Toyota Highlander Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 17, 2024
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.
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 $1,376 a year with full coverage. Comprehensive insurance costs an estimated $308, collision costs $494, and liability is estimated at $416. A liability-only policy costs approximately $474 a year, with high-risk insurance costing $2,964 or more. Teen drivers cost the most to insure at $5,116 a year or more.
Average premium for full coverage: $1,376
Policy rates broken down by type of insurance:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Highlander models.
Price Range Variability
For the average driver, Toyota Highlander insurance rates go from as low as $474 for your basic liability-only policy to the much higher price of $2,964 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Toyota Highlander insurance rates for other coverage scenarios.
- The lowest rate with discounts is $801
- Choosing higher $1,000 deductibles can save approximately $182 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,376
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $352 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,964 or more
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,116 each year
Car insurance rates for a Toyota Highlander also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Highlander insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,058 | -$318 | -23.1% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,570 | $194 | 14.1% |
| Colorado | $1,316 | -$60 | -4.4% |
| Connecticut | $1,416 | $40 | 2.9% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,724 | $348 | 25.3% |
| Georgia | $1,270 | -$106 | -7.7% |
| Hawaii | $990 | -$386 | -28.1% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,026 | -$350 | -25.4% |
| Indiana | $1,036 | -$340 | -24.7% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,310 | -$66 | -4.8% |
| Kentucky | $1,878 | $502 | 36.5% |
| Louisiana | $2,038 | $662 | 48.1% |
| Maine | $850 | -$526 | -38.2% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,102 | -$274 | -19.9% |
| Michigan | $2,392 | $1,016 | 73.8% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,650 | $274 | 19.9% |
| Missouri | $1,224 | -$152 | -11.0% |
| Montana | $1,482 | $106 | 7.7% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,220 | -$156 | -11.3% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,126 | -$250 | -18.2% |
| Ohio | $952 | -$424 | -30.8% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,262 | -$114 | -8.3% |
| Pennsylvania | $1,314 | -$62 | -4.5% |
| Rhode Island | $1,838 | $462 | 33.6% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,164 | -$212 | -15.4% |
| Tennessee | $1,206 | -$170 | -12.4% |
| Texas | $1,662 | $286 | 20.8% |
| Utah | $1,020 | -$356 | -25.9% |
| Vermont | $942 | -$434 | -31.5% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,066 | -$310 | -22.5% |
| West Virginia | $1,262 | -$114 | -8.3% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
Choosing high deductibles can save as much as $540 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 extra every year, depending on your age. Toyota Highlander insurance for high-risk drivers ranges as much as 43% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,254 | $105 |
| Toyota Highlander 4WD | $1,306 | $109 |
| Toyota Highlander SE 2WD | $1,348 | $112 |
| Toyota Highlander Sport 2WD | $1,348 | $112 |
| Toyota Highlander Sport 4WD | $1,348 | $112 |
| Toyota Highlander Limited 2WD | $1,418 | $118 |
| Toyota Highlander Limited 4WD | $1,418 | $118 |
| Toyota Highlander SE 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid Limited 4WD | $1,500 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2023 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2022 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2021 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2020 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2019 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2018 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2017 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2016 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2015 Toyota Highlander | $220 | $288 | $474 | $1,140 |
| 2010 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2009 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2008 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2007 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2006 Toyota Highlander | $144 | $152 | $442 | $896 |
Rates are averaged for all Toyota Highlander models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Toyota Highlander Insurance
Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a review of the information touched on above.
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Teen drivers have the highest car insurance rates, as much as $426 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $525 each year
- Higher risk drivers who have several accidents or serious violations may pay on average $1,590 more annually to insure their Highlander
- Policyholders who want more liability coverage will pay about $460 every year to raise limits from a 30/60 limit to 250/500 limits
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -17% |
| Property Damage | -11% |
| Comprehensive | -8% |
| Personal Injury | -11% |
| Medical Payment | -18% |
| Bodily Injury | -17% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,116 |
| 20 | $3,148 |
| 30 | $1,434 |
| 40 | $1,376 |
| 50 | $1,256 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,568 |
| $500 | $1,376 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,583 |
| 100/300 | $1,687 |
| 250/500 | $1,958 |
| 100 CSL | $1,625 |
| 300 CSL | $1,854 |
| 500 CSL | $2,020 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,290 |
| 20 | $5,010 |
| 30 | $3,028 |
| 40 | $2,964 |
| 50 | $2,826 |
| 60 | $2,798 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $97 |
| Total Discounts | $575 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
