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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U.S. average insurance rates for a Toyota Grand Highlander are $1,714 a year including full coverage. Comprehensive costs on average $404 a 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 around $3,722. Teenage drivers pay the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Grand Highlander trim levels.
Price Range from Low to High
For a driver around age 40, Toyota Grand Highlander insurance prices range from the low end price of $438 for a discount liability-only rate to a high of $3,722 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below breaks down average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The best discount rate is $963
- Using higher $1,000 deductibles will save around $1,446 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,714
- Using low $100 deductibles for physical damage coverage bumps up the cost to $2,240
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,722
- The price that insures a 16-year-old driver may cost $6,170 or more
Car insurance prices for a Toyota Grand Highlander are also quite variable based on the trim level of your Grand Highlander, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $2,000 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $6,100 a year. View Rates by Age
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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut prices by as much as $800 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Affordable Toyota Grand Highlander Insurance
Getting lower rates on insurance for a Toyota Grand Highlander requires being a low-risk driver, having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a brief review of the car insurance concepts covered above.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,010 more each year to insure their Grand Highlander
- You may be able to save as much as $210 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $800 each year
- Insureds who require more liability coverage will pay an extra $410 per year to increase from a low limit to the 250/500 level
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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