Buying cheaper auto insurance for a Toyota Highlander in Texas is usually pretty straightforward, but it is dependent upon a lot of different factors such as miles driven annually, the performance level of your vehicle, and your policy deductibles. Drivers in Texas will pay on average $1,133 annually to insure their Highlander, but that is a valuation using a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
Most likely you aren’t exactly 50 years old or even a female, you might be married instead of single, or you just prefer to insure for liability only. Just a slight change in rating criteria or coverage limits can result in a big discrepancy in the cost of insuring your Highlander.
This example demonstrates why the only way to find cheap car insurance rates for your Toyota is to compare rates from as many companies as possible. It only takes a few minutes and you can get prices from the best companies available.
Your Toyota’s trim level tends to impact the annual cost of coverage, so the price you will pay to insure a Highlander 2WD trim level will be $192 less than the price to insure the high end Highlander Hybrid Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|Highlander SE 2WD||$232||$392||$430||$26||$128||$1,208||$101|
|Highlander Sport 2WD||$232||$392||$430||$26||$128||$1,208||$101|
|Highlander Limited 2WD||$258||$462||$430||$26||$128||$1,304||$109|
|Highlander SE 4WD||$258||$462||$430||$26||$128||$1,304||$109|
|Highlander Limited 4WD||$258||$462||$430||$26||$128||$1,304||$109|
|Highlander Hybrid 4WD||$258||$462||$430||$26||$128||$1,304||$109|
|Highlander Hybrid Limited 4WD||$258||$462||$430||$26||$128||$1,304||$109|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in San Antonio which can alter premiums noticeably.
Finding the highest-rated insurer is hard considering how many different companies there are to choose from in San Antonio. The ranking information shown next can help you select which auto insurers you want to consider putting your business with.
These rankings only include large insurance companies, so companies that may only write in Texas are not factored into the list. To view rates from these companies and more, click this link.
Top 10 Large Auto Insurance Providers in San Antonio Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Large Auto Insurance Providers in San Antonio 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+
Irresponsible driving raises your rates
The recommended way to snag the best car insurance prices in San Antonio for a Highlander is to be an attentive driver and avoid accidents and keep your driving record clean. The illustration below shows how traffic citations and at-fault accidents raise insurance prices for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of auto insurance per year with no accidents or violations is $2,066. Add in one speeding ticket and the average cost rises to $2,371, an increase of $305 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Highlander increases to an average of $4,976. That’s an increase of $2,910, or $242 per month, just for not being more responsible behind the wheel!
The information below highlights how deductible choice can affect insurance costs when trying to find cheap insurance for a Toyota Highlander. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could cut expenses by $388 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $586 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates as much as $1,268 annually by using a higher deductible. When choosing a higher deductible, it is important to have enough in a savings account to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Types of discounts on San Antonio insurance
Car insurance companies that provide policies for a Toyota Highlander may also provide rate discounts that could potentially reduce rates by 35% or more if you meet eligibility requirements. A list of car insurance companies and their offered discounts are outlined below.
- American Family includes discounts for air bags, multi-vehicle, early bird, good driver, mySafetyValet, good student, and accident-free.
- State Farm discounts include Steer Clear safe driver discount, defensive driving training, anti-theft, driver’s education, and passive restraint.
- 21st Century policyholders can earn discounts including anti-lock brakes, early bird, theft prevention, 55 and older, teen driver, homeowners, and driver training.
- Travelers offers discounts including home ownership, good student, driver training, payment discounts, multi-policy, student away at school, and hybrid/electric vehicle.
- GEICO offers discounts for anti-theft, anti-lock brakes, membership and employees, good student, seat belt use, driver training, and multi-vehicle.
The diagram below visualizes the comparison of insurance costs with and without discounts. The information is based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, accident-free, anti-theft, defensive driving course, passive restraint, and claim-free discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Toyota Highlander is 28% or $535.
The agents listed below are a good start to aid you in deciding which coverage meets your needs best, since some drivers wish to have the advice of a professional agent when trying to find lower insurance rates for a Toyota Highlander. It can be time-consuming to find the best rates on your own, so insurance agents can bring peace of mind knowing your coverage gives you adequate coverage when you need it most. To locate a San Antonio insurance agent closest to you, click the button after the list or click here to compare rates now.
Jeff Ellis – State Farm Insurance Agent
16350 Blanco Rd #115 – San Antonio, TX 78232 – (210) 641-7711
Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094
Juan Garcia – State Farm Insurance Agent
2, 407 N Zarzamora – San Antonio, TX 78207 – (210) 438-5826
Austin Riley – State Farm Insurance Agent
11726 Ste 102A, I-35 – San Antonio, TX 78233 – (210) 514-1120