2011 Toyota Highlander Insurance Rates
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UPDATED: Dec 6, 2021
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Average insurance rates for a 2011 Toyota Highlander are $1,156 a year for full coverage insurance. Comprehensive insurance costs on average $224 each year, collision costs $310, and liability insurance costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing $2,484 or more. Teenage drivers receive the highest rates at $4,492 a year or more.
Annual premium for full coverage: $1,156
Rate estimates for 2011 Toyota Highlander Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for basic liability insurance to a high rate of $2,484 for a driver who has had serious violations or accidents.
These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.
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 2011 Toyota Highlander Insurance
Want lower insurance coverage rates for your Toyota Highlander? Trying to find low-cost insurance for your Toyota Highlander can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time.
There is a right way and a wrong way to find insurance coverage online and you need to know the proper way to compare rates for your Toyota and find the best price possible.
It’s a great practice to check insurance coverage prices at least once a year due to the fact that insurance rates change regularly. Even if you think you had the best rates for Highlander insurance on your last policy you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the fastest way to save on insurance coverage.
If you have a policy now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Buying the cheapest insurance coverage can be fairly easy. Drivers just need to understand how to compare rates over the internet.
Auto Insurance Comparisons
Performing a rate comparison is a ton of work if you aren’t aware of the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you can utilize the web to get prices fast.
Most major companies are enrolled in a marketplace that enables customers to complete one form, and every company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions to every company.
To compare 2011 Toyota Highlander rates now click here to open in new window.
Whichever way you use, make absolute certain that you use apples-to-apples coverage limits and deductibles with every price quote. If you have different deductibles it will be next to impossible to make a fair comparison for your Toyota Highlander.
Be sure to get all your discounts
Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked about before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.
- Accident Waiver – Some insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
- Safe Drivers – Safe drivers may save up to 50% more for Highlander insurance than less cautious drivers.
- Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
- Student in College – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous. But all discounts will help reduce the cost of coverage.
Companies who might offer some of the above discounts are:
- State Farm
- American Family
- Liberty Mutual
Before buying, ask each company what discounts are available to you. All car insurance discounts may not apply in every state.
How do I know if I need professional advice?
When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.
For example, these questions can aid in determining if your insurance needs could use an agent’s help.
- How high should my medical payments coverage be?
- Do I need roadside assistance coverage?
- Is my state a no-fault state?
- Does medical payments coverage apply to all occupants?
- What if I total my 2011 Toyota Highlander and owe more than it’s worth?
- Will filing a claim cost me more?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Parts of your auto insurance policy
Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Collision insurance will pay to fix damage to your Highlander resulting from a 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 pays for claims like colliding with a tree, backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, prosthetic devices, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2011 Toyota Highlander.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
Auto liability insurance
This coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like attorney fees, funeral expenses, medical services, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
In the end, you save
Cheap 2011 Toyota Highlander insurance can be found from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.
Drivers leave their current company for any number of reasons including being labeled a high risk driver, lack of trust in their agent, policy non-renewal and even high rates after DUI convictions. Whatever your reason, switching insurance coverage companies is not as difficult as it may seem.
For more information, feel free to browse the resources below:
- Tools for Teen Driving Safety (State Farm)
- Property Damage Coverage (Liberty Mutual)
- What is Gap Insurance? (Insurance Information Insitute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
Rates by U.S. City
|New York City, NY||$1,827|
|Los Angeles, CA||$1,977|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$75|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$45|
Discounts are estimated and may not be available from every company or in every state.