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2020 Toyota Highlander Insurance Rates

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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 ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2020 Toyota Highlander are $1,392 a year for full coverage. Comprehensive costs approximately $332 a year, collision costs $512, and liability insurance costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing around $2,982. Teenage drivers receive the highest rates at $5,092 a year or more.

Annual premium for full coverage: $1,392

Rate estimates for 2020 Toyota Highlander Insurance

Comprehensive $332
Collision $512
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 $452 for just liability coverage to a high of $2,982 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,392
High Risk $2,982

View Chart as Image

2020 Toyota Highlander insurance rates compared
Column chart showing 2020 Toyota Highlander insurance prices range from $810 to $5,092 for full coverage

These differences show why it is important for drivers to compare prices using their specific location and risk profile, rather than relying 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 2020 Toyota Highlander Insurance

Searching Companies

Searching for lower car insurance rates for your Toyota Highlander? Feel like you’re a prisoner to high-priced car insurance? You’re in good company because there are a lot of people just like you who feel imprisoned by their car insurance policy.

You have so many insurance companies to choose from, and although it’s nice to have a choice, having more car insurance companies makes it harder to compare rates and cut insurance costs.

How to find low cost insurance

To find low cost car insurance quotes, there are several ways to compare rate quotes from many available insurance companies in your state. The best method to find the cheapest 2020 Toyota Highlander insurance rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

One of the fastest ways consumers can make multiple comparisons is to use a rate comparison form. This type of form keeps you from doing multiple quote forms for each price estimate. Just one form gets you price quotes instantly.

Another way to find better pricing requires a trip to the website for each individual company to request a price quote. For examples sake, we’ll assume you are doing a rate comparison from GEICO, Safeco and Liberty Mutual. To do that, you would have to go to each individual site and type in your information over and over, which can take a lot of time.

The old school way to compare rates is making phone calls or going to and from local insurance agencies. The ability to buy insurance online eliminates this option unless your situation requires the professional guidance of a local agent. If you prefer, some companies allow you to find lower rates online and have a local agent actually service the policy.

Take whichever approach you prefer, but be sure to compare the exact same coverages and limits for each comparison quote. If your comparisons have different data you will not be able to make a fair comparison for your Toyota Highlander. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when quoting insurance, remember that obtaining a wide range of quotes helps you find a lower rate.

Save with these money-saving discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that you may not even know about. Certain credits will be shown at the time of quoting, but some need to be specifically requested before you will receive the discount.

  • No Claim Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates when compared with bad drivers.
  • College Student – Children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Paperless Signup – Some larger companies provide a small discount for completing your application online.
  • Own a Home – Owning your own home or condo can save a few bucks because maintaining a house requires personal responsibility.
  • Safety Course Discount – Taking time to complete a course teaching defensive driving skills could cut 5% off your bill and easily pay for the cost of the class.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Responsible Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates for Highlander coverage than drivers with accident claims.
  • Telematics Data – Insureds that choose to allow their company to look at when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.

One last thing about discounts, most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, that’s just not realistic.

Larger insurance coverage companies and a selection of discounts include:

  • Farm Bureau policyholders can earn discounts including good student, multi-vehicle, safe driver, multi-policy, 55 and retired, driver training, and renewal discount.
  • MetLife includes discounts for defensive driver, multi-policy, claim-free, good driver, accident-free, and good student.
  • Progressive offers premium reductions for multi-vehicle, good student, online signing, multi-policy, continuous coverage, homeowner, and online quote discount.
  • AAA may have discounts that include good student, multi-policy, anti-theft, pay-in-full, multi-car, good driver, and AAA membership discount.
  • American Family has discounts for defensive driver, TimeAway discount, accident-free, good student, and mySafetyValet.
  • GEICO offers discounts including military active duty, anti-theft, driver training, anti-lock brakes, and daytime running lights.
  • State Farm may offer discounts for multiple autos, defensive driving training, safe vehicle, student away at school, and good student.

When getting free car insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Discounts may not apply in your area. If you would like to view insurance companies who offer cheap insurance coverage quotes, enter your zip code here.

Do I need special coverages?

When choosing coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether you will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is other people’s property covered if stolen from my vehicle?
  • Are my friends covered when driving my 2020 Toyota Highlander?
  • How does medical payments coverage work?
  • How much liability do I need to cover my assets?
  • Am I covered when driving someone else’s vehicle?
  • Should I get collision insurance on every vehicle?
  • When should I not file a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

The coverage is in the details

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Toyota Highlander.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as X-ray expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a deer, fire damage and theft. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – This will cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, court costs and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Highlander from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with a tree, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Cheaper 2020 Toyota Highlander insurance can be sourced both online in addition to many insurance agents, so you need to quote car insurance with both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies work with independent agencies.

We just presented quite a bit of information on how to lower your 2020 Toyota Highlander insurance premium rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

Additional insurance information can be read on the following sites:

Rates by U.S. City

2020 Toyota Highlander Insurance Rates by City
City Premium
New York City, NY $2,199
Los Angeles, CA $2,379
Philadelphia, PA $1,862
Jacksonville, FL $2,021
Phoenix, AZ $1,618
Chicago, IL $1,865
Houston, TX $2,181
Seattle, WA $1,353
Columbus, OH $1,164
Indianapolis, IN $1,184

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2020 Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $5,092
20 $3,166
30 $1,454
40 $1,392
50 $1,270
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

2020 Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,592
$500 $1,392
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,470
100/300 $1,568
250/500 $1,821
100 CSL $1,509
300 CSL $1,724
500 CSL $1,880

Full coverage, driver age 40

Rates for High Risk Drivers

2020 Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $7,260
20 $5,030
30 $3,050
40 $2,982
50 $2,842
60 $2,816

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $67
Online Quote $99
Total Discounts $582
Rate after discounts $810

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

Find companies with the cheapest rates in your area

2020 Toyota Highlander Insurance Rates by State
State Premium
Alabama $1,258
Alaska $1,068
Arizona $1,156
Arkansas $1,392
California $1,586
Colorado $1,330
Connecticut $1,432
Delaware $1,576
Florida $1,742
Georgia $1,286
Hawaii $998
Idaho $942
Illinois $1,036
Indiana $1,048
Iowa $940
Kansas $1,324
Kentucky $1,900
Louisiana $2,060
Maine $860
Maryland $1,148
Massachusetts $1,114
Michigan $2,420
Minnesota $1,164
Mississippi $1,666
Missouri $1,236
Montana $1,496
Nebraska $1,098
Nevada $1,668
New Hampshire $1,002
New Jersey $1,558
New Mexico $1,232
New York $1,466
North Carolina $802
North Dakota $1,140
Ohio $962
Oklahoma $1,430
Oregon $1,274
Pennsylvania $1,330
Rhode Island $1,858
South Carolina $1,262
South Dakota $1,174
Tennessee $1,222
Texas $1,678
Utah $1,030
Vermont $954
Virginia $834
Washington $1,074
West Virginia $1,276
Wisconsin $964
Wyoming $1,242

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