would also be considered some of the best Oklahoma City, OK car insurance companies.
As the example above demonstrates, if you are a customer of The Hartford and switched to USAA, you may see yearly savings of in the neighborhood of $212. Policyholders with GEICO might save as much as $220 a year, and Farmers policyholders might reduce rates by $233 a year.
To find the cheapest coverage for you, click here to begin a quote or quote prices from the following companies.
These policy prices are averaged for all types of insureds and vehicles and and are not calculated with an exact zip code location for a Toyota Highlander. So the car insurance company that is best for you may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own driver and vehicle profiles.
The information below demonstrates how choosing different deductibles can affect annual premium costs when getting quotes for cheap insurance for a Toyota Highlander. Data assumes a single female driver, full coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could lower rates by $504 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $762 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could drop their prices up to $1,114 every year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Insurance rate increases from tickets or accidents
The recommended way to find the most affordable insurance premiums in Oklahoma City for a Highlander is to be an attentive driver and avoid accidents and keep your driving record clean. The illustration below shows how violations and accident claims can impact yearly insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data above shows the average cost of an auto insurance policy in Oklahoma City per year with no violations or accidents is $3,104. Get one speeding ticket and the average cost hikes up to $3,495, an increase of $390 each year. Next add one accident along with the one speeding ticket and the yearly cost of insurance for a Toyota Highlander goes up to an average of $4,594. That’s an increase of $1,490, or $124 per month, just for being a less-than-perfect driver!
How to find low-cost car insurance for a Toyota Highlander
Here are some money-saving solutions that can help Oklahoma drivers get more affordable coverage.
- Do not get tickets
- Do not waste money insuring older vehicles for full coverage
- Try to not file small claims
- Drive vehicles with five-star safety ratings
- At-fault accidents will increase rates
- Home or renters coverage can save on auto insurance
- Shop around for lower rates once a year
The last tip in the list is very crucial, as was pointed out in the prior information. Prices in Oklahoma City can change considerably in a year, so don’t hesitate to buy from a different company if you find a cheaper price. Having brand loyalty is commendable, but it’s not a good idea if that dedication is costing a small fortune year after year. If you have a few minutes, shop around and find cheaper car insurance for a Toyota Highlander.