Toyota Grand Highlander Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive insurance costs an estimated $404 each year, collision costs $780, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $3,722 or more. Teenage drivers receive the highest rates at $6,170 a year or more.

Average premium for full coverage: $1,714

Rate estimates broken down by individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Grand Highlander models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $438 for just the minimum liability insurance to a high rate of $3,722 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,714
High Risk $3,722

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,286
Small Cities $1,800
Large Cities $2,314

These examples illustrate why all drivers should compare rates for a targeted area, rather than using 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.

Additional Rate Analysis

The chart below illustrates estimated Toyota Grand Highlander insurance rates for other coverage scenarios.

  • The best discount rate is $963
  • Drivers who choose higher $1,000 deductibles will pay approximately $268 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,714
  • Using low deductibles for comprehensive and collision insurance will cost an additional $526 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $3,722 or more
  • The cost that insures a teenage driver can cost as much as $6,170 a year

View Chart as Image

Toyota Grand Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Grand Highlander insurance prices range from $963 to $6,170

Insurance rates for a Toyota Grand Highlander can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age

Where you live makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,320 on average in Florida, New York, and Michigan.

Toyota Grand Highlander Insurance Rates by State
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%

View Chart as Image

Toyota Grand Highlander insurance rates by U.S. city

Using high physical damage deductibles could save up to $800 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates can be significantly different.

Toyota Grand Highlander Insurance Rates by Model Year
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 the Best Cheap Toyota Grand Highlander Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick review of the primary concepts that were covered above.

  • It is possible to save approximately $210 per year simply by quoting online in advance
  • Drivers with a DUI or reckless driving violation may have to pay on average $2,010 more annually than a driver with a clean driving record
  • Increasing deductibles can save approximately $800 each year
  • 16 to 18-year-old drivers are charged the highest rates, costing up to $514 per month if full coverage is included

Rates by Driver Age

Toyota Grand Highlander Insurance 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

Toyota Grand Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,240
$250 $1,994
$500 $1,714
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Toyota Grand Highlander Insurance Rates with Different Liability Limits
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

Toyota Grand Highlander Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $963

Discounts are estimated and may not be available from every company or in every state.

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