Cheapest Quotes for Toyota Highlander Insurance in Lubbock

How long has it been since you compared quotes for low-cost Toyota Highlander insurance in Lubbock? Think you have high-priced Toyota Highlander insurance in Lubbock? It’s quite common and you’re not the only one.

Insurance for Toyota HighlanderRemarkably, a study showed that almost 70% of insureds in Texas have bought auto insurance from the same company for at least four years, and approximately 38% of consumers have never taken the time to shop around. Many consumers in the U.S. could save nearly $850 each year just by comparing rates, but they feel it’s too difficult to find affordable rates by getting comparison quotes.

How to find low-cost rates for Toyota Highlander insurance in Lubbock

The best way we recommend to get budget Toyota Highlander insurance is to compare quotes annually from insurers that insure vehicles in Lubbock. You can compare prices by following these guidelines.

An important bit of advice to remember is to make sure you enter the same amount of coverage on every price quote and and to get price quotes from as many companies as you can. This guarantees a fair price comparison and and a good selection of different prices.

Online insurance companies like Progressive, GEICO and Farmers Insurance all promote huge savings with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

It’s a good idea to check auto insurance prices at least once a year because auto insurance rates go up and down regularly. Even if you got the best premium rates on Toyota Highlander insurance in Lubbock a year ago the chances are good that you can find a lower price today. There is a lot of bad information regarding Highlander insurance on the web, but in just a couple of minutes you can learn the easiest ways to stop overpaying for insurance in Lubbock.

Coverage information

The price information shown next highlights a range of insurance coverage prices for Toyota Highlander models. Being aware of how policy rates are established is important for you to make smart choices when selecting a coverage provider.


Toyota Highlander Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $232 $322 $388 $24 $116 $1,082 $90
Highlander 4WD $262 $392 $388 $24 $116 $1,182 $99
Highlander Sport 4WD $262 $392 $388 $24 $116 $1,182 $99
Highlander SE 2WD $262 $392 $388 $24 $116 $1,182 $99
Highlander Sport 2WD $262 $392 $388 $24 $116 $1,182 $99
Highlander Limited 2WD $292 $462 $388 $24 $116 $1,282 $107
Highlander SE 4WD $292 $462 $388 $24 $116 $1,282 $107
Highlander Limited 4WD $292 $462 $388 $24 $116 $1,282 $107
Highlander Hybrid 4WD $292 $462 $388 $24 $116 $1,282 $107
Highlander Hybrid Limited 4WD $292 $462 $388 $24 $116 $1,282 $107
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can impact insurance rates noticeably.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is where to set your physical damage deductibles. The comparisons below lay out the rate fluctuation when you select higher and lower comp and collision deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.


Toyota Highlander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $328 $486 $382 $22 $114 $1,357 $113
Highlander 4WD $370 $592 $382 $22 $114 $1,505 $125
Highlander Sport 4WD $370 $592 $382 $22 $114 $1,505 $125
Highlander SE 2WD $370 $592 $382 $22 $114 $1,505 $125
Highlander Sport 2WD $370 $592 $382 $22 $114 $1,505 $125
Highlander Limited 2WD $412 $698 $382 $22 $114 $1,653 $138
Highlander SE 4WD $412 $698 $382 $22 $114 $1,653 $138
Highlander Limited 4WD $412 $698 $382 $22 $114 $1,653 $138
Highlander Hybrid 4WD $412 $698 $382 $22 $114 $1,653 $138
Highlander Hybrid Limited 4WD $412 $698 $382 $22 $114 $1,653 $138
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Toyota Highlander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $182 $256 $382 $22 $114 $956 $80
Highlander 4WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Sport 4WD $206 $312 $382 $22 $114 $1,036 $86
Highlander SE 2WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Sport 2WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Limited 2WD $228 $368 $382 $22 $114 $1,114 $93
Highlander SE 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Limited 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Hybrid 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Hybrid Limited 4WD $228 $368 $382 $22 $114 $1,114 $93
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific Lubbock garaging location which can impact premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $41 more each month or $492 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 22 months between claim filings, you would probably save some money if you choose a higher deductible.

Toyota Highlander liability-only versus full coverage

The information below compares Toyota Highlander insurance costs when comparing full coverage to liability only. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no set guideline for eliminating physical damage coverage, but there is a general convention. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Toyota Highlander replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $4,000 after you pay the deductible. If it’s costing you more than $400 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Get Lower-cost Insurance Rates by Understanding These Factors

Lots of factors are considered when you get your auto insurance bill. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as your marital status or your commute time. An important part of buying insurance is that you know the different types of things that play a part in calculating your car insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that may result in big savings.

Shown below are some of the things that factor into your premiums.

Quote. Compare. Save.

You just learned quite a bit of information on how to compare Toyota Highlander insurance prices in Lubbock. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Some auto insurance companies do not offer internet price quotes and many times these regional insurance providers sell through local independent agents. More affordable auto insurance in Lubbock can be sourced from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

As you quote Lubbock auto insurance, you should never skimp on coverage in order to save money. In too many instances, an insured cut full coverage only to find out that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage at the best possible price while still protecting your assets.

Steps to buying lower priced Toyota Highlander insurance in Lubbock

The easiest way to get cheaper car insurance rates in Lubbock is to regularly compare quotes from insurers in Texas. You can shop around by following these guidelines.

A crucial key to this process is to make sure you’re comparing identical limits and deductibles on each quote and to quote with as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and the best price selection.

More detailed auto insurance information can be found at these sites: