Buying cheaper insurance for a Toyota Highlander in Nevada is dependent upon lots of different rating factors such as how far you commute, if you have a tendency to file claims, and if you have a history of accidents. Drivers will pay on average $1,033 per year to insure their Highlander, but that cost is an estimation using a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
There is a good probability you may not be 50 years old (or even female), possibly married instead of single, or you just want cheap liability insurance instead of full coverage. This illustrates why the only real way to find cheap car insurance rates for your Toyota is to do a thorough rate comparison. In less than five minutes you will receive price comparisons from the cheapest companies that sell coverage in Nevada.
The trim level of your Highlander will influence the coverage cost, so the rate you pay to insure a Highlander 2WD model will be $194 less expensive the insurance cost for the higher-priced Highlander Hybrid Limited 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$232||$394||$348||$20||$104||$1,098||$92|
|Highlander SE 2WD||$232||$394||$348||$20||$104||$1,098||$92|
|Highlander Sport 2WD||$232||$394||$348||$20||$104||$1,098||$92|
|Highlander Limited 2WD||$258||$464||$348||$20||$104||$1,194||$100|
|Highlander SE 4WD||$258||$464||$348||$20||$104||$1,194||$100|
|Highlander Limited 4WD||$258||$464||$348||$20||$104||$1,194||$100|
|Highlander Hybrid 4WD||$258||$464||$348||$20||$104||$1,194||$100|
|Highlander Hybrid Limited 4WD||$258||$464||$348||$20||$104||$1,194||$100|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can modify auto insurance rates substantially.
Finding low-cost insurance is not always easy, and deciding which companies offer the cheapest auto insurance rates for a Toyota Highlander in Nevada involves even more perseverance. Each auto insurer uses different criteria to establish rates, so we'll go over the auto insurance companies with the most affordable rates in Nevada.
It's important to know that Nevada auto insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Improving your financial situation, buying a different home, or getting a ticket for careless driving may prompt premium changes that may make certain companies cheaper than others.
Best Auto Insurance Prices for Your Highlander
|Rank||Company||Cost Per Year|
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Travelers normally has some of the best car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and Progressive would also make the list of some of the cheapest Nevada car insurance companies.
As depicted above, if you currently buy coverage from Progressive and switched to Allied, you might see a yearly price reduction of in the vicinity of $281. Insureds with American Family may save as much as $309 a year, and GEICO customers might see rate reductions of $335 a year.
Bear in mind that those rates are averages for all types of insureds and vehicles and and are not figured with a specific rate value for a Toyota Highlander. So the insurer that can offer you the best rate may not even be in the top 20 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.
The illustration below illustrates how choosing a deductible can influence insurance premiums when searching for cheap insurance for a Toyota Highlander in Nevada. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could cut expenses by $342 a year by changing from a $100 deductible up to a $500 deductible, or save $518 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, could reduce their rates up to $1,028 every year by choosing a larger deductible amount.
When choosing a higher deductible, it's a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Get discount Nevada car insurance
Insurance providers that sell policies for a Toyota Highlander may additionally offer premium discounts that may potentially lower prices by 25% or more if you qualify. The best auto insurance companies and a selection of discounts are included below.
- American Family has discounts for air bags, mySafetyValet, good student, accident-free, and defensive driver.
- Farm Bureau includes discounts for driver training, safe driver, multi-policy, good student, renewal discount, 55 and retired, and youthful driver.
- State Farm offers premium reductions for anti-theft, Drive Safe & Save, safe vehicle, multiple policy, and good driver.
- Travelers may have discounts that include continuous insurance, driver training, payment discounts, new car, and save driver.
- The Hartford discounts include air bag, driver training, bundle, anti-theft, defensive driver, vehicle fuel type, and good student.
- GEICO may include discounts for military active duty, seat belt use, air bags, federal employee, multi-vehicle, and membership and employees.
- Progressive offers discounts including homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
The chart below shows the difference between premium costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no violations or claims, Nevada state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, passive restraint, vehicle safety, multiple vehicle, safe-driver, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for a Toyota Highlander is 28% or $432.
How to find more affordable car insurance for a Toyota Highlander in Nevada
Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help drivers find cheap car insurance.
- Full coverage may not be needed on older vehicles
- Choose a safer vehicle and pay lower rates
- Increase physical damage deductibles
- Buying home and auto together can help save money
- Increase your credit score
- Don't have frequent claims
- Shop around for lower rates once a year
That last piece of advice is highly critical, as was pointed out in the prior article. Prices go up and down frequently, so drivers shouldn't be resistant to buy a policy from a new company if you find a better deal. Many drivers have brand loyalty and that's fine, but it isn't a good idea if that loyalty results in overpaying a small fortune year after year. It only take a few minutes to compare rates and find cheaper auto insurance for a Toyota Highlander.