Toyota Highlander SE 4WD Insurance Rates

Estimated insurance rates for a Toyota Highlander SE 4WD are $1,462 a year for full coverage. Comprehensive insurance costs around $368, collision insurance costs $572, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $3,128 or more. Teen drivers pay the most at up to $5,258 a year.

Annual premium for full coverage: $1,462

Premium estimates for 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 rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Highlander SE 4WD also have a wide range based on your driving characteristics, the model year of your Highlander, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Highlander SE 4WD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $630 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than average. View High Risk Driver Rates

With such a large range of rates, the only way to know your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be substantially different from one company to the next.

View Chart as Image

Chart shows Toyota Highlander SE 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $848. Drivers who choose higher $1,000 deductibles will pay around $1,248. The average rate for a driver age 40 with no violations using $500 deductibles is $1,462. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,872. High risk drivers could be charged up to $3,128. The price for full coverage for a 16-year-old driver can be as high as $5,258.

View Chart as Image