What Car Insurance is Cheapest for a Toyota Highlander in Sacramento?

See How Much You Can Save

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

Finding the cheapest car insurance for a Toyota Highlander is fairly simple, but it depends on many different factors such as miles driven annually, the likelihood of vehicle theft, and any prior driving citations you have received. California drivers will pay around $1,410 per year to insure their Highlander, but that price is a valuation calculated based on a 40-year-old married male driver with full coverage and $250 deductibles.

Most likely you may not be 40 years old (or even male), single instead of married, or maybe you prefer higher deductibles. This shows why the best way to find cheap insurance prices for your Toyota is to do the rate comparisons yourself. It's really quite easy you will receive prices from top-rated companies that insure vehicles in California.

Save Now on Highlander Insurance

The specific model of Highlander tends to impact the insurance rate, so the rate you will pay to insure a Highlander 2WD model will be $270 less expensive the insurance cost for the higher-priced Highlander Hybrid Limited 4WD model, as shown in the prices below.

Toyota Highlander Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $310 $434 $456 $26 $136 $1,362 $114
Highlander 4WD $350 $530 $456 $26 $136 $1,498 $125
Highlander Sport 4WD $350 $530 $456 $26 $136 $1,498 $125
Highlander SE 2WD $350 $530 $456 $26 $136 $1,498 $125
Highlander Sport 2WD $350 $530 $456 $26 $136 $1,498 $125
Highlander Limited 2WD $390 $624 $456 $26 $136 $1,632 $136
Highlander SE 4WD $390 $624 $456 $26 $136 $1,632 $136
Highlander Limited 4WD $390 $624 $456 $26 $136 $1,632 $136
Highlander Hybrid 4WD $390 $624 $456 $26 $136 $1,632 $136
Highlander Hybrid Limited 4WD $390 $624 $456 $26 $136 $1,632 $136
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can influence coverage rates greatly.

Buying coverage from the top car insurance provider can be challenging considering how many different companies there are to choose from in Sacramento. The company rank data listed below may help you select which auto insurance companies to look at when trying find the best insurance for a Toyota Highlander. These rankings are only made up of companies that insure vehicles across America, so companies that may only write in California are not included in these rankings.

Top 10 Large Auto Insurance Providers Overall in Sacramento

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Price comparison of only insuring for liability

Saving money on car insurance is the goal of most people, and an effective way to find cheaper insurance for a Toyota Highlander is to only buy liability coverage. The information below compares car insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,798 per year over and above liability coverage. That raises the question if buying full coverage is a good investment. There is no definitive guideline of when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your vehicle's settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for full coverage, then you might want to consider buying only liability coverage.

There are some conditions where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.

The importance of shopping around

Sacramento car insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply having a birthday, moving to a different location, or getting a couple of tickets can trigger rate changes resulting in some companies being cheaper than competitors.

Not only that, but auto insurance companies modify pricing as often as every three months in order to remain profitable. An unexpected high level of claims may result in higher rates, while profitable underwriting can result in cheaper Highlander insurance rates.

The graph below analyzes the cheapest car insurance in Sacramento, CA for a 35-year-old female driver with a good driving record, no prior claims, and solid credit. If we estimate prices based on her current rating profile, USAA might offer the most affordable car insurance rates in Sacramento at $1,470 per year. This is $181 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the top five cheapest Sacramento, CA auto insurance companies.

Now let's give the driver from above a claim or two, a lower credit score, and a few traffic violations. Since every car insurance company has their own guidelines for determining rates in each state, comparing prices may now present a different ranking of affordable Sacramento car insurance companies as shown below.

Grange now has the best price in Sacramento, CA with Progressive, GEICO, Mercury, and Allstate also being competitive. This example demonstrates why Sacramento drivers need to do a thorough rate comparison when trying to find the most budget-friendly car insurance rates for a Toyota Highlander.

Auto insurance prices are impacted by many risk factors and can change without notice, so the cheapest option the last time you shopped around may now be priced much higher than other options.

How to find budget-friendly insurance for a Toyota Highlander

Below you'll find some of the recommended money-saving ideas that can help you get lower-cost coverage.

The last tip in the list is highly valuable, as we pointed out in the article above. Prices charged by car insurance companies change frequently, so don't hesitate to switch companies if you find a better deal.

Having brand loyalty is commendable, but it's not a good idea if that loyalty results in overpaying a lot of money. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for a Toyota Highlander in Sacramento.

The agencies below can most likely aid you in deciding which coverages and limits you need, as some drivers have questions and prefer to get some professional advice when shopping for the best coverage for a Toyota Highlander. It can be complicated to find the cheapest car insurance policy, and insurance agents licensed in the state of California can give you satisfaction knowing your coverage gives you sufficient coverage for your assets. To find a Sacramento insurance agent nearest to you, click the link after the list.

Bertolino Insurance Agency
9719 Lincoln Village Dr #409 - Sacramento, CA 95827 - (916) 384-9621

Styrsky Insurance Agency
706 56th St - Sacramento, CA 95819 - (916) 361-8114

Pan American Underwriters
1610 Arden Way # 121 - Sacramento, CA 95815 - (916) 286-5960

Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e - Sacramento, CA 95834 - (916) 419-8228

View more Sacramento, CA insurance agents