1. Vehicles
  2. Toyota
  3. Highlander
  4. 2013 Model Year

2013 Toyota Highlander Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by

UPDATED: Nov 23, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2013 Toyota Highlander are $1,224 a year for full coverage insurance. Comprehensive costs an estimated $248, collision costs $358, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,634. Teenage drivers receive the highest rates at $4,702 a year or more.

Annual premium for full coverage: $1,224

Rate estimates for 2013 Toyota Highlander Insurance

Comprehensive $248
Collision $358
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 $510 for the bare minimum liability coverage to the much higher price of $2,634 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,224
High Risk $2,634

View Chart as Image

2013 Toyota Highlander insurance rates compared
Column chart showing 2013 Toyota Highlander insurance prices range from $724 to $4,702 for full coverage

These differences illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based 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 2013 Toyota Highlander Insurance

Searching Companies

Want the cheapest insurance rates for your Toyota Highlander? Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than the majority of other car owners.

You have so many auto insurance companies to choose from, and although it’s nice to have multiple companies, it makes it harder to find a good deal.

This information will help you learn the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Although drivers should learn the way companies compete online and use this information to your advantage.

How to Compare Insurance Costs

All the larger insurance companies allow you to get coverage prices on the web. This process is fairly straightforward as you simply type in the coverages you want into a form. Upon sending the form, the system requests reports for credit and driving violations and generates a price. Quoting online makes comparing rates easy, but the time required to go to a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to get better insurance pricing.

A more efficient way to get multiple rate quotes is to use a quote form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier to do. After sending the form, it gets priced and you can choose any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and could lower your rates considerably.

If you want to fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. Doing this guarantees you will be getting rate comparison quotes using the same coverage and limits.

Do you qualify for a discount?

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you quote, but some must be inquired about before you will receive the discount.

  • Homeowners Discount – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Highlander insurance than drivers with accident claims.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these money-saving discounts include:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area.

What coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why is insurance for a teen driver so high?
  • Are my friends covered when driving my 2013 Toyota Highlander?
  • When does my teenage driver need to be added to my policy?
  • What companies insure drivers after a DUI or DWI?
  • Do I need rental car coverage?
  • Does my 2013 Toyota Highlander qualify for pleasure use?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Highlander.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird and hail damage. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, surgery, chiropractic care and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Rates by U.S. City

2013 Toyota Highlander Insurance Rates by City
City Premium
New York City, NY $1,938
Los Angeles, CA $2,094
Philadelphia, PA $1,638
Jacksonville, FL $1,779
Phoenix, AZ $1,425
Chicago, IL $1,645
Houston, TX $1,921
Seattle, WA $1,194
Columbus, OH $1,026
Indianapolis, IN $1,042

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $4,702
20 $2,794
30 $1,264
40 $1,224
50 $1,122
60 $1,098

Full coverage, $500 deductibles

Rates by Deductible

2013 Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,368
$500 $1,224
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,224
50/100 $1,316
100/300 $1,431
250/500 $1,730
100 CSL $1,362
300 CSL $1,615
500 CSL $1,799

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $6,668
20 $4,450
30 $2,678
40 $2,634
50 $2,516
60 $2,492

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $500
Rate after discounts $724

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

Find companies with the cheapest rates in your area

2013 Toyota Highlander Insurance Rates by State
State Premium
Alabama $1,108
Alaska $938
Arizona $1,018
Arkansas $1,224
California $1,396
Colorado $1,172
Connecticut $1,260
Delaware $1,388
Florida $1,534
Georgia $1,132
Hawaii $880
Idaho $828
Illinois $914
Indiana $922
Iowa $826
Kansas $1,164
Kentucky $1,674
Louisiana $1,812
Maine $758
Maryland $1,012
Massachusetts $980
Michigan $2,128
Minnesota $1,026
Mississippi $1,468
Missouri $1,086
Montana $1,318
Nebraska $966
Nevada $1,470
New Hampshire $884
New Jersey $1,370
New Mexico $1,086
New York $1,292
North Carolina $706
North Dakota $1,004
Ohio $848
Oklahoma $1,260
Oregon $1,122
Pennsylvania $1,170
Rhode Island $1,636
South Carolina $1,110
South Dakota $1,034
Tennessee $1,074
Texas $1,478
Utah $908
Vermont $840
Virginia $734
Washington $948
West Virginia $1,122
Wisconsin $848
Wyoming $1,094

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles