Toyota Highlander Hybrid Limited 4WD Insurance Rates
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Average insurance rates for a Toyota Highlander Hybrid Limited 4WD are $1,552 a year including full coverage. Comprehensive costs on average $396 each year, collision insurance costs $634, and liability insurance costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $3,328. Teen drivers receive the highest rates at up to $5,546 a year.
Annual premium for full coverage: $1,552
Rate estimates by individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Highlander Trim Level
Using a 40-year-old driver as an example, prices range from as low as $430 for the bare minimum liability coverage to a high rate of $3,328 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.
These differences highlight why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.
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.
Companies with Cheap Toyota Highlander Hybrid Limited 4WD Insurance
Auto insurance rates for a Toyota Highlander Hybrid Limited 4WD can also vary considerably based on your driver profile, the replacement cost of your Highlander, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age
Where you live makes a big difference in Toyota Highlander Hybrid Limited 4WD insurance rates. A 40-year-old driver could pay 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 save up to $690 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
The chart above shows average Toyota Highlander Hybrid Limited 4WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $891. Drivers who choose higher $1,000 deductibles will pay around $1,320. The average rate for a 40-year-old male driver using $500 deductibles is $1,552. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $2,004. High risk drivers could be charged as much as $3,328. The policy rate for full coverage insurance for a teen driver is $5,546.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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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||$116|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$74|
Discounts are estimated and may not be available from every company or in every state.
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