Toyota Grand Highlander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota Grand Highlander are $1,714 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $404, collision insurance costs $780, and liability coverage is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs $3,722 or more. Teens receive the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Grand Highlander models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $438 for your basic liability-only policy to the much higher price of $3,722 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.
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.
More Rate Information
The chart below illustrates average Toyota Grand Highlander insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $963
- Raising to $1,000 deductibles will save approximately $268 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,714
- Selecting pricier low deductibles costs an extra $526 each year
- Unlucky drivers with serious driving violations could pay up to $3,722
- The cost to insure a teenage driver for full coverage can cost as much as $6,170
Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $800 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $2,000 to $2,700 extra per year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,320 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for the Right Toyota Grand Highlander Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a quick rundown of the coverage data raised in the charts and tables above.
- It is possible to save approximately $210 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $800 each year
- Teenage drivers are charged the highest rates, costing up to $514 per month if they have full coverage
- Drivers with reckless driving or DUI convictions could be forced to pay on average $2,010 more annually for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,240 |
| $250 | $1,994 |
| $500 | $1,714 |
| $1,000 | $1,446 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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