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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U.S. average insurance prices for a Toyota Grand Highlander are $1,714 every 12 months with full coverage. Comprehensive insurance costs around $404, collision costs $780, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,722 or more. Teens pay the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Grand Highlander trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota Grand Highlander insurance prices go from the cheapest price of $438 for liability-only coverage to a much higher rate of $3,722 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Charts and Tables
The chart below details estimated Toyota Grand Highlander insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $963
- Choosing higher $1,000 deductibles can save about $268 annually
- The average price for the average middle-age driver using $500 deductibles is $1,714
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $526 annually
- Higher-risk drivers with serious driving violations could pay at least $3,722 or more
- The price to insure a 16-year-old driver with full coverage can be $6,170 each year
Insurance prices for a Toyota Grand Highlander are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $800 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $2,000 to $2,700 additional each year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota Grand Highlander insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,320 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Each auto insurer calculates prices differently, and prices may be quite different.
| 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 Cheaper Toyota Grand Highlander Insurance
Getting lower rates on insurance for a Toyota Grand Highlander takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the concepts that were illustrated above.
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,010 more every year than a low-risk driver
- Youthful drivers are charged the highest prices, costing up to $514 a month if full coverage is included
- You may be able to save up to $210 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $800 each year
- You may be able to save up to $210 per year simply by shopping early and online
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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