Finding economical auto insurance for a Toyota Highlander in Kentucky hinges on a lot of factors such as how you use your vehicle, whether or not you have filed claims in the past, and your choice of physical damage deductibles. Kentucky drivers pay approximately $971 annually for Highlander insurance, but that is a projection calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a female, married instead of single, and maybe you want different deductibles. Just a minor difference in the rating criteria used to formulate rates can result in a large change in how much coverage for a Toyota Highlander costs.
Every driver’s needs are different, and that is why the way we recommend to find cheap car insurance rates for your Toyota is to compare as many rates as you can.
Your Toyota’s trim level can impact the cost of insurance, so the price you will be charged to insure a Highlander 2WD trim level will be $166 lower than the price to insure the more expensive Highlander Hybrid Limited 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $176 | $276 | $368 | $22 | $110 | $952 | $79 |
| Highlander 4WD | $200 | $336 | $368 | $22 | $110 | $1,036 | $86 |
| Highlander Sport 4WD | $200 | $336 | $368 | $22 | $110 | $1,036 | $86 |
| Highlander SE 2WD | $200 | $336 | $368 | $22 | $110 | $1,036 | $86 |
| Highlander Sport 2WD | $200 | $336 | $368 | $22 | $110 | $1,036 | $86 |
| Highlander Limited 2WD | $222 | $396 | $368 | $22 | $110 | $1,118 | $93 |
| Highlander SE 4WD | $222 | $396 | $368 | $22 | $110 | $1,118 | $93 |
| Highlander Limited 4WD | $222 | $396 | $368 | $22 | $110 | $1,118 | $93 |
| Highlander Hybrid 4WD | $222 | $396 | $368 | $22 | $110 | $1,118 | $93 |
| Highlander Hybrid Limited 4WD | $222 | $396 | $368 | $22 | $110 | $1,118 | $93 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can raise or lower coverage rates significantly.
How to find a good Kentucky car insurance company
Picking a good quality auto insurance company can be difficult considering how many choices you have in Kentucky. The rank data in the next section could help you decide which auto insurance companies you want to consider comparing rates with. These rankings only include companies that insure vehicles across America, so companies with more of a regional focus are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers in Lexington Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
The chart below highlights how deductible selection can raise or lower insurance costs when trying to find cheap insurance for a Toyota Highlander. Data assumes a married female driver, full coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could pocket $320 a year by switching from a $100 deductible up to a $500 deductible, or save $486 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, can cut as much as $796 or even more just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Types of discounts on Lexington car insurance rates
Insurance providers that offer coverage for a Toyota Highlander may have special discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. A list of companies and their offered discounts can be read below.
- Farm Bureau has discounts for safe driver, multi-vehicle, youthful driver, multi-policy, renewal discount, 55 and retired, and good student.
- Liberty Mutual discounts include safety features, teen driver discount, multi-policy, new vehicle discount, and new graduate.
- State Farm may have discounts that include good driver, safe vehicle, Steer Clear safe driver discount, multiple autos, anti-theft, and passive restraint.
- Auto-Owners Insurance policyholders can earn discounts including paid in full, company car, group or association, good student, and air bags.
- GEICO may include discounts for driver training, membership and employees, multi-policy, defensive driver, and anti-lock brakes.
- SAFECO offers discounts including anti-lock brakes, anti-theft, multi-car, bundle discounts, teen safety rewards, and homeowner.
The diagram below compares yearly insurance costs with and without discounts applied to the premium. The rates are based on a female driver, a clean driving record, no claims, Kentucky state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, anti-theft, multiple policy, homeowner, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Toyota Highlander is 27% or $643.
The agents below can most likely aid you in deciding which car insurance policy is best, since some people have coverage questions and would like to get some professional advice when comparing insurance rates for a Toyota Highlander. It can be complicated to find coverage yourself, so agents can give you peace of mind knowing your policy gives you sufficient coverage at claim time.
To find an auto insurance agency nearest to you, click the link after the list.
Strong Insurance Agency, LLC
80 Codell Dr #120 – Lexington, KY 40509 – (859) 263-5840
State Farm: Clint Conrad
201 Ruccio Way #120 – Lexington, KY 40503 – (859) 276-4366
Dawn Stice – State Farm Insurance Agent
121 Prosperous Pl Ste 11A – Lexington, KY 40509 – (859) 271-2277
View more Lexington, KY insurance agencies
How to find more affordable car insurance for a Toyota Highlander
The list below summarizes some of the recommended money-saving suggestions that can help Kentucky drivers find low-cost car insurance.
- Good credit can mean cheaper rates
- Avoid preventable accidents
- Safer vehicles generally have cheaper insurance rates
- Increase your deductibles
- Violations and traffic tickets increase rates
- Do not pay for full coverage if not needed
- Compare rate quotes often
The last tip is notably valuable, as was emphasized in the article above. Auto insurance prices in Lexington fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a cheaper rate is available.
Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that loyalty ends up costing money that could be going to better use. If you have a few minutes, compare rates to find cheaper auto insurance for a Toyota Highlander.