How Much are Tucson Car Insurance Rates for a Toyota Highlander?

Finding cheap car insurance for a Toyota Highlander doesn’t take a ton of time, but it relies on a complicated formula that considers factors such as how safe your vehicle is, your address, and your driving record. Drivers pay on average $959 per year to insure their Highlander, but that is a valuation based upon a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 50 and maybe not even a male, single instead of married, and maybe your Highlander is older and does not require full coverage. Even a minor difference in rating factors or requested coverage amount could end up in a significant change in how much coverage for a Toyota Highlander costs.

Different coverage needs are the reason why the best way to find cheap car insurance rates for your Toyota is to compare as many rates as possible. Quotes are free and easy and you will get price quotes from some of the best companies available.

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Your Toyota’s trim level will likely have an effect on the annual cost of coverage, so the price you will pay to insure a Highlander 2WD trim level will be $192 lower than the cost to insure the higher-priced Highlander Hybrid Limited 4WD trim level, as shown in the chart below.

Toyota Highlander Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $202 $326 $288 $18 $86 $920 $77
Highlander 4WD $228 $396 $288 $18 $86 $1,016 $85
Highlander Sport 4WD $228 $396 $288 $18 $86 $1,016 $85
Highlander SE 2WD $228 $396 $288 $18 $86 $1,016 $85
Highlander Sport 2WD $228 $396 $288 $18 $86 $1,016 $85
Highlander Limited 2WD $254 $466 $288 $18 $86 $1,112 $93
Highlander SE 4WD $254 $466 $288 $18 $86 $1,112 $93
Highlander Limited 4WD $254 $466 $288 $18 $86 $1,112 $93
Highlander Hybrid 4WD $254 $466 $288 $18 $86 $1,112 $93
Highlander Hybrid Limited 4WD $254 $466 $288 $18 $86 $1,112 $93
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific garaging location which can raise or lower prices substantially.

Trying to find cheap insurance is not most people’s favorite thing to do, and finding out which company has the cheapest auto insurance rates for a Toyota Highlander calls for even more perseverance. Every car insurance company has their own guidelines to set premium rates, so let’s take a look at the auto insurance companies with the overall best prices in Arizona.

It’s a good idea to know that Arizona auto insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. This price fluctuation is why Arizona drivers need to take the time to shop around to find the most economical car insurance quotes for a Toyota Highlander. Insurance rates are made up of many risk factors and change substantially, so the cheapest company six months ago may now be an over-priced policy.

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Arizona auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $820
2 Safeco $923
3 Auto-Owners $924
4 USAA $1,091
5 Progressive $1,118
6 Travelers $1,119
7 GEICO $1,131
8 Ameriprise Group $1,208
9 Allied $1,209
10 CSAA $1,225
11 Farm Bureau Mutual $1,285
12 State Farm $1,323
13 Safe Auto $1,336
14 Farmers $1,350
15 Unitrin $1,357
16 Titan $1,418
17 American Family $1,463
18 Amica $1,487
19 California Casualty $1,522
20 MetLife $1,551
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The Hartford may have some of the lowest car insurance rates in Tucson at around $820 a year. This is $608 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Progressive also rank well as some of the more affordable Tucson, AZ auto insurance companies.

In the above rates, if you are currently insured with Safeco and switched to The Hartford, you might realize savings of about $103. Insureds with Auto-Owners could save as much as $104 a year, and USAA insureds might cut rates by $271 a year.

These policy prices are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for a Toyota Highlander. So the auto insurance company that can offer you the best rate may not even be in the top 28 companies in the list above. That illustrates why you need to get rate quotes using your own driver and vehicle profiles.

Cost of full coverage

Reducing the cost of auto insurance is probably important to most people, and one way to find cheaper insurance for a Toyota Highlander is to only buy liability coverage. The information below shows the comparison of auto insurance costs with and without full coverage. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

As an overall average, comp and collision coverage costs $2,071 per year over liability only. That is a large expense and it proposes the question if buying full coverage is worth the expense. There is no definitive rule to delete full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where eliminating full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Are you paying too much for car insurance?

Tucson auto insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Getting older, having a claim, or having an accident can trigger price changes resulting in some companies being cheaper than competitors. Not only may things change on your end, but auto insurance companies change their prices without warning as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can cause increased policy costs, while long-term profits can cause cheaper Highlander insurance rates.

The bar chart below compares the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with no accidents or violations, and excellent credit. If we compare prices based on her current situation, The Hartford might offer the lowest car insurance rates in Tucson at $1,081 per year. This is $347 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the cheapest Tucson, AZ auto insurance companies.

Now we will pretend the driver from the above example an at-fault accident, less-than-perfect credit, and a traffic citation. Since each insurance company uses a different method to determine rates, comparing rates may now present a different ranking of affordable companies as shown below.

Ameriprise Group now has the lowest car insurance rate in Tucson, AZ with GEICO, CSAA, Allied, and Farm Bureau Mutual also being competitive. This example proves why consumers need to take the time to perform an extensive rate comparison to find the most economical auto insurance quotes for a Toyota Highlander. Insurance prices can be altered by many different factors and change dramatically, so the best price the last time you shopped your coverage around may now be one of the higher cost companies.