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2001 Toyota Highlander Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2001 Toyota Highlander are $896 a year with full coverage. Comprehensive insurance costs around $144, collision insurance costs $152, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,914 or more. Teen drivers receive the highest rates at up to $3,656 a year.

Annual premium for full coverage: $896

Rate estimates for 2001 Toyota Highlander Insurance

Comprehensive $144
Collision $152
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2001 Toyota Highlander models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $496 for basic liability insurance to a much higher rate of $1,914 for a high risk driver.

Liability Only $496
Full Coverage $896
High Risk $1,914

View Chart as Image

2001 Toyota Highlander insurance rates compared
Column chart showing 2001 Toyota Highlander insurance prices range from $557 to $3,656 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2001 Toyota Highlander Insurance

Searching Companies

Paying for high-priced Toyota Highlander insurance can take a big chunk out of your checking account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to help make ends meet. Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite lowest rate possible.

It’s important to get comparison quotes once or twice a year because prices fluctuate regularly. Even if you think you had the lowest price on Highlander insurance two years ago there is a good chance you can find better rates now. So just ignore everything you know about car insurance because I’m going to teach you how to use online quotes to lower your annual insurance bill.

If you have a current insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maximizing coverage. Finding the best rates is quite easy. Consumers just need to know the best way to shop for insurance online.

Toyota Highlander rates influenced by many factors

Consumers need to have an understanding of the rating factors that help determine the rates you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better insurance rates.

The following are a few of the “ingredients” insurance companies consider when setting rates.

  • Marriage pays dividends – Being married actually saves money on insurance. Marriage means you’re more mature and statistics show being married results in fewer claims.
  • Where you live can impact rates – Living in a rural area can save you money when it comes to insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers have to deal with traffic congestion and longer commute times. More time on the road means more change of being in an accident.
  • A clean driving record saves money – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Even one citation can bump up the cost twenty percent or more. Drivers who get severe violations such as DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a fast way to bump up your insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Cut your auto insurance rates with discounts

Auto insurance companies don’t always advertise every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates on Highlander insurance.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Highlander insurance than drivers with accident claims.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies that may offer some of the above discounts are:

Double check with each company which discounts you may be entitled to. Some discounts might not be offered everywhere.

The fine print in insurance ads

Drivers can’t get away from ads for car insurance savings from the likes of State Farm and Allstate. All the ads say the same thing of big savings if you switch your coverage to them.

How does each company say the same thing?

Insurance companies are able to cherry pick for the driver they prefer to insure. A good example of a driver they prefer might be profiled as over the age of 50, is a homeowner, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Consumers who are not a match for the requirements will have to pay a more expensive rate which leads to the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how companies can make the claims of big savings. Because of the profiling, you should get as many comparisons as possible. It’s impossible to know which insurance companies will fit your personal profile best.

You are unique and your car insurance should be too

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your situation may require specific advice.

  • Should I buy additional glass protection?
  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • Can I afford low physical damage deductibles?
  • Should I get collision insurance on every vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered by my spouse’s policy after a separation?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Uninsured and underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Highlander.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

This will pay to fix damage to your Highlander caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like funeral costs, surgery, chiropractic care and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, medical expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

In this article, we presented some good ideas how to compare 2001 Toyota Highlander insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may even find the biggest savings come from the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Additional detailed information is available in these articles:

Rates by U.S. City

2001 Toyota Highlander Insurance Rates by City
City Premium
New York City, NY $1,416
Los Angeles, CA $1,533
Philadelphia, PA $1,198
Jacksonville, FL $1,302
Phoenix, AZ $1,042
Chicago, IL $1,202
Houston, TX $1,404
Seattle, WA $874
Columbus, OH $750
Indianapolis, IN $762

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2001 Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $3,656
20 $2,036
30 $908
40 $896
50 $822
60 $804

Full coverage, $500 deductibles

Rates by Deductible

2001 Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,022
$250 $966
$500 $896
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $896
50/100 $984
100/300 $1,095
250/500 $1,382
100 CSL $1,029
300 CSL $1,272
500 CSL $1,449

Full coverage, driver age 40

Rates for High Risk Drivers

2001 Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $5,124
20 $3,238
30 $1,924
40 $1,914
50 $1,832
60 $1,812

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $51
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $339
Rate after discounts $557

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2001 Toyota Highlander Insurance Rates by State
State Premium
Alabama $812
Alaska $688
Arizona $744
Arkansas $896
California $1,022
Colorado $856
Connecticut $922
Delaware $1,014
Florida $1,122
Georgia $826
Hawaii $644
Idaho $608
Illinois $668
Indiana $674
Iowa $602
Kansas $852
Kentucky $1,224
Louisiana $1,328
Maine $552
Maryland $740
Massachusetts $718
Michigan $1,558
Minnesota $750
Mississippi $1,074
Missouri $796
Montana $964
Nebraska $706
Nevada $1,074
New Hampshire $646
New Jersey $1,002
New Mexico $794
New York $944
North Carolina $516
North Dakota $734
Ohio $620
Oklahoma $922
Oregon $822
Pennsylvania $856
Rhode Island $1,198
South Carolina $812
South Dakota $756
Tennessee $788
Texas $1,080
Utah $664
Vermont $614
Virginia $538
Washington $694
West Virginia $822
Wisconsin $622
Wyoming $800

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