Finding competitive coverage for a Toyota Highlander in California can be pretty simple, but it is dependent upon an enormous amount of rating factors such as whether you use your Highlander for business use, the likelihood of your vehicle being stolen, and the level of deductible you choose. California drivers pay approximately $1,325 annually for Highlander insurance, but that amount is an estimation calculated using a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high probability that you are not 30 and maybe not even a male, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest insurance price for your Toyota is to compare as many rates as you can. Get your free quotes now and you will receive price comparisons from some of the best insurers in California.
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The trim level of your vehicle will influence the yearly cost, so the rate you will pay to insure a Highlander 2WD model will cost $190 less than the insurance cost for the high end Highlander Hybrid Limited 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $240 | $298 | $578 | $34 | $174 | $1,324 | $110 |
| Highlander 4WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Highlander Sport 4WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Highlander SE 2WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Highlander Sport 2WD | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Highlander Limited 2WD | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
| Highlander SE 4WD | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
| Highlander Limited 4WD | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
| Highlander Hybrid 4WD | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
| Highlander Hybrid Limited 4WD | $302 | $426 | $578 | $34 | $174 | $1,514 | $126 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in San Francisco location which can lower or raise coverage prices substantially.
Ending up with a good quality company is difficult considering how many different companies insure vehicles in San Francisco. The company information in the lists below can help you analyze which car insurance companies to look at purchasing a policy from.
The rankings below are for large, nationwide insurance companies, so companies that have a smaller presence will not be included in these rankings. If you wish to compare rates and find the cheapest rates for a Toyota Highlander, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Reckless driving habits raise San Francisco insurance rates
The easiest way to obtain affordable insurance premiums for a Highlander is to be a careful driver and not get tickets or have accidents. The chart below illustrates how violations and fender-benders increase yearly insurance costs for different age groups of insureds. The data is based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy in San Francisco per year with a clean driving record and no accidents is $2,305. Receive two speeding tickets and the average cost jumps to $3,184, an increase of $879 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota Highlander jumps again to an average of $4,060. That’s an increase of $1,755, or $146 per month, just for being a less-than-perfect driver!
Get discounts on San Francisco car insurance rates
Auto insurance companies that sell policies for a Toyota Highlander may also give you policy discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. Popular insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, anti-theft, accident-free, and passive restraint.
- Progressive includes discounts for good student, multi-policy, online signing, online quote discount, continuous coverage, multi-vehicle, and homeowner.
- Progressive offers premium reductions for continuous coverage, multi-vehicle, online quote discount, good student, homeowner, multi-policy, and online signing.
- MetLife has discounts for accident-free, good driver, claim-free, defensive driver, multi-policy, and good student.
- Farm Bureau may have discounts that include good student, driver training, multi-policy, renewal discount, 55 and retired, and safe driver.
- GEICO discounts include good student, multi-vehicle, seat belt use, defensive driver, military active duty, air bags, and multi-policy.
- SAFECO has savings for multi-car, drive less, anti-theft, accident prevention training, and homeowner.
The example below illustrates the difference between car insurance costs with and without discounts applied. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, defensive driving course, passive restraint, accident-free, safe-driver, and vehicle safety discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Toyota Highlander is 28% or $845.
Difference between liability only and full coverage rates
Saving on insurance is important to the majority of vehicle owners, and a great way to find cheaper insurance for a Toyota Highlander is to buy only liability coverage. The information below illustrates the difference between auto insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no violations or claims, $100 deductibles, single status, and no discounts are factored in.
As an average, full coverage on your policy costs an additional $3,057 per year over and above liability only. That amount may make you wonder if paying for full coverage is worth it. There isn’t a written rule to stop buying full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
There are some cases where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.