Finding economical auto insurance for a Toyota Highlander in Ohio is pretty easy for most people, but it relies on a lot of factors such as the mileage of your daily commute, your profession, and any prior driving offenses. Ohio drivers pay approximately $834 a year to insure their Highlander, but that is a projection using a 50-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you are not 50 years old and maybe not even female, married instead of single, or maybe you want different physical damage deductibles. Have just a small change in the rating criteria used to formulate rates can make a big difference in the price of coverage.
Auto insurance is unique to each driver, so the best way to find cheap insurance rates for your Toyota is to compare as many rates as possible.
The trim level of your vehicle will most likely have an effect on the yearly cost, so the rate you will pay to insure a Highlander 2WD will be $168 less than the cost to insure the high end Highlander Hybrid Limited 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $168 | $284 | $256 | $16 | $76 | $800 | $67 |
| Highlander 4WD | $190 | $346 | $256 | $16 | $76 | $884 | $74 |
| Highlander Sport 4WD | $190 | $346 | $256 | $16 | $76 | $884 | $74 |
| Highlander SE 2WD | $190 | $346 | $256 | $16 | $76 | $884 | $74 |
| Highlander Sport 2WD | $190 | $346 | $256 | $16 | $76 | $884 | $74 |
| Highlander Limited 2WD | $212 | $408 | $256 | $16 | $76 | $968 | $81 |
| Highlander SE 4WD | $212 | $408 | $256 | $16 | $76 | $968 | $81 |
| Highlander Limited 4WD | $212 | $408 | $256 | $16 | $76 | $968 | $81 |
| Highlander Hybrid 4WD | $212 | $408 | $256 | $16 | $76 | $968 | $81 |
| Highlander Hybrid Limited 4WD | $212 | $408 | $256 | $16 | $76 | $968 | $81 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location which can lower or raise auto insurance rates noticeably.
Selecting a highly-rated auto insurance company is difficult considering how many companies there are to choose from in Columbus. The ranking information in the lists below can help you pick which coverage providers to look at when trying to find the cheapest insurance for a Toyota Highlander.
The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence will not be included in the list. To compare price quotes from many more Ohio auto insurance companies, just click here.
Top 10 Large Auto Insurers in Columbus Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Violations and accidents raise rates
The best way to earn the cheapest car insurance premiums in Columbus for a Highlander is to drive carefully and avoid accidents and traffic citations. The example below highlights how traffic violations and at-fault collisions drive up premium costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in Ohio per year with no violations or accidents is $1,297. Get written up for one speeding ticket and the average cost hikes up to $1,461, an increase of $164 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Highlander goes up to an average of $1,915. That’s an increase of $618, or $51 per month, just for not being a responsible driver!
Low rates today, overpriced tomorrow
Columbus, OH car insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Simply having a birthday, having a teenage driver, or having a fender bender can produce rate changes that may make certain companies cheaper than competitors. Not only that, but insurance companies file new Ohio auto insurance rates as often as every quarter to adjust for unexpected claims or profits. An unexpected high level of claims can cause price increases, while a profitable period can cause lower-priced Highlander insurance rates.
The data below shows which company has the cheapest car insurance in Columbus, OH for a 45-year-old female driver with no accidents or violations, and a high credit rating. If we compare prices based on her current rating profile, Utica National offers the lowest car insurance rates in Columbus at $796 per year. This is $244 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA are also on the list of the cheapest Columbus, OH auto insurance companies.
Let’s now give the driver from the above example a chargeable accident, a little lower credit rating, and a few blemishes on her driving record. Due to the fact that every insurance company uses their own formula for filing rates in each state, comparing rates will most likely result in a slightly different list of the cheapest car insurance companies in Columbus as shown below.
Merchants Insurance Group now has the best insurance rate in Columbus, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This example illustrates why it is critical to perform a complete rate comparison to find the best auto insurance quotes for a Toyota Highlander.
Prices can be determined by many risk factors and change frequently, so the lowest-price company three years ago may now cost much more than other companies.
Tips for buying budget-friendly auto insurance for a Toyota Highlander
The list below details some of the better penny-pinching ideas that can help Ohio drivers find cheap auto insurance.
- Assess whether full coverage is needed
- Avoid having at-fault accidents
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Pay less by remaining claim-free
- Bundle home and auto and save
- Buy vehicles with five-star safety ratings
- Shop around once a year for cheaper rates
The final tip is especially vital, as we emphasized in this write-up. Car insurance prices in Columbus vary greatly, so drivers shouldn’t hesitate to buy from a different company if a better deal can be had.
Being loyal to a particular company is commendable, but it’s not a great idea if that stubbornness costs you a small fortune year after year. Spend a few minutes and compare rates and find cheaper insurance for a Toyota Highlander.