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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Grand Highlander are $1,714 annually for full coverage. Comprehensive insurance costs on average $404, collision costs $780, and liability insurance costs $372. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing $3,722 or more. Teen drivers pay the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Grand Highlander models.
Price Range from Low to High
For the average driver, Toyota Grand Highlander insurance prices go from as cheap as $438 for minimum levels of liability insurance to the much higher price of $3,722 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have fewer accident claims than larger metro areas.
The example below illustrates how location impacts car insurance rates.
The ranges above show why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on price 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 Rate Details
The chart below shows estimated Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $963
- Drivers who choose higher $1,000 deductibles will pay around $268 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,714
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $526 a year
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,722 or more
- The price with full coverage for a teen driver for full coverage may cost $6,170 a year
Car insurance prices for a Toyota Grand Highlander are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $800 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury 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
The state you live in makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Idaho, Maine, and Iowa, or as much as $2,450 on average in Michigan, Louisiana, 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% |
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different between companies.
| 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 Buy Affordable Toyota Grand Highlander Insurance
Getting lower rates on Toyota Grand Highlander insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a brief review of the data touched on above.
- Drivers who require increased levels of liability coverage will pay about $410 each year to go from a low limit to higher 250/500 limits
- Drivers can save as much as $210 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $800 each year
- Drivers age 20 and younger are expensive to insure, with premiums as much as $514 a month if comprehensive and collision insurance 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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