Toyota Grand Highlander Insurance Rates

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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 around $404 a year, 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 for individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Grand Highlander trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $438 for just liability insurance to a high of $3,722 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

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

These examples illustrate why it is important to compare rates quotes for a specific zip code 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 Details

The chart below illustrates average Toyota Grand Highlander insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $963
  • Raising to $1,000 deductibles will save about $1,446 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,714
  • Selecting low $100 deductibles costs an extra $526 each year
  • Unlucky drivers with serious driving violations could pay at least $3,722
  • The cost to insure a teenage driver can be $6,170

View Chart as Image

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

Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $800 a year, while buying higher liability limits will increase rates. 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

Older drivers 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 as much as $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 at least $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $2,320 on average in Michigan, New York, and Florida.

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
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 Shop for the Right Toyota Grand Highlander Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the material that was covered in the charts and tables above.

  • Consumers who may need higher liability limits will pay approximately $410 annually to raise from a minimum limit to a 250/500 level
  • Teenagers pay higher rates, costing up to $514 per month if they have full coverage
  • Drivers with reckless driving or DUI convictions may pay on average $2,010 more every year for car insurance
  • Increasing deductibles could save as much as $800 each year

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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