Toyota Grand Highlander Insurance Rates

The average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive costs on average $404 each year, collision insurance costs $780, and liability coverage is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $3,722. Teenage drivers cost the most to insure at up to $6,170 a year.

Average premium for full coverage: $1,714

Policy rates by type of insurance:

Includes $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Grand Highlander models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.

• The best discount rate is $963
• Raising to $1,000 deductibles will save around $268 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,714
• Using low deductibles will increase the cost to $2,240
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,722
• Policy cost for full coverage for a teenage driver may cost $6,170

View Chart as Image

Car insurance rates for a Toyota Grand Highlander also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $6,100 a year. View Rates by Age

Your home state also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,320 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $800 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Toyota Grand Highlander Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the material that was illustrated above.

• Consumers who require higher levels of liability will pay an extra $410 annually to raise from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, possibly costing $514 each month if full coverage is included
• Drivers that have major violations or accidents pay an average of $2,010 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $800 each year