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.

Estimated insurance prices for a Toyota Highlander are $1,360 every 12 months with full coverage. Comprehensive insurance costs on average $298, collision insurance costs $474, and liability costs $430. A policy with only liability insurance costs as little as $486 a year, and a high-risk policy costs $2,926 or more. 16-year-old drivers pay the most at up to $5,082 a year.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Highlander models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

The chart below details average Toyota Highlander insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $792
• Drivers who choose higher $1,000 deductibles will pay around $176 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,360
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $338 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,926
• An auto insurance policy to insure a teen driver for full coverage may cost $5,082 a year

View Chart as Image

Car insurance prices for a Toyota Highlander also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Highlander.

Opting for high physical damage deductibles could save up to $520 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Toyota Highlander insurance for high-risk drivers can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Highlander insurance prices. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,840 on average in Florida, Michigan, and New York.

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Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Shop for More Affordable Toyota Highlander Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a summary of the primary concepts that were touched on in this article.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,570 more each year than a driver with a clean driving record
• Increasing policy deductibles could save as much as $525 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $424 per month if the policy includes full coverage

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.

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.

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