1. Vehicles
  2. Toyota
  3. Highlander
  4. Sport 4WD

Toyota Highlander Sport 4WD Insurance Rates

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U.S. average auto insurance rates for a Toyota Highlander Sport 4WD are $1,384 annually including full coverage. Comprehensive insurance costs around $354 each year, 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 $2,950 or more. Teen drivers pay the highest rates at $4,990 a year or more.

Annual premium for full coverage: $1,384

Price estimates for individual coverage:

Comprehensive $354
Collision $508
Liability $364

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 Sport 4WD insurance prices go from as cheap as $430 for liability-only coverage to a high rate of $2,950 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,384
High Risk $2,950

These price ranges highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using 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.

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Car insurance rates for a Toyota Highlander Sport 4WD are also quite variable based on the actual cash value of your Highlander, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $580 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Highlander Sport 4WD insurance rates. A driver around age 40 might see prices 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.

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

Toyota Highlander Sport 4WD insurance cost comparison chart
Column chart showing Toyota Highlander Sport 4WD insurance prices range from $810 to $4,990 for full coverage

The chart above shows average Toyota Highlander Sport 4WD insurance prices for different situations. The cheapest price with discounts is $810. Drivers who choose higher $1,000 deductibles will pay about $1,188. The average price for a driver age 40 with no violations using $500 deductibles is $1,384. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,760. High risk drivers could be charged at least $2,950. The policy rate for full coverage for a 16-year-old driver can be as high as $4,990.

Toyota Highlander Sport 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,252 -$132 -9.5%
Alaska $1,062 -$322 -23.3%
Arizona $1,150 -$234 -16.9%
Arkansas $1,384 -$0 0.0%
California $1,578 $194 14.0%
Colorado $1,324 -$60 -4.3%
Connecticut $1,424 $40 2.9%
Delaware $1,566 $182 13.2%
Florida $1,732 $348 25.1%
Georgia $1,280 -$104 -7.5%
Hawaii $994 -$390 -28.2%
Idaho $936 -$448 -32.4%
Illinois $1,030 -$354 -25.6%
Indiana $1,044 -$340 -24.6%
Iowa $936 -$448 -32.4%
Kansas $1,316 -$68 -4.9%
Kentucky $1,890 $506 36.6%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,142 -$242 -17.5%
Massachusetts $1,108 -$276 -19.9%
Michigan $2,406 $1,022 73.8%
Minnesota $1,158 -$226 -16.3%
Mississippi $1,658 $274 19.8%
Missouri $1,228 -$156 -11.3%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,660 $276 19.9%
New Hampshire $998 -$386 -27.9%
New Jersey $1,548 $164 11.8%
New Mexico $1,226 -$158 -11.4%
New York $1,460 $76 5.5%
North Carolina $798 -$586 -42.3%
North Dakota $1,134 -$250 -18.1%
Ohio $954 -$430 -31.1%
Oklahoma $1,424 $40 2.9%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,168 -$216 -15.6%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,026 -$358 -25.9%
Vermont $948 -$436 -31.5%
Virginia $828 -$556 -40.2%
Washington $1,070 -$314 -22.7%
West Virginia $1,268 -$116 -8.4%
Wisconsin $960 -$424 -30.6%
Wyoming $1,234 -$150 -10.8%

View Chart as Image

Toyota Highlander Sport 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Highlander Sport 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,990
20 $3,126
30 $1,448
40 $1,384
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Sport 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,588
$500 $1,384
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Sport 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,457
100/300 $1,548
250/500 $1,784
100 CSL $1,493
300 CSL $1,693
500 CSL $1,839

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Sport 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,114
20 $4,956
30 $3,020
40 $2,950
50 $2,810
60 $2,780

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.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $66
Online Quote $98
Total Discounts $574
Rate after discounts $810

Discounts are estimated and may not be available from every company or in every state.

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