Toyota Grand Highlander Insurance Rates

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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 costs approximately $404, collision insurance costs $780, and liability coverage is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $3,722. Teens receive the highest rates at up to $6,170 a year.

Average premium for full coverage: $1,714

Rate estimates by individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Grand Highlander trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as low as $438 for just liability insurance to a much higher rate of $3,722 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

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

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, 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 and risk scenarios.

  • The cheapest rate after discounts is $963
  • Choosing higher $1,000 deductibles can save $268 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,714
  • Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $2,240
  • Drivers with serious driving violations could pay around $3,722
  • The cost for full coverage for a teenage driver with full coverage can cost $6,170 each year

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

Car insurance rates for a Toyota Grand Highlander can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $6,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Grand Highlander insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,320 on average in Florida, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $800 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

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 Find Low Cost Toyota Grand Highlander Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

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

  • It is possible to save around $210 per year just by shopping early and online
  • Drivers who have several accidents or serious violations may pay on average $2,010 more per year for Grand Highlander insurance
  • Increasing deductibles can save around $800 each year
  • Teens pay the highest auto insurance rates, costing up to $514 per month if full coverage is included

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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