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2002 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: Dec 6, 2021

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Average insurance rates for a 2002 Toyota Highlander are $912 a year including full coverage. Comprehensive insurance costs on average $148 a year, collision costs $160, and liability costs around $446. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing $1,956 or more. Teen drivers receive the highest rates at $3,716 a year or more.

Annual premium for full coverage: $912

Rate estimates for 2002 Toyota Highlander Insurance

Comprehensive $148
Collision $160
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 driver in their 40's, prices range go from as low as $500 for basic liability insurance to a high of $1,956 for a driver who has had serious violations or accidents.

Liability Only $500
Full Coverage $912
High Risk $1,956

View Chart as Image

2002 Toyota Highlander insurance rates compared
Column chart showing 2002 Toyota Highlander insurance prices range from $566 to $3,716 for full coverage

These differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based 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 2002 Toyota Highlander Insurance

Searching Companies

Consumers who are new to the process of shopping for insurance online will discover buying the lowest-priced car insurance quite difficult.

Compare Quotes for Insurance Coverage

There are a lot of ways you can shop for insurance coverage but some are more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get the quickest rates.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on the submitted data. This saves time by eliminating form submissions to each company.

To enter your information into the quoting system, click to open in new window.

However you get your quotes, compare exactly the same coverage limits and deductibles for each price quote. If you compare higher or lower deductibles you can’t possibly determine the best price for your Toyota Highlander. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that obtaining a wide range of quotes will increase your chances of finding a lower rate.

Do drivers who switch really save?

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim that you’ll save big if you move to them. How do they all say the same thing?

Different companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk might be between the ages of 40 and 55, a clean driving record, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Consumers who fall outside these standards must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully claim big savings. This illustrates why you should get as many quotes as possible. It is impossible to predict which auto insurance company will provide you with the cheapest Toyota Highlander insurance rates.

Toyota Highlander insurance rates have many determining factors

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are some of the factors used by your company to calculate premiums.

  • Bad driving skills means higher rates – Drivers with clean records receive lower rates than people who have multiple driving citations. Only having one citation may increase your cost twenty percent or more. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a fast way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • More claims means more premium – Auto insurance companies generally give better rates to people who do not file claims often. If you file claims often, you can look forward to higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Add-on coverages can add up – There are a lot of extra bells and whistles you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them get rid of them and save.
  • Better credit scores mean better rates – A driver’s credit score is a important factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores. So if your credit score is low, you could save money insuring your 2002 Toyota Highlander by improving your rating.
  • Lower rates come with age – Young drivers are known to get distracted easily when driving so car insurance rates are higher. Adding a teen driver to your policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Car features impact rates – Owning a car with an alarm system can get you a discount on your car insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Toyota. Some instances where coverage would apply would be collision with another vehicle, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the lower your rates will be on Highlander insurance.

Cut your car insurance rates with discounts

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so we researched both the well known as well as the least known ways to save on car insurance.

  • Seat Belts Save – Requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Highlander insurance than drivers with accident claims.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

It’s important to note that most credits do not apply the whole policy. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that possibly offer some of the above discounts include:

  • AAA
  • Progressive
  • State Farm
  • Esurance
  • Nationwide

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

You are unique and your auto insurance should be too

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • Am I covered when driving a rental car?
  • Do I need rental car coverage?
  • Is my teen driver covered when they drive my company car?
  • Will filing a claim cost me more?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • What is UM/UIM insurance?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota Highlander.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different 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 a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A penny saved is a penny earned

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Cost effective 2002 Toyota Highlander insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and these small, regional companies work with independent agents.

We just covered some good ideas how to save on insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with a small mutual company.

To learn more, feel free to browse the following helpful articles:

  • Teen Driver Statistics (Insurance Information Insitute)
  • Rollover Crash FAQ (iihs.org)
  • Car Insurance for Teen Drivers with Divorced Parents (Allstate)
  • Where can I buy Insurance? (Insurance Information Insitute)
  • All About Airbag Safety (State Farm)

Rates by U.S. City

2002 Toyota Highlander Insurance Rates by City
City Premium
New York City, NY $1,446
Los Angeles, CA $1,566
Philadelphia, PA $1,224
Jacksonville, FL $1,327
Phoenix, AZ $1,064
Chicago, IL $1,224
Houston, TX $1,435
Seattle, WA $890
Columbus, OH $762
Indianapolis, IN $777

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $3,716
20 $2,076
30 $926
40 $912
50 $840
60 $820

Full coverage, $500 deductibles

Rates by Deductible

2002 Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,046
$250 $988
$500 $912
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,001
100/300 $1,113
250/500 $1,403
100 CSL $1,046
300 CSL $1,291
500 CSL $1,470

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $5,214
20 $3,304
30 $1,966
40 $1,956
50 $1,870
60 $1,850

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 $118

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $38
Online Quote $60
Total Discounts $346
Rate after discounts $566

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

Find companies with the cheapest rates in your area

2002 Toyota Highlander Insurance Rates by State
State Premium
Alabama $828
Alaska $702
Arizona $760
Arkansas $912
California $1,044
Colorado $874
Connecticut $942
Delaware $1,036
Florida $1,144
Georgia $844
Hawaii $656
Idaho $616
Illinois $680
Indiana $688
Iowa $616
Kansas $870
Kentucky $1,248
Louisiana $1,354
Maine $566
Maryland $752
Massachusetts $732
Michigan $1,590
Minnesota $764
Mississippi $1,096
Missouri $810
Montana $982
Nebraska $722
Nevada $1,096
New Hampshire $660
New Jersey $1,024
New Mexico $810
New York $964
North Carolina $528
North Dakota $750
Ohio $630
Oklahoma $938
Oregon $838
Pennsylvania $874
Rhode Island $1,220
South Carolina $828
South Dakota $772
Tennessee $800
Texas $1,104
Utah $676
Vermont $628
Virginia $548
Washington $706
West Virginia $838
Wisconsin $634
Wyoming $816

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