Toyota Grand Highlander Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Toyota Grand Highlander are $1,714 annually for full coverage. Comprehensive costs approximately $404 each year, collision costs $780, and liability is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing around $3,722. 16-year-old drivers pay the highest rates at $6,170 a year or more.

Average premium for full coverage: $1,714

Price estimates by individual coverage:

Comprehensive $404
Collision $780
Liability $372

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Grand Highlander models.

Price Range from Low to High

For the average driver, Toyota Grand Highlander insurance prices go from as cheap as $438 for basic liability insurance to a high rate of $3,722 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,714
High Risk $3,722

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $1,286
Small Cities $1,800
Large Cities $2,314

The ranges above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below shows estimated Toyota Grand Highlander insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $963
  • Raising to $1,000 deductibles will save $268 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,714
  • Buying low deductibles will cost $2,240
  • At-risk drivers with multiple tickets or accidents could pay around $3,722 or more
  • The price with full coverage for a teen driver can cost $6,170

View Chart as Image

Toyota Grand Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Grand Highlander insurance rates range from $963 to $6,170

Insurance prices for a Toyota Grand Highlander are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $800 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Grand Highlander insurance prices. A middle-age driver might find prices as low as $1,130 a year in states like Iowa, Maine, and Idaho, or at least $2,450 on average in New York, Louisiana, and Michigan.

Toyota Grand Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,550 -$164 -9.6%
Alaska $1,316 -$398 -23.2%
Arizona $1,424 -$290 -16.9%
Arkansas $1,714 -$0 0.0%
California $1,954 $240 14.0%
Colorado $1,640 -$74 -4.3%
Connecticut $1,762 $48 2.8%
Delaware $1,942 $228 13.3%
Florida $2,146 $432 25.2%
Georgia $1,584 -$130 -7.6%
Hawaii $1,232 -$482 -28.1%
Idaho $1,162 -$552 -32.2%
Illinois $1,278 -$436 -25.4%
Indiana $1,290 -$424 -24.7%
Iowa $1,158 -$556 -32.4%
Kansas $1,632 -$82 -4.8%
Kentucky $2,340 $626 36.5%
Louisiana $2,540 $826 48.2%
Maine $1,060 -$654 -38.2%
Maryland $1,416 -$298 -17.4%
Massachusetts $1,372 -$342 -20.0%
Michigan $2,980 $1,266 73.9%
Minnesota $1,436 -$278 -16.2%
Mississippi $2,056 $342 20.0%
Missouri $1,522 -$192 -11.2%
Montana $1,844 $130 7.6%
Nebraska $1,354 -$360 -21.0%
Nevada $2,056 $342 20.0%
New Hampshire $1,234 -$480 -28.0%
New Jersey $1,918 $204 11.9%
New Mexico $1,520 -$194 -11.3%
New York $1,808 $94 5.5%
North Carolina $988 -$726 -42.4%
North Dakota $1,404 -$310 -18.1%
Ohio $1,182 -$532 -31.0%
Oklahoma $1,762 $48 2.8%
Oregon $1,572 -$142 -8.3%
Pennsylvania $1,638 -$76 -4.4%
Rhode Island $2,288 $574 33.5%
South Carolina $1,556 -$158 -9.2%
South Dakota $1,446 -$268 -15.6%
Tennessee $1,504 -$210 -12.3%
Texas $2,066 $352 20.5%
Utah $1,270 -$444 -25.9%
Vermont $1,174 -$540 -31.5%
Virginia $1,028 -$686 -40.0%
Washington $1,326 -$388 -22.6%
West Virginia $1,572 -$142 -8.3%
Wisconsin $1,188 -$526 -30.7%
Wyoming $1,530 -$184 -10.7%

View Chart as Image

Toyota Grand Highlander insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the prices may be quite different between companies.

Toyota Grand Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Grand Highlander $370 $744 $398 $1,670

Rates are averaged for all Toyota Grand Highlander models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Toyota Grand Highlander Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the car insurance concepts touched on above.

  • Higher risk drivers with multiple at-fault accidents pay on average $2,010 more per year than a driver with a clean driving record
  • Drivers can save around $210 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $800 each year
  • Policyholders who purchase additional liability coverage will pay around $410 each year to raise from a low limit to higher 250/500 limits

Rates by Driver Age

Toyota Grand Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $6,170
20 $3,972
30 $1,808
40 $1,714
50 $1,564
60 $1,534

Full coverage, $500 deductibles

Rates by Deductible

Toyota Grand Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,240
$250 $1,994
$500 $1,714
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Toyota Grand Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,714
50/100 $1,788
100/300 $1,881
250/500 $2,123
100 CSL $1,826
300 CSL $2,030
500 CSL $2,179

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Grand Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $8,860
20 $6,316
30 $3,824
40 $3,722
50 $3,548
60 $3,518

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 $243

Potential Rate Discounts

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

Discount Savings
Multi-policy $93
Multi-vehicle $88
Homeowner $23
5-yr Accident Free $136
5-yr Claim Free $112
Paid in Full/EFT $86
Advance Quote $89
Online Quote $124
Total Discounts $751
Rate after discounts $963

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

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