Toyota Grand Highlander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Toyota Grand Highlander are $1,714 annually for full coverage. Comprehensive costs an estimated $404, collision costs $780, and liability insurance is estimated at $372. A liability-only policy costs approximately $438 a year, with high-risk insurance costing around $3,722. Teen drivers pay the most at $6,170 a year or more.
Average premium for full coverage: $1,714
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Grand Highlander models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Grand Highlander go from as cheap as $438 for just the minimum liability insurance to the much higher price of $3,722 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.
The example below illustrates how location helps determine insurance prices.
These rate differences show why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying 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 Analysis
The chart below shows estimated Toyota Grand Highlander insurance rates for other coverage scenarios.
- The lowest rate with discounts is $963
- Choosing higher $1,000 deductibles can save approximately $268 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,714
- Choosing pricier low deductibles for comp and collision coverage will cost $2,240
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,722 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $6,170 each year
Auto insurance prices for a Toyota Grand Highlander also have a wide range based on the model of your Grand Highlander, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, 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 violations or you caused a few accidents, you could be paying $2,000 to $2,700 in extra premium annually, depending on your age. Toyota Grand Highlander insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $800 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to 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 $1,130 a year in states like Iowa, Maine, and Idaho, or as much as $2,450 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.
| 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 Cheaper Toyota Grand Highlander Insurance
Finding better rates on Toyota Grand Highlander insurance takes having a decent driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a condensed summary of the concepts that were covered in the charts and tables above.
- High-risk drivers with multiple at-fault accidents may pay on average $2,010 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, as much as $514 per month if full coverage is included
- Drivers can save approximately $210 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $800 each year
- Drivers can save approximately $210 per year simply by quoting online well ahead of the renewal date
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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