Buying cheap car insurance for a Toyota Highlander hinges on lots of different factors such as whether the vehicle is new, what you do for a living, and citations on your driving record. Drivers pay on average $761 a year for Highlander insurance, but that amount is a valuation calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
There’s a high likelihood you may not be 30 years old (or even female), possibly single instead of married, and you need different coverage limits than the sample rates. Have just a small change in the criteria used to calculate rates can result in a big discrepancy in the cost of insuring your Highlander.
Insurance is an individual thing, so the best method for finding the cheapest insurance price for your Toyota is to do the rate comparisons yourself. Quotes are always free and you can get prices from top-rated car insurance companies that insure vehicles in Nebraska.
The trim level of your Highlander will influence the coverage cost, so the cost to insure a Highlander 2WD trim level will cost $122 less than the cost to insure the high end Highlander Hybrid Limited 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $138 | $198 | $306 | $18 | $92 | $752 | $63 |
| Highlander 4WD | $156 | $240 | $306 | $18 | $92 | $812 | $68 |
| Highlander Sport 4WD | $156 | $240 | $306 | $18 | $92 | $812 | $68 |
| Highlander SE 2WD | $156 | $240 | $306 | $18 | $92 | $812 | $68 |
| Highlander Sport 2WD | $156 | $240 | $306 | $18 | $92 | $812 | $68 |
| Highlander Limited 2WD | $174 | $284 | $306 | $18 | $92 | $874 | $73 |
| Highlander SE 4WD | $174 | $284 | $306 | $18 | $92 | $874 | $73 |
| Highlander Limited 4WD | $174 | $284 | $306 | $18 | $92 | $874 | $73 |
| Highlander Hybrid 4WD | $174 | $284 | $306 | $18 | $92 | $874 | $73 |
| Highlander Hybrid Limited 4WD | $174 | $284 | $306 | $18 | $92 | $874 | $73 |
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in zip code location which can revise rates noticeably.
Best insurance company in Nebraska
Buying coverage from a good quality car insurance provider is difficult considering how many companies there are in Omaha. The company information in the lists below may help you choose which insurers you want to consider putting your business with. These ratings only include large nationwide companies, so companies that have a smaller presence will not be included in this list.
Top 10 Large Auto Insurers in Omaha Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
Top 10 Large Auto Insurers Overall in Omaha
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The illustration below illustrates how your choice of deductibles can raise or lower insurance rates when researching cheap insurance for a Toyota Highlander. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could cut expenses by $256 a year by increasing from a $100 deductible up to a $500 deductible, or save $388 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could lower their rates up to $832 annually by using a higher deductible.
If you do make the decision to raise your deductibles, it is necessary to have enough spare savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Chances are good that you’re overpaying for Highlander insurance
Omaha insurance rates are based on many factors which can substantially change the cost of coverage. Getting older, buying a new vehicle, or having an accident can trigger rate changes that can now make some companies much cheaper than others. Not only may your situation change, but insurance companies change prices every year to reflect underwriting profits or losses. Unexpectedly high claims may cause higher priced premiums, while lower claim levels may produce cheaper Highlander insurance rates.
The graph below shows rates for the cheapest car insurance in Omaha, NE for a 35-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current situation, Safeco has the cheapest car insurance rates in Omaha at $896 a year. This is $420 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the list of the best Omaha, NE auto insurance companies.
Now we will pretend the driver from the above example an accident claim, a lower credit score, and a few blemishes on her driving record. Because every insurance company uses their own formula for determining prices, comparing insurance quotes may now present a completely different list of affordable companies as shown below.
Nationwide now has the cheapest car insurance in Omaha with State Farm, American National, General Casualty, and USAA also having competitive pricing. This shows why drivers need to compare many different companies when trying to find the most affordable auto insurance rates for a Toyota Highlander. Car insurance prices are calculated by many different factors and can change substantially, so the best company the last time you shopped your coverage around may now be quite expensive.
The insurance agencies listed below can most likely provide answers to your questions and help you determine which coverage fits your budget, since lots of people like to get some professional advice when shopping around for cheaper insurance for a Highlander. It can be challenging to find the best coverage yourself, and professional agents can bring peace of mind knowing your coverage gives you enough coverage when you need it. To find an auto insurance agency near you, click the button after the list.
AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930
Jackie Pletan – State Farm Insurance Agent
8333 Cass St – Omaha, NE 68114 – (402) 391-2673
Jay Bergmeier – State Farm Insurance Agent
16707 Q St – Omaha, NE 68135 – (402) 895-7500
More Omaha, NE insurance agents
Tips for finding budget-friendly auto insurance for a Toyota Highlander
The list below summarizes some of the better money-saving suggestions that can help you buy cheap car insurance.
- Do not get traffic tickets
- Drive a car with a high safety rating
- Increase your deductibles
- Good credit can mean cheaper rates
- Having at-fault accidents will increase rates
- Compare rates and switch if you can find a better deal
The final tip is remarkably crucial, as was noted in the prior article. Coverage rates in Omaha can be modified anytime, so drivers shouldn’t be reluctant to buy from a different company if you find a better deal.
Being loyal to a particular company is commendable, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for a Toyota Highlander.