How Much are Chandler Car Insurance Quotes for a Toyota Highlander?

Finding the cheapest coverage for a Toyota Highlander in Arizona is dependent upon a large number of rating criteria such as how far you commute, whether or not you garage your vehicle, and if you have a history of accidents. Drivers in Arizona will pay on average $1,241 a year for Highlander insurance, but that amount is an estimation using a 40-year-old single male driver with full physical damage coverage and $100 deductibles.

Most likely you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you prefer liability limits higher than required by Arizona state law. Auto insurance is unique to each driver, so the only real way to find the cheapest coverage for your Toyota is to do a thorough rate comparison. Quotes only take a couple of minutes and you will be able to see rates from some of the cheapest companies that sell coverage in Arizona.

Cheapest Toyota Highlander Insurance Rates

The specific trim level has an effect on the coverage cost, so the rate you will pay to insure a Highlander 2WD trim level will be $258 cheaper than the price to insure the high end Highlander Hybrid Limited 4WD trim level, as shown below.

Toyota Highlander Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $252 $440 $362 $22 $108 $1,184 $99
Highlander 4WD $286 $536 $362 $22 $108 $1,314 $110
Highlander Sport 4WD $286 $536 $362 $22 $108 $1,314 $110
Highlander SE 2WD $286 $536 $362 $22 $108 $1,314 $110
Highlander Sport 2WD $286 $536 $362 $22 $108 $1,314 $110
Highlander Limited 2WD $318 $632 $362 $22 $108 $1,442 $120
Highlander SE 4WD $318 $632 $362 $22 $108 $1,442 $120
Highlander Limited 4WD $318 $632 $362 $22 $108 $1,442 $120
Highlander Hybrid 4WD $318 $632 $362 $22 $108 $1,442 $120
Highlander Hybrid Limited 4WD $318 $632 $362 $22 $108 $1,442 $120
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can lower or raise price quotes greatly.

Ratings for Chandler car insurance companies

Choosing a good quality company can be a challenge considering how many different companies there are to choose from in Chandler. The information displayed below could help you pick which car insurance companies you want to consider comparing rates from.

The rankings below include companies that insure vehicles nationwide, so companies with more of a regional focus will not be included in the list. If you’d like to compare prices and find the cheapest rates for a Toyota Highlander, click here.

Chandler, AZ Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

The illustration below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a Toyota Highlander. The premiums assume a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could cut expenses by $258 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save $856 every year by choosing a larger deductible amount. When increasing deductibles, it will be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Rate comparison of full coverage and liability-only

Reducing premiums for car insurance is probably important to most vehicle owners, and a good way to pay less for insurance for a Toyota Highlander is to only buy liability insurance. The diagram below visualizes the comparison of car insurance costs with and without physical damage coverage. Data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $1,706 per year more than carrying just liability coverage. At some point, about every driver wonders if you should buy full coverage at all. There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

How to find more affordable insurance for a Toyota Highlander

The list below summarizes a few money-saving ideas that can help Arizona drivers buy low-cost car insurance.

The last idea is notably necessary, as we hit on in this write-up. Insurance rates can be adjusted at any time, so drivers shouldn’t hesitate to change to a new company if a lower price can be found. Brand loyalty is great, but it isn’t a good idea if that dedication is costing money that could be going to better use. In just a few minutes you could shop around to find cheaper auto insurance for a Toyota Highlander in Chandler.

The agents shown below can most likely aid you in deciding which auto insurance coverages would be the best in your situation, since lots of people like to have professional advice when trying to find the best insurance rates for a Highlander. It can be challenging to find the best coverage yourself, so getting advice from a licensed Arizona insurance agent can bring satisfaction knowing your coverage gives you enough coverage if you have a claim.

To locate a Chandler auto insurance agent by location nearest to you, click the button following the list.

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