Toyota Highlander Sport 2WD Insurance Rates

The average insurance rates for a Toyota Highlander Sport 2WD are $1,384 a year including full coverage. Comprehensive costs on average $354, collision costs $508, and liability coverage costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing around $2,950. Teen drivers cost the most to insure at $4,990 a year or more.

Annual premium for full coverage: $1,384

Policy rates by type of coverage:

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

Price Range for Insurance for this Toyota Highlander Trim Level

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

These price differences highlight why everyone should compare prices based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Highlander Sport 2WD also range considerably based on your risk profile, the replacement cost of your Highlander, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Toyota Highlander Sport 2WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $327 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 are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Toyota Highlander Sport 2WD insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

View Chart as Image

The chart above shows average Toyota Highlander Sport 2WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $810. Drivers who choose higher $1,000 deductibles will pay around $1,188. The average rate for a 40-year-old male driver using $500 deductibles is $1,384. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,760. High risk drivers could be charged around $2,950. The rate for full coverage insurance for a teen driver can be as high as $4,990.

View Chart as Image