Toyota Highlander Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 17, 2024
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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 with full coverage. Comprehensive costs on average $320 a year, collision costs $506, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing around $2,970. Teen drivers cost the most to insure at $5,098 a year or more.
Average premium for full coverage: $1,382
Policy rates by type of insurance:
Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Highlander trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota Highlander insurance rates go from as low as $460 for the bare minimum liability coverage to a high of $2,970 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
The examples above demonstrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on 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.
Additional Rate Information
The chart below details estimated Toyota Highlander insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $805
- Drivers who choose higher $1,000 deductibles will pay around $1,194 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,382
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,744
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,970 or more
- Policy cost for full coverage for a 16-year-old driver may cost $5,098 a year
Auto insurance rates for a Toyota Highlander also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards 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 $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,870 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,250 | -$132 | -9.6% |
Alaska | $1,060 | -$322 | -23.3% |
Arizona | $1,146 | -$236 | -17.1% |
Arkansas | $1,382 | -$0 | 0.0% |
California | $1,576 | $194 | 14.0% |
Colorado | $1,320 | -$62 | -4.5% |
Connecticut | $1,422 | $40 | 2.9% |
Delaware | $1,566 | $184 | 13.3% |
Florida | $1,730 | $348 | 25.2% |
Georgia | $1,276 | -$106 | -7.7% |
Hawaii | $994 | -$388 | -28.1% |
Idaho | $936 | -$446 | -32.3% |
Illinois | $1,032 | -$350 | -25.3% |
Indiana | $1,040 | -$342 | -24.7% |
Iowa | $934 | -$448 | -32.4% |
Kansas | $1,316 | -$66 | -4.8% |
Kentucky | $1,888 | $506 | 36.6% |
Louisiana | $2,046 | $664 | 48.0% |
Maine | $852 | -$530 | -38.4% |
Maryland | $1,140 | -$242 | -17.5% |
Massachusetts | $1,108 | -$274 | -19.8% |
Michigan | $2,402 | $1,020 | 73.8% |
Minnesota | $1,158 | -$224 | -16.2% |
Mississippi | $1,658 | $276 | 20.0% |
Missouri | $1,228 | -$154 | -11.1% |
Montana | $1,486 | $104 | 7.5% |
Nebraska | $1,092 | -$290 | -21.0% |
Nevada | $1,658 | $276 | 20.0% |
New Hampshire | $998 | -$384 | -27.8% |
New Jersey | $1,546 | $164 | 11.9% |
New Mexico | $1,226 | -$156 | -11.3% |
New York | $1,458 | $76 | 5.5% |
North Carolina | $798 | -$584 | -42.3% |
North Dakota | $1,132 | -$250 | -18.1% |
Ohio | $956 | -$426 | -30.8% |
Oklahoma | $1,422 | $40 | 2.9% |
Oregon | $1,266 | -$116 | -8.4% |
Pennsylvania | $1,320 | -$62 | -4.5% |
Rhode Island | $1,846 | $464 | 33.6% |
South Carolina | $1,256 | -$126 | -9.1% |
South Dakota | $1,168 | -$214 | -15.5% |
Tennessee | $1,212 | -$170 | -12.3% |
Texas | $1,666 | $284 | 20.5% |
Utah | $1,024 | -$358 | -25.9% |
Vermont | $946 | -$436 | -31.5% |
Virginia | $828 | -$554 | -40.1% |
Washington | $1,070 | -$312 | -22.6% |
West Virginia | $1,266 | -$116 | -8.4% |
Wisconsin | $956 | -$426 | -30.8% |
Wyoming | $1,232 | -$150 | -10.9% |
Choosing high deductibles could save up to $550 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. 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 at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company uses a different rate calculation, and quoted rates 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 | $1,256 | $105 |
Toyota Highlander 4WD | $1,310 | $109 |
Toyota Highlander SE 2WD | $1,354 | $113 |
Toyota Highlander Sport 2WD | $1,354 | $113 |
Toyota Highlander Sport 4WD | $1,354 | $113 |
Toyota Highlander Limited 2WD | $1,424 | $119 |
Toyota Highlander Limited 4WD | $1,424 | $119 |
Toyota Highlander SE 4WD | $1,424 | $119 |
Toyota Highlander Hybrid 4WD | $1,424 | $119 |
Toyota Highlander Hybrid Limited 4WD | $1,508 | $126 |
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 | $332 | $512 | $390 | $1,392 |
2023 Toyota Highlander | $320 | $506 | $398 | $1,382 |
2022 Toyota Highlander | $308 | $494 | $416 | $1,376 |
2021 Toyota Highlander | $298 | $474 | $430 | $1,360 |
2020 Toyota Highlander | $282 | $458 | $442 | $1,340 |
2019 Toyota Highlander | $270 | $424 | $452 | $1,304 |
2018 Toyota Highlander | $260 | $400 | $456 | $1,274 |
2017 Toyota Highlander | $248 | $358 | $460 | $1,224 |
2016 Toyota Highlander | $232 | $330 | $460 | $1,180 |
2015 Toyota Highlander | $224 | $310 | $464 | $1,156 |
2010 Toyota Highlander | $174 | $202 | $474 | $1,008 |
2009 Toyota Highlander | $168 | $182 | $468 | $976 |
2008 Toyota Highlander | $166 | $178 | $460 | $962 |
2007 Toyota Highlander | $162 | $168 | $452 | $940 |
2006 Toyota Highlander | $148 | $160 | $446 | $912 |
2005 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 Cheaper Toyota Highlander Insurance
Finding cheaper rates on insurance for a Toyota Highlander not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a condensed summary of the data touched on in the above illustrations.
- Insureds who require increased levels of liability coverage will pay about $440 every year to go from a 30/60 limit to 250/500 limits
- You may be able to save as much as $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- Drivers age 20 and younger are charged the highest rates, as much as $425 each month if they have 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.
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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 RatingsVehicle 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 ProbabilityInsurance 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 | $5,098 |
20 | $3,160 |
30 | $1,444 |
40 | $1,382 |
50 | $1,262 |
60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,744 |
$250 | $1,576 |
$500 | $1,382 |
$1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,382 |
50/100 | $1,588 |
100/300 | $1,687 |
250/500 | $1,946 |
100 CSL | $1,627 |
300 CSL | $1,846 |
500 CSL | $2,006 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,266 |
20 | $5,016 |
30 | $3,036 |
40 | $2,970 |
50 | $2,832 |
60 | $2,806 |
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 | $70 |
Homeowner | $20 |
5-yr Accident Free | $99 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $62 |
Advance Quote | $67 |
Online Quote | $98 |
Total Discounts | $577 |
Discounts are estimated and may not be available from every company or in every state.
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