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 rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive insurance costs an estimated $404, collision costs $780, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing $3,722 or more. Teen drivers pay the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Grand Highlander models.
Price Range from Low to High
For an average driver, Toyota Grand Highlander insurance prices go from as low as $438 for the bare minimum liability coverage to the much higher price of $3,722 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price 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.
Additional Rate Information
The chart below illustrates estimated Toyota Grand Highlander insurance rates for other coverage scenarios.
- The lowest rate with discounts is $963
- Raising to $1,000 deductibles will save approximately $268 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,714
- Choosing pricier low deductibles will cost an extra $526 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,722 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $6,170
Auto insurance prices for a Toyota Grand Highlander are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $6,100 a year. View Rates by Age
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 $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $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% |
Choosing high deductibles can reduce prices by up to $800 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $2,000 to $2,700 in extra premium each year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| 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 Find the Best Cheap Toyota Grand Highlander Insurance
Getting lower rates on insurance for a Toyota Grand Highlander consists of being safe and accident-free, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a quick review of the ideas that were covered in the above illustrations.
- Youthful drivers are the costliest to insure, as much as $514 a month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $2,010 more annually than a low-risk driver
- Increasing physical damage deductibles can save around $800 each year
- It is possible to save approximately $210 per year simply by quoting online well ahead of the renewal date
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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