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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The average auto insurance rates for a Toyota Grand Highlander are $1,714 annually with full coverage. Comprehensive insurance costs an estimated $404 each year, collision insurance costs $780, and liability costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $3,722 or more. Teenage drivers cost the most to insure at up to $6,170 a year.
Average premium for full coverage: $1,714
Policy rates broken down by type of insurance:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Grand Highlander models.
Price Range Variability
For the average driver, Toyota Grand Highlander insurance rates range from as cheap as $438 for your basic liability-only policy to a high rate of $3,722 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.
The examples above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using average rates.
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 Information
The chart below details average Toyota Grand Highlander insurance rates for other coverage scenarios.
- The best discount rate is $963
- Using higher $1,000 deductibles will save approximately $268 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,714
- Using low deductibles for physical damage coverage costs an additional $526 every year
- Drivers who are prone to accidents and violations could pay up to $3,722
- Policy cost with full coverage for a teen driver can cost as much as $6,170 or more
Auto insurance rates for a Toyota Grand Highlander also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $2,000 to $2,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $800 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see rates as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,320 on average in New York, Michigan, 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% |
| 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 the Right Toyota Grand Highlander Insurance
Finding cheaper rates on car insurance requires having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick rundown of the coverage data touched on above.
- You may be able to save approximately $210 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $800 each year
- Drivers age 20 and younger are the costliest to insure, as much as $514 each month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,010 more annually to buy Toyota Grand Highlander insurance
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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