Finding competitive auto insurance for a Toyota Highlander in Georgia is pretty easy to do, but it depends on a large number of factors such as how far you drive to work, your geographic location, and any prior driving citations you have received. Drivers in Georgia pay approximately $1,432 each year to insure their Highlander, but that is calculated using a 30-year-old married female driver with full physical damage coverage and $100 deductibles.
There’s a good chance you are not 30 years old and maybe not even female, maybe you are single instead of married, and maybe your Highlander is older and does not require full coverage. Having even a minor difference in the criteria used to calculate rates can result in a big discrepancy in the cost of a policy.
Different coverage needs are the reason why the only way to find cheap insurance prices for your Toyota is to do your own rate comparisons.
Cheapest Toyota Highlander Insurance Rates
The trim level of your Highlander will most likely have an effect on the insurance rate, so the price you will pay to insure a Highlander 2WD trim level will be $298 less expensive the cost to insure the high end Highlander Hybrid Limited 4WD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $328 | $492 | $402 | $24 | $120 | $1,366 | $114 |
| Highlander 4WD | $370 | $600 | $402 | $24 | $120 | $1,516 | $126 |
| Highlander Sport 4WD | $370 | $600 | $402 | $24 | $120 | $1,516 | $126 |
| Highlander SE 2WD | $370 | $600 | $402 | $24 | $120 | $1,516 | $126 |
| Highlander Sport 2WD | $370 | $600 | $402 | $24 | $120 | $1,516 | $126 |
| Highlander Limited 2WD | $412 | $706 | $402 | $24 | $120 | $1,664 | $139 |
| Highlander SE 4WD | $412 | $706 | $402 | $24 | $120 | $1,664 | $139 |
| Highlander Limited 4WD | $412 | $706 | $402 | $24 | $120 | $1,664 | $139 |
| Highlander Hybrid 4WD | $412 | $706 | $402 | $24 | $120 | $1,664 | $139 |
| Highlander Hybrid Limited 4WD | $412 | $706 | $402 | $24 | $120 | $1,664 | $139 |
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in vehicle location which can impact prices considerably.
Shopping around for affordable insurance is not easy, and finding out which company quotes the lowest-priced auto insurance rates for a Toyota Highlander involves a bit more work. Every car insurance company has a different formula for determining rates in each state, so let’s take a look at the auto insurance companies with the most affordable rates in Georgia.
Best Car Insurance Prices for Your Highlander
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $864 |
| 2 | The Hartford | $895 |
| 3 | USAA | $978 |
| 4 | Central Mutual | $1,193 |
| 5 | MetLife | $1,238 |
| 6 | Georgia Farm Bureau | $1,273 |
| 7 | Travelers | $1,331 |
| 8 | Safeco | $1,369 |
| 9 | Country | $1,391 |
| 10 | Mercury | $1,397 |
| 11 | State Farm | $1,446 |
| 12 | Allied | $1,452 |
| 13 | California Casualty | $1,515 |
| 14 | Encompass | $1,673 |
| 15 | Progressive | $1,791 |
| 16 | Nationwide | $1,901 |
| 17 | Liberty Mutual | $2,044 |
| 18 | GEICO | $2,143 |
| 19 | Allstate | $2,202 |
| 20 | Victoria | $2,483 |
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Auto-Owners offers some of the most affordable car insurance rates in Atlanta at around $864 annually. This is $665 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the most economical Atlanta, GA auto insurance companies.
As illustrated above, if you currently have coverage with MetLife and switched to The Hartford, you could realize annual savings of upwards of $343. Insureds with Georgia Farm Bureau may save as much as $378 a year, and Travelers policyholders might lower prices by $436 a year.
To see if your current coverage is too expensive, click here to get quotes or feel free to get quotes from the companies below.
Remember that these rates are averages for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for a Toyota Highlander. So the company that has the cheapest price for you may not even be in the top 20 companies in the list above. That’s why you need to compare as many prices as possible using your own specific driver and vehicle information.
Accidents and violations increase rates
The easiest method to earn affordable auto insurance prices for a Highlander is to drive cautiously and avoid getting tickets or having accidents. The chart below highlights how traffic violations and accident claims raise insurance costs for each age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in Georgia per year with no accidents and a clean driving record is $1,625. Get one speeding ticket and the average cost hikes up to $1,896, an increase of $271 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for a Toyota Highlander goes up to an average of $4,358. That’s an increase of $2,733, or $228 per month, just for not driving responsibly!
The importance of shopping around for Highlander insurance
Georgia auto insurance rates are calculated based on many things that may substantially change the price you have to pay. Simply having another birthday, having a teenage driver, or getting caught speeding can trigger price changes resulting in some companies being more affordable than before. Not only may your situation change, but companies amend premium rates every year or even multiple times each year to help ensure profitability. Heavier than normal losses may cause higher priced premiums, while lower claim levels can produce more affordable Highlander insurance rates.
To help illustrate this point, the graph below analyzes the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. If we look at prices based on his current risk profile, Auto-Owners might offer the most affordable car insurance rates in Atlanta at $1,160 per year. This is $369 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the list of the most affordable Atlanta, GA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an accident surcharge, a lower credit rating, and a speeding ticket. Because every insurance company has their own unique process for filing rates in each state, comparing rates most likely will result in a new list of the cheapest Atlanta car insurance companies as shown below.
Georgia Farm Bureau now has the cheapest price in Atlanta with The Hartford, USAA, Country, and Safeco now rounding out the top five. This demonstrates why it is crucial to perform an extensive rate comparison to find the lowest car insurance quotes for a Toyota Highlander. Car insurance prices are impacted by many risk factors and can decrease or increase without notice, so the best company a year ago may now be one of the higher cost companies.
Ideas to find cheaper auto insurance for a Toyota Highlander
Below you’ll find some of the better thrifty suggestions that can help you get low-cost coverage.
- Full coverage is expensive so only insure older vehicles for liability only
- Higher deductibles save money
- Drive attentively and avoid accidents
- Clean up your credit
- Buy a vehicle with excellent safety ratings
- Just one traffic violation will increase your rates
- Look for cheaper rates once a year by shopping around
That last piece of advice is highly vital, as we stressed in this piece. Prices charged by car insurance companies can change considerably in a year, so don’t be tentative to buy a different policy if you find a better deal. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that inflexibility results in costing you thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Toyota Highlander in Atlanta.
If you like to have a consultation when comparing insurance rates for a Toyota Highlander, the agents below can most likely answer your questions and help you decide which coverages you need. To find an auto insurance agency close to you, click the button link following the list.
- Valerie Primas – State Farm Insurance Agent
2798 Lakewood Ave SW a – Atlanta, GA 30315 – (404) 209-1225 - Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 - Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 - Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 - Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447