Finding cheaper car insurance for a Toyota Highlander in Nevada hinges on many different factors such as whether you are a homeower, your credit rating, and any prior driving offenses. Drivers in Nevada pay on average $1,081 a year to insure their Highlander, but that amount is a projection using a 40-year-old married male driver with full coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Having the smallest difference in rating criteria or coverage limits could end up with a large change in rates.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest insurance price for your Toyota is to just take the time to compare rates yourself.
Cheapest Toyota Highlander Insurance Rates
The trim level of your Highlander will be a contributing factor to the cost of coverage, so the cost to insure a Highlander 2WD model will be $220 cheaper than the insurance cost for the more well-appointed Highlander Hybrid Limited 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $242 | $362 | $318 | $18 | $96 | $1,036 | $86 |
| Highlander 4WD | $272 | $440 | $318 | $18 | $96 | $1,144 | $95 |
| Highlander Sport 4WD | $272 | $440 | $318 | $18 | $96 | $1,144 | $95 |
| Highlander SE 2WD | $272 | $440 | $318 | $18 | $96 | $1,144 | $95 |
| Highlander Sport 2WD | $272 | $440 | $318 | $18 | $96 | $1,144 | $95 |
| Highlander Limited 2WD | $304 | $520 | $318 | $18 | $96 | $1,256 | $105 |
| Highlander SE 4WD | $304 | $520 | $318 | $18 | $96 | $1,256 | $105 |
| Highlander Limited 4WD | $304 | $520 | $318 | $18 | $96 | $1,256 | $105 |
| Highlander Hybrid 4WD | $304 | $520 | $318 | $18 | $96 | $1,256 | $105 |
| Highlander Hybrid Limited 4WD | $304 | $520 | $318 | $18 | $96 | $1,256 | $105 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in vehicle garaging location which can impact price quotes greatly.
Ending up with the right car insurance company is difficult considering how many different companies insure vehicles in Las Vegas. The rank data listed below could help you analyze which auto insurers to look at purchasing from.
These ratings are for large insurance companies, so companies without a large exposure will not be included in the list. To check prices from many more Nevada auto insurance companies, follow this link.
| 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 |
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Illustration showing the impact of accidents and violations
The ideal way to find cheap insurance prices in Las Vegas for a Highlander is to drive carefully and avoid accidents and traffic citations. The diagram below shows how speeding tickets and accident claims drive up auto insurance rates for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of auto insurance in Nevada per year with no violations or accidents is $1,663. Factor in two speeding tickets and the average cost hikes up to $2,194, an increase of $532 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Toyota Highlander goes up to an average of $4,302. That’s an increase of $2,640, or $220 per month, just for not driving carefully!
Full coverage versus liability only rates
Finding cheaper insurance should be important to the majority of people, and one of the easiest ways to reduce the cost of insurance for a Toyota Highlander is to buy only liability coverage. The diagram below illustrates the difference between insurance costs with full coverage compared to only the Nevada minimum liability coverage. The data is based on no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, physical damage insurance costs an additional $2,339 per year more than buying just liability insurance. Many of you may wonder if buying full coverage is worth the money. There is no clear-cut rule of when to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
Tips to find the cheapest car insurance for a Toyota Highlander
Here are a few penny-pinching solutions that can help Nevada drivers find low-cost auto insurance.
- Drivers with good credit ratings often pay less
- Increase deductibles to save money
- Having too many claims will increase rates substantially
- Bundle home and auto and earn a discount
- Save money by only buying liability coverage for older vehicles
- Get cheaper liability coverage by choosing a safer vehicle
- Compare prices as often as possible
The final tip is highly necessary, as we hit on in the article above. Car insurance rates go up and down frequently, so don’t be hesitant to buy a different policy if you can find a cheaper rate.
Having brand loyalty is commendable, but we do not recommend it if that loyalty results in overpaying thousands of dollars over several years. Spend a few minutes and compare prices to find cheaper insurance for a Toyota Highlander in Las Vegas.