Buying economical auto insurance for a Toyota Highlander in Pennsylvania doesn’t take a ton of time, but it is dependent upon many rating criteria such as your age, the condition of your credit, and any past driving violations you may have had. Drivers in Pennsylvania pay on average $1,209 annually for Highlander insurance, but that amount is an estimation calculated based on a 30-year-old married male driver with full coverage and $100 deductibles.
The problem with using this number is the good chance you’re not a 30-year-old male, possibly single instead of married, or maybe you want different physical damage deductibles. There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap car insurance rates for your Toyota is to compare as many rates as you can. Comparing quotes is easy and you will get price quotes from the best companies in Pennsylvania.
Vehicle trim level will likely have an effect on the cost of coverage, so the price you will pay to insure a Highlander 2WD model will be $254 less than the price to insure the fancier Highlander Hybrid Limited 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $284 | $420 | $330 | $20 | $98 | $1,152 | $96 |
| Highlander 4WD | $320 | $512 | $330 | $20 | $98 | $1,280 | $107 |
| Highlander Sport 4WD | $320 | $512 | $330 | $20 | $98 | $1,280 | $107 |
| Highlander SE 2WD | $320 | $512 | $330 | $20 | $98 | $1,280 | $107 |
| Highlander Sport 2WD | $320 | $512 | $330 | $20 | $98 | $1,280 | $107 |
| Highlander Limited 2WD | $356 | $602 | $330 | $20 | $98 | $1,406 | $117 |
| Highlander SE 4WD | $356 | $602 | $330 | $20 | $98 | $1,406 | $117 |
| Highlander Limited 4WD | $356 | $602 | $330 | $20 | $98 | $1,406 | $117 |
| Highlander Hybrid 4WD | $356 | $602 | $330 | $20 | $98 | $1,406 | $117 |
| Highlander Hybrid Limited 4WD | $356 | $602 | $330 | $20 | $98 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in vehicle garaging location which can modify prices greatly.
Selecting the highest-rated insurance company can be challenging considering how many companies there are to choose from in Pittsburgh. The rank data in the next section can help you select which car insurance providers you want to consider when shopping insurance around for a Toyota Highlander.
These ratings are only comprised of the companies with a significant amount of written premium nationwide, so smaller companies are not included in this list. If you’d like to compare prices from these companies and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost of full coverage
Saving money when shopping for auto insurance is probably important to the majority of drivers, and a good way to pay less for insurance for a Toyota Highlander is to buy liability only. The illustration below illustrates the difference between yearly insurance costs with and without full coverage. Data assumes no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are applied.
Averaged for all ages 20 through 70, full coverage costs $2,090 per year more than just buying liability insurance. Many of you may wonder if you should buy full coverage. There is no set rule to stop paying for full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s book value is $6,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,500 after paying your deductible. If it’s costing you more than $550 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
The diagram below highlights how deductible choice can increase or decrease insurance prices when getting quotes for cheap insurance for a Toyota Highlander. Data assumes a married male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could save $330 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could possibly save $1,096 annually just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it will be required to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Get discounts on Pittsburgh auto insurance rates
Insurance providers that provide policies for a Toyota Highlander may additionally offer rate discounts that may potentially lower prices by as much as 40% or more if you qualify. The best auto insurance companies and some of their more popular discounts can be found below.
- State Farm includes discounts for multiple autos, anti-theft, accident-free, driver’s education, passive restraint, and good student.
- Nationwide may offer discounts for anti-theft, accident-free, Farm Bureau membership, business or organization, and good student.
- GEICO policyholders can earn discounts including anti-lock brakes, federal employee, multi-policy, five-year accident-free, air bags, driver training, and multi-vehicle.
- AAA offers premium reductions for anti-theft, multi-car, AAA membership discount, good student, education and occupation, and good driver.
- 21st Century offers discounts including driver training, air bags, anti-lock brakes, 55 and older, homeowners, good student, and early bird.
- The Hartford has savings for driver training, air bag, defensive driver, good student, anti-theft, bundle, and vehicle fuel type.
The illustration below shows the difference between annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, multiple policy, multiple vehicle, defensive driving course, marriage, and homeowner discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Toyota Highlander is 28% or $628.