How Much are Denver Car Insurance Quotes for a Toyota Highlander?

Finding the cheapest auto insurance for a Toyota Highlander relies on a lot of different factors such as how you use your vehicle, whether you are claim-free, and driving violations and tickets. Drivers will pay around $1,347 annually to insure their Highlander, but that cost is a projection based upon a 30-year-old single male driver with full physical damage coverage and $250 deductibles.

It’s more than likely you may not be 30 years old (or even male), maybe you are married instead of single, or maybe you want more liability coverage than is required by law in Colorado. The different assumptions illustrate why the only way to find cheap insurance rates for your Toyota is to put in the effort to do a thorough rate comparison. Quotes are free and easy and you will receive rate quotes from top-rated car insurance companies that insure Toyota vehicles in Colorado.

Compare Toyota Highlander Insurance Rates

Vehicle trim level tends to have a direct effect on the insurance rate, so the cost to insure a Highlander 2WD model will be $242 cheaper than the cost to insure the high end Highlander Hybrid Limited 4WD version, as shown below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can revise premium rates noticeably.

Ending up with the top car insurance company can be challenging considering how many choices drivers have in Denver. The ranking data listed below can help you choose which car insurance companies you want to consider purchasing from. The ratings below include the largest auto insurers in America, so smaller companies are not factored into these rankings.

Top 10 Large Auto Insurance Companies Overall in Denver

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Top 10 Large Auto Insurance Companies in Denver Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Nationwide
9. Safeco
10. Esurance

Discount Denver auto insurance rates

Car insurance companies that offer coverage for a Toyota Highlander may additionally offer rate discounts that may potentially lower prices by as much as 40% or more if you can meet the requirements. The best car insurance companies and their possible discounts are:

• American Family discounts include air bags, good student, mySafetyValet, good driver, Steer into Savings, TimeAway discount, and multi-vehicle.
• Farm Bureau may offer discounts for good student, safe driver, 55 and retired, renewal discount, and youthful driver.
• State Farm offers premium reductions for safe vehicle, multiple policy, Steer Clear safe driver discount, accident-free, and Drive Safe & Save.
• Travelers has discounts for payment discounts, continuous insurance, home ownership, good student, multi-policy, and student away at school.
• The Hartford has savings for defensive driver, bundle, good student, driver training, air bag, anti-theft, and vehicle fuel type.
• GEICO offers discounts including emergency military deployment, military active duty, seat belt use, driver training, five-year accident-free, anti-lock brakes, and multi-vehicle.
• Progressive policyholders can earn discounts including online quote discount, online signing, multi-vehicle, continuous coverage, good student, homeowner, and multi-policy.

The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The costs are based on a male driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, vehicle safety, marriage, defensive driving course, multiple vehicle, and homeowner discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance for a Toyota Highlander is 28% or $493.

Shop around and save

Denver car insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay for coverage. Simply having another birthday, adding a teenager to your policy, or getting a ticket for careless driving can cause premium changes that may make certain companies much cheaper than others.

Not only may things change on your end, but auto insurance companies amend premium rates as needed in order to be able to pay unexpected claims. Heavier than normal losses can cause a rate increase, while a profitable period can cause lower-cost Highlander insurance rates.

As an example, the chart below shows which companies have the cheapest car insurance in Denver, CO for a 30-year-old male driver with a clear driving record, no claims, and excellent credit. If we look at prices based on his personal risk profile, The Hartford quotes the cheapest car insurance rates in Denver at $1,128 annually. This is $450 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO round out the rest of the top five cheapest Denver, CO auto insurance companies.

Let’s now give the driver from the first rate comparison a couple of claims, a little lower credit rating, and a speeding ticket. Since every car insurance company has their own formula for filing rates in each state, analyzing rate quotes may now result in a different list of cheap Denver auto insurance companies as shown below.

Travelers now has the lowest car insurance rate in Denver, CO with State Farm, Grange, American Family, and Progressive now being in the top five. This shows why it is critical to perform an extensive rate comparison to get the most economical auto insurance quotes for a Toyota Highlander.

Prices can be determined by many things and can change substantially, so the most economical option the last time you shopped around may now be one of the higher cost companies.

How to find budget-friendly car insurance for a Toyota Highlander

Here are some of the better money-saving solutions that can help Colorado drivers buy low-cost car insurance.

• If possible, do not file small claims
• Do not pay for full coverage if not needed
• Raise physical damage deductibles
• Maintain a safe distance and avoid accidents
• Save money by observing traffic laws and speed limits
• Keep rates low by comparing prices once a year

That last tip is particularly vital, as was pointed out in this write-up. Rates in Denver vary considerably, so drivers shouldn’t hesitate to change insurance companies if a lower price can be found. Having a favorite company is great, but it isn’t a good idea if your bullheadedness ends up costing you hundreds of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for a Toyota Highlander.

If you like to have professional advice when comparing insurance rates for a Toyota Highlander, the agents below can aid you in deciding which auto insurance policy would work best for you.

To locate a Denver insurance agent closest to you, click the button below the list or click here to compare price quotes now.

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