Toyota Grand Highlander Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive insurance costs around $404 a year, collision costs $780, and liability costs around $372. A liability-only policy costs as low as $438 a year, with high-risk insurance costing $3,722 or more. 16-year-old drivers receive the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Rate estimates for individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Grand Highlander trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $438 for the bare minimum liability coverage to a high of $3,722 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on rate 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 additional coverage choices and driver risks.
- The best full coverage rate is $963
- Using higher $1,000 deductibles will save about $1,446 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,714
- Buying low $100 deductibles for physical damage coverage will cost an extra $526 annually
- High-risk insureds with multiple tickets or accidents could pay at least $3,722 or more
- The cost for full coverage for a 16-year-old driver can be $6,170 or more
Insurance rates for a Toyota Grand Highlander can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $6,100 a year. View Rates by Age
Where you live has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,320 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $800 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly 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 Cheapest Toyota Grand Highlander Insurance
Saving money on insurance for a Toyota Grand Highlander requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following list is a recap of the car insurance concepts touched on in this article.
- Drivers considered higher risk that have major violations or accidents may pay on average $2,010 more every year than a safer driver
- It is possible to save up to $210 per year simply by quoting early and online
- Increasing deductibles can save around $800 each year
- Insureds who may need an increased level of liability coverage will pay around $410 annually to increase from a minimum limit to 250/500 limits
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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