What Insurance is Cheapest for a Toyota Highlander in Chicago?

Finding economical auto insurance for a Toyota Highlander doesn’t take a ton of time, but it depends on a lot of different factors such as age of the vehicle, your credit status, and the deductible amount you use. Drivers in Illinois pay around $761 annually to insure their Highlander, but that amount is an approximation based upon a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.

It’s more than likely you are not 30 and maybe not even a female, maybe you are single instead of married, or you just prefer to insure for liability only. Having the smallest difference in rating criteria may result in a big change in the price of coverage.

Every driver’s needs are different, and that is why the best method for finding affordable rates for your Toyota is to just take the time to compare rates yourself.

Compare Toyota Highlander Insurance Rates

The trim level of your vehicle will most likely have an effect on the annual cost of coverage, so the price you pay to insure a Highlander 2WD will be $136 cheaper than the price to insure the more well-appointed Highlander Hybrid Limited 4WD version, as shown in the chart below.

Toyota Highlander Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $160 $220 $266 $16 $80 $742 $62
Highlander 4WD $180 $268 $266 $16 $80 $810 $68
Highlander Sport 4WD $180 $268 $266 $16 $80 $810 $68
Highlander SE 2WD $180 $268 $266 $16 $80 $810 $68
Highlander Sport 2WD $180 $268 $266 $16 $80 $810 $68
Highlander Limited 2WD $200 $316 $266 $16 $80 $878 $73
Highlander SE 4WD $200 $316 $266 $16 $80 $878 $73
Highlander Limited 4WD $200 $316 $266 $16 $80 $878 $73
Highlander Hybrid 4WD $200 $316 $266 $16 $80 $878 $73
Highlander Hybrid Limited 4WD $200 $316 $266 $16 $80 $878 $73
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes greatly.

Determining which companies have the lowest-priced auto insurance rates for a Toyota Highlander may require more time in order to find the lowest price. Each company uses a different method for setting prices, so let’s examine the overall cheapest auto insurance companies in Chicago, IL.

It’s important that readers know that Illinois auto insurance rates are determined by lots of factors which can substantially change the price of your policy. Turning one year older, moving across town, or getting a few speeding tickets may generate price changes resulting in some rates now being cheaper in comparison to the competition.

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Cheapest Illinois car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $753
2 Rockford Mutual $838
3 Titan $878
4 Erie $914
5 Cincinnati Insurance $915
6 USAA $950
7 SECURA $965
8 Utica National $975
9 Travelers $990
10 State Farm $1,002
11 Auto-Owners $1,022
12 Safeco $1,063
13 Amica $1,076
14 GEICO $1,085
15 Farmers $1,146
16 California Casualty $1,173
17 MetLife $1,220
18 Esurance $1,221
19 State Auto $1,236
20 Progressive $1,256
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The Hartford normally has some of the lowest car insurance rates in Chicago at around $753 each year. This is $596 less than the average price paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also some of the more affordable Chicago, IL auto insurance companies.

In the rate table above, if you are a customer of Erie and switched to The Hartford, you may see a yearly savings of around $161. Customers with Cincinnati Insurance may save as much as $162 a year, and USAA customers might lower prices by up to $197 a year.

Understand that those policy rates are averaged for all drivers and vehicles and do not take into consideration a specific location for a Toyota Highlander. So the insurer that fits your situation best may not even be in the top 36 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own personal information and vehicle type.

Get discount Chicago auto insurance

Save on auto insurance for a Highlander in ChicagoInsurance companies that sell policies for a Toyota Highlander may also provide special discounts that could reduce prices by 25% or more if you meet eligibility requirements. A few of the larger companies and their offered discounts are shown below.

The information below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The information is based on a male driver, no accidents, no driving violations, Illinois state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, anti-theft, claim-free, vehicle safety, accident-free, and safe-driver discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Toyota Highlander is 27% or $498.

Accidents and violations increase rates

The easiest way to get the cheapest auto insurance rates in Illinois for a Highlander is to drive attentively and avoid tickets and accidents. The example below illustrates how traffic citations and at-fault collisions can affect yearly insurance costs for different age groups. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in Chicago per year with no accidents and a clean driving record is $1,321. Add in one speeding ticket and the average cost jumps to $1,492, an increase of $171 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Highlander jumps again to an average of $3,064. That’s an increase of $1,743, or $145 per month, just for being a little careless behind the wheel!

The agencies below can help you make a decision which policy fits your needs best, as lots of drivers aren’t clear which coverage they need and would like to have some professional guidance when shopping for the best coverage for a Highlander. It’s not always simple to find the best policy on your own, so a professional agent can give you peace of mind knowing you have suitable coverage if you have an accident.

To locate a Chicago car insurance agency nearest to you, click the link at the bottom or click here to compare prices now.

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How to find the cheapest car insurance for a Toyota Highlander

Here are some of the better penny-pinching suggestions that can help you quote more affordable auto insurance.

The last item on the list is particularly critical, as was noted in the prior information. Insurance rates in Chicago can change considerably in a year, so don’t be hesitant to buy from a new company if you can save money. Staying with the same car insurance company is fine, but it’s not recommended if that stubbornness costs you several hundred dollars every year. Take a few minutes and shop around to find cheaper insurance for a Toyota Highlander.