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 prices for a Toyota Grand Highlander are $1,714 every 12 months including full coverage. Comprehensive costs approximately $404 each year, collision insurance costs $780, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs around $3,722. Teens pay the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Grand Highlander models.
Price Range from Low to High
For the average driver, Toyota Grand Highlander insurance prices range from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $3,722 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.
The ranges above highlight why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below breaks down 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 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,714
- Selecting low deductibles for comp and collision coverage increases the price to $2,240
- Higher-risk drivers with serious driving violations could pay around $3,722
- The price to insure a 16-year-old driver can cost $6,170 each year
Car insurance prices for a Toyota Grand Highlander are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Grand Highlander.
Choosing higher comprehensive and collision insurance deductibles can save as much as $800 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability 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
More mature drivers with no driving violations and higher deductibles may pay as low as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota Grand Highlander insurance prices. A good driver about age 40 could pay as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,450 on average in Louisiana, New York, 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% |
| 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 Shop for the Best Cheap Toyota Grand Highlander Insurance
Getting lower rates on insurance for a Toyota Grand Highlander takes being safe and accident-free, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a quick review of the information touched on above.
- You may be able to save around $210 per year just by quoting online in advance
- Youthful drivers pay the highest auto insurance prices, possibly costing $514 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $800 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $2,010 more per year than a low-risk driver
- Insureds who purchase more liability protection will pay approximately $410 per year to raise limits from a low limit to a 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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