Toyota Highlander Insurance Rates

How much should I pay for a Toyota Highlander insurance plan? And are Toyota Highlanders expensive to insure? The average Toyota Highlander insurance rates are about $1,410 a year, or $117 a month.

Read or complete guide to learn what you can do to secure cheap car insurance rates for your Toyota Highlander.

Always review rates from multiple car insurance companies before you buy Toyota Highlander car insurance.

Can’t wait to start shopping for cheaper rates? Enter your five-digit ZIP code into our FREE quote comparison tool above to start finding the best Toyota Highlander insurance rates.

The average insurance rates for a Toyota Highlander are $1,382 a year including full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $506, and liability costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $2,970 or more. Teenage drivers cost the most to insure at up to $5,098 a year.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Highlander trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Toyota Highlander insurance rates for additional coverage and risk scenarios.

• The best discount rate is $805
• Drivers who choose higher $1,000 deductibles will pay $188 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,382
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $362 annually
• Drivers who are prone to accidents and violations could pay around $2,970
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,098 a year

View Chart as Image

Insurance rates for a Toyota Highlander also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state makes a big difference in Toyota Highlander insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $550 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Toyota Highlander Insurance

Finding cheaper rates on insurance for a Toyota Highlander not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $170 per year just by shopping early and online
• Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,590 more per year to insure their Highlander
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teen drivers are expensive to insure, with premiums being up to $425 each month if full coverage is included

To recap, is Toyota Highlander expensive to insure? The average Toyota Highlander insurance cost is $1,410 a year, or $117 a month. How much should you pay for a 2020 Toyota Highlander? It starts at $34,600.

The cost to own a Toyota Highlander can be reduced by getting Toyota Highlander quotes. This is true whether you are looking for 2017 Toyota Highlander insurance rates or 2003 Toyota Highlander costs.

To find the average cost of your Toyota Highlander, enter your ZIP code in our free tool below. We’ll show you quotes from multiple Toyota Highlander car insurance companies in your area.

What are the safety ratings of the Toyota Highlander?

Safety features and ratings can affect the cost of your insurance. The Toyota Highlander has multiple safety features, such as multiple airbags, brake assist, traction control, lane departure warning, and more. Keep in mind that newer models will have more safety features, so the cost of a 2012 Toyota Highlander will be different than a 2020 model.

The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Toyota Highlander a 2020 Top Safety Pick award for its following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Watch the video below to see how the IIHS crash-tested the Toyota Highlander.

The National Highway Traffic Safety Administration performed various crash tests on different Toyota Highlander models. See the results of the Toyota Highlander crash tests in the table below.

Toyota Highlander Crash Test Ratings

A five-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed well. Newer models have slightly better crash test results than older Toyota Highlanders.

Toyota Highlander Compared Against Other Vehicles in the Same Class

The Toyota Highlander is a midsize SUV. The Insurance Institute for Highway Safety listed the Toyota Highlander’s liability losses as average and better than average among other midsize SUVs, which can mean lower liability rates.

See more details about the Toyota Highlander insurance loss probability in the table below.

Toyota Highlander Insurance Loss Probability

The lower the number, the better the insurance loss ratio. The Highlander has an average or better than average loss ratio in almost every category.

To see how the Toyota Highlander’s insurance rates compare to other midsize SUVs, take a look at the SUVs below.

• Buick Enclave
• Chevrolet Traverse
• Dodge Journey

Ready to jump into finding affordable Toyota Highlander auto insurance quotes? Simply enter your five-digit ZIP code into our FREE online quote tool to start comparing Toyota Highlander rates.

References

1. https://www.iihs.org/ratings/vehicle/toyota/highlander-4-door-suv/2020