Toyota Highlander Limited 2WD Insurance Rates

The average auto insurance rates for a Toyota Highlander Limited 2WD are $1,462 annually for full coverage. Comprehensive insurance costs an estimated $368, collision insurance costs $572, and liability insurance costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs $3,128 or more. Teenage drivers cost the most to insure at up to $5,258 a year.

Annual premium for full coverage: $1,462

Policy rates broken down by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Highlander Trim Level

These price differences show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Toyota Highlander Limited 2WD also range considerably based on the model year, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $630 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Highlander Limited 2WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be varied between companies.

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Chart shows Toyota Highlander Limited 2WD insurance prices for various situations. The lowest price with discounts is $848. Drivers who use higher $1,000 deductibles will pay about $1,248. The average price for a driver around age 40 using $500 deductibles is $1,462. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,872. Drivers with multiple violations and accidents could be charged around $3,128. The price for full coverage for a teenage driver is $5,258.

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