Who Has the Cheapest Auto Insurance for a Toyota Highlander in San Jose?

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Toyota Highlander insurance
Toyota Highlander insurance image courtesy of QuoteInspector.com

Buying affordable coverage for a Toyota Highlander in California depends on a whole bunch of rating criteria such as the mileage of your daily commute, if you have a tendency to file claims, and any past driving violations you may have had. Drivers in California will pay on average $1,856 each year for Highlander insurance, but that cost is an approximation based on a 40-year-old single female driver with full coverage and $100 deductibles.

There's a high likelihood you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. This demonstrates why the only real way to find cheap insurance prices for your Toyota is to do a thorough rate comparison.

Compare Toyota Highlander Insurance Rates

Your vehicle's trim level will most likely have an effect on price, so the rate you will pay to insure a Highlander 2WD trim level will be $368 cheaper than the cost to insure the high end Highlander Hybrid Limited 4WD model, as demonstrated by the prices below.

Toyota Highlander Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $366 $638 $574 $34 $172 $1,784 $149
Highlander 4WD $412 $776 $574 $34 $172 $1,968 $164
Highlander Sport 4WD $412 $776 $574 $34 $172 $1,968 $164
Highlander SE 2WD $412 $776 $574 $34 $172 $1,968 $164
Highlander Sport 2WD $412 $776 $574 $34 $172 $1,968 $164
Highlander Limited 2WD $458 $914 $574 $34 $172 $2,152 $179
Highlander SE 4WD $458 $914 $574 $34 $172 $2,152 $179
Highlander Limited 4WD $458 $914 $574 $34 $172 $2,152 $179
Highlander Hybrid 4WD $458 $914 $574 $34 $172 $2,152 $179
Highlander Hybrid Limited 4WD $458 $914 $574 $34 $172 $2,152 $179
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Finding low-priced insurance is not the easiest thing to do, and figuring out which company offers the cheapest insurance rates for a Toyota Highlander will involve a bit more work. Every car insurance company uses different criteria for determining prices, so let's begin by examining the overall cheapest insurance companies in California.

It's important that readers know that San Jose, CA insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. This is why it is crucial to do a thorough rate comparison when trying to find the lowest auto insurance quotes for a Toyota Highlander. Insurance prices are influenced by many different factors and can change substantially, so the cheapest company a year ago may now be one of the higher cost companies.

Find the Cheapest Car Insurance for Your Highlander

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What's the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 CSAA $1,186
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,447
8 Progressive $1,496
9 Allstate $1,497
10 GEICO $1,513
11 Mercury $1,548
12 Allied $1,588
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,739
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $2,026
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USAA generally has some of the best car insurance rates in San Jose at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheaper San Jose, CA insurance companies.

As the rates illustrate above, if you currently have coverage with CSAA and switched to USAA, you could earn yearly savings of roughly $77. Drivers with Century National might save as much as $105 a year, and Nationwide policyholders might cut rates by $154 a year.

To discover how much you can save, click here to begin a quote or click several companies below for low rates.

Be aware that those premium estimates are averages for all insureds and vehicles and do not factor in an exact location for a Toyota Highlander. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.

Discount San Jose car insurance rates

Insurance for a Highlander in San Jose, CAInsurance providers that offer cheap quotes for a Toyota Highlander could also offer special discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. The best insurance companies and some of their more popular discounts include:

The chart below illustrates the difference between insurance costs with and without discounts applied to the premium. The prices are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, claim-free, passive restraint, homeowner, multiple policy, and vehicle safety discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Toyota Highlander is 28% or $922.

The information below demonstrates how deductibles can raise or lower insurance costs when quoting cheap insurance for a Toyota Highlander. The prices are based on a married male driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 40-year-old driver could save $322 a year by increasing from a $100 deductible to a $500 deductible, or save $488 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save up to $1,062 each year by using a higher deductible.

If you do raise deductibles, it's a good idea to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Here's why you should compare rates often

San Jose, CA insurance rates are based on many factors which can substantially change the cost of your policy. Simply having a birthday, getting married, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than competitors. Also, companies file new rates at least once a year in order to protect their financial rating. Higher than normal claims can cause a rate increase, while a profitable period can result in more affordable Highlander insurance rates.

As an example, the data below analyzes the cheapest car insurance in San Jose, CA for a 40-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate prices based on his current risk factors, USAA may have the most affordable car insurance rates in San Jose at $1,181 per year. This is $470 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the best San Jose, CA auto insurance companies.

In the next rate comparison, we'll give the driver in the first example a chargeable claim, a lower credit score, and a speeding ticket. Because each insurer has their own guidelines to determine rates, comparing rates could now result in a completely different list of cheap San Jose auto insurance companies as shown below.

Grange now has the lowest price on auto insurance in San Jose with Allstate, Progressive, Mercury, and GEICO completing the list. This illustrates why San Jose drivers need to do a thorough rate comparison to get cheap insurance rates for a Toyota Highlander. Rates are calculated by many risk factors and can change substantially, so the cheapest company the last time you shopped around may now be one of the higher cost companies.

If you prefer to get some guidance when trying to find the best insurance rates for a Highlander, the professional agents shown below can most likely help you decide which coverage meets your needs best.

To find an auto insurance agency by location nearest to you, click the button after the list or click here to compare prices now.

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How to find budget-friendly car insurance for a Toyota Highlander

The list below shows some of the better penny-pinching solutions that can help California drivers quote lower-cost coverage.

The final tip is remarkably necessary, as was discussed in the prior information. Prices fluctuate considerably, so don't be afraid to change to a new company if a more affordable price is available. Having brand loyalty is commendable, but we do not recommend it if it's costing you a small fortune. In just a few minutes you could shop around to find cheaper insurance for a Toyota Highlander in San Jose.