Toyota Highlander Hybrid 4WD Insurance Rates
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U.S. average auto insurance rates for a Toyota Highlander Hybrid 4WD are $1,462 annually for full coverage insurance. Comprehensive costs on average $368 a year, collision insurance costs $572, and liability costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $3,128. Teenage drivers pay the highest rates at up to $5,258 a year.
Annual premium for full coverage: $1,462
Price estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Highlander Trim Level
For the normal driver, Toyota Highlander Hybrid 4WD insurance prices range from as cheap as $430 for the bare minimum liability coverage to a high of $3,128 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.
These price ranges illustrate why it is important for drivers to compare rates based on a specific location and their own personal driving habits, instead of using 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 Toyota Highlander Hybrid 4WD Insurance
Insurance prices for a Toyota Highlander Hybrid 4WD are also quite variable based on the actual cash value of your Highlander, your risk profile, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $630 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota Highlander Hybrid 4WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and rates may be quite different between companies.
The chart estimates Toyota Highlander Hybrid 4WD insurance prices for various situations. The best price after discounts is $848. Drivers who use higher $1,000 deductibles will pay about $1,248. The average price for a 40-year-old male driver using $500 deductibles is $1,462. Choosing low $100 deductibles for physical damage coverage can cost as much as $1,872. Drivers with multiple violations and accidents could be charged at least $3,128. The cost for full coverage insurance for a teen driver is $5,258.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Choose a different trim level below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$107|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$68|
Discounts are estimated and may not be available from every company or in every state.
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