How Much are Dallas Auto Insurance Rates for a Toyota Highlander?

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

Finding the best cheap car insurance for a Toyota Highlander in Texas is dependent upon a lot of rating criteria such as age of the driver, the size of your vehicle, and your policy deductibles. Drivers will pay on average $1,398 a year for Highlander insurance, but that cost is calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

There's a good chance you aren't exactly 50 years old or even a female, possibly married instead of single, and maybe you want different deductibles. Auto insurance is unique to each driver, so the best way to find cheap car insurance rates for your Toyota is to put in the effort to do a thorough rate comparison. Comparing quotes is easy and you can get prices from the cheapest companies available.

Insure Your Toyota for Less

The trim level of your vehicle will have an impact the cost of insurance, so the price you will be charged to insure a Highlander 2WD model will be $280 cheaper than the cost to insure the higher-end Highlander Hybrid Limited 4WD version, as shown below.

Toyota Highlander Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $282 $476 $430 $26 $128 $1,342 $112
Highlander 4WD $318 $580 $430 $26 $128 $1,482 $124
Highlander Sport 4WD $318 $580 $430 $26 $128 $1,482 $124
Highlander SE 2WD $318 $580 $430 $26 $128 $1,482 $124
Highlander Sport 2WD $318 $580 $430 $26 $128 $1,482 $124
Highlander Limited 2WD $354 $684 $430 $26 $128 $1,622 $135
Highlander SE 4WD $354 $684 $430 $26 $128 $1,622 $135
Highlander Limited 4WD $354 $684 $430 $26 $128 $1,622 $135
Highlander Hybrid 4WD $354 $684 $430 $26 $128 $1,622 $135
Highlander Hybrid Limited 4WD $354 $684 $430 $26 $128 $1,622 $135
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can affect prices substantially.

Selecting the best car insurance company is hard considering how many companies sell insurance in Texas. The company information shown next could help you choose which auto insurers you want to consider purchasing from. These ratings include the largest companies in America, so smaller companies that only insure vehicles in Texas will not be included in this list.

Top 10 Major Auto Insurance Providers in Dallas Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Providers in Dallas Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

How violations and accidents impact rates

A great way to snag the best auto insurance premiums for a Highlander is to be an attentive driver and not get tickets or have accidents. The diagram below shows how speeding tickets and accidents drive up car insurance costs for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of auto insurance in Dallas per year with a clean driving record and no accidents is $1,991. Receive two speeding tickets and the average cost jumps to $2,748, an increase of $758 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Toyota Highlander increases to an average of $5,548. That's an increase of $3,558, or $296 per month, just for a couple of infractions!

The illustration below highlights how deductible selection can impact yearly insurance costs when trying to find cheap insurance for a Toyota Highlander. Data assumes a married male driver, full coverage, and no discounts are applied.

In the chart above, a 30-year-old driver could lower their car insurance rates by $422 a year by changing from a $100 deductible to a $500 deductible, or save $640 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could potentially save as much as $1,270 or even more by choosing a higher deductible. When raising deductibles, it will now be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

You may be paying too much for Highlander insurance

Dallas, TX auto insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply having another birthday, adding a teenager to your policy, or having an accident may generate price changes that may make certain companies cheaper than others. In addition to those changes, auto insurance companies file new rates every year in order to remain profitable. A period of higher than normal claims can cause higher prices, while a profitable period can cause lower-cost Highlander insurance rates.

As an example, the graph below shows a variety of companies that have the cheapest car insurance in Dallas, TX for a 30-year-old female driver with a good driving record, no prior claims, and good credit. When quoting prices based on her current risk factors, Travelers might quote the cheapest car insurance rates in Dallas at $1,315 annually. This is $589 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the top five cheapest Dallas, TX auto insurance companies.

Now let's give the driver from above a claim surcharge, a lower credit rating, and a speeding ticket. Due to the fact that every insurance company has a proprietary formula for filing rates in each state, comparing quotes could result in a substantially altered list of affordable Dallas car insurance companies as shown below.

Mercury now has the best auto insurance rate in Dallas with State Farm, USAA, Nationwide, and Safe Auto completing the list. This example shows why it is critical to perform an extensive rate comparison when trying to get affordable car insurance rates for a Toyota Highlander. Insurance prices are determined by many different factors and can decrease or increase without notice, so the best price the last time you checked may now be an over-priced policy.

How to find the cheapest insurance for a Toyota Highlander

Lowering your rates is not difficult, and here are many money-saving ideas that can help you quote cheaper coverage.

The last tip is very crucial, as was stressed in this write-up. Prices charged by companies adjust frequently, so drivers shouldn't hesitate to switch carriers if you find a cheaper price.

Being loyal to a particular company is commendable, but it isn't a good idea if that loyalty results in overpaying major coinage every year. It only takes a couple minutes to shop around and find cheaper insurance for a Toyota Highlander in Dallas.

The agencies below are willing to help you determine which auto insurance coverages would be the best in your situation, since lots of people like to get some professional input when trying to find the best insurance rates for a Toyota Highlander. It can be hard to find the best rates on your own, and insurance agents licensed in the state of Texas can bring peace of mind knowing your policy gives you sufficient protection if you have a claim. To locate a Dallas auto insurance agent by location nearest to you, click the button at the bottom.

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