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 including full coverage. Comprehensive costs an estimated $404 a year, collision insurance costs $780, and liability costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $3,722. Teen drivers pay the highest rates at up to $6,170 a year.

Average premium for full coverage: $1,714

Price estimates broken down by individual coverage:

Comprehensive $404
Collision $780
Liability $372

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Grand Highlander trim levels.

Price Range from Low to High

For an average driver, Toyota Grand Highlander insurance prices range from as cheap as $438 for the bare minimum liability coverage to a high of $3,722 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

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

The ranges above highlight why it is important to compare prices for a targeted area and their own personal driving habits, 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 breaks down average Toyota Grand Highlander insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $963
  • Using higher $1,000 deductibles will save approximately $1,446 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,714
  • Choosing low $100 deductibles for physical damage coverage will cost $2,240
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,722
  • The price with full coverage for a 16-year-old driver can cost as much as $6,170 or more

View Chart as Image

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

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $2,000 to $2,700 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $800 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see prices as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,450 on average in Louisiana, New York, 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
Toyota Grand Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Grand Highlander $384 $750 $390 $1,682

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 Low Cost Toyota Grand Highlander Insurance

Getting lower rates on insurance for a Toyota Grand Highlander requires having a decent driving record, having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a review of the primary concepts that were covered in the above illustrations.

  • You may be able to save approximately $210 per year just by quoting early and online
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $2,010 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles could save up to $800 each year
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $514 a month if they have full coverage

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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