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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Average insurance prices for a Toyota Grand Highlander are $1,714 every 12 months with full coverage. Comprehensive costs around $404 a year, collision costs $780, and liability costs $372. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing around $3,722. 16-year-old drivers receive the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Grand Highlander trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $438 for liability-only coverage to a high of $3,722 for coverage for higher-risk drivers.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of using rate 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 Charts and Tables
The chart below details estimated Toyota Grand Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $963
- Drivers who choose higher $1,000 deductibles will pay about $1,446 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,714
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $2,240
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,722 or more
- The cost to insure a teen driver can be $6,170 a year
Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $800 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,000 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Toyota Grand Highlander insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or at least $2,320 on average in Florida, Michigan, and New York.
| 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 so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different.
| 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 Cheap Toyota Grand Highlander Insurance
Saving money on car insurance not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the primary concepts that were touched on in this article.
- You may be able to save up to $210 per year simply by quoting early and online
- Higher risk drivers that tend to have accidents or serious violations pay on average $2,010 more every year than a driver with a clean driving record
- Increasing deductibles could save as much as $800 each year
- 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $514 per month if full coverage is included
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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