Toyota Grand Highlander Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive costs approximately $404, collision costs $780, and liability insurance is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $3,722. 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:

Comprehensive $404
Collision $780
Liability $372

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Grand Highlander trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Grand Highlander insurance prices go from the low end price of $438 for a discount liability-only rate to a much higher rate of $3,722 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location, 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.

Rates by State, City, and Model

The chart below shows estimated Toyota Grand Highlander insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $963
  • Raising to $1,000 deductibles will save $268 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,714
  • Choosing more expensive low deductibles bumps up the cost to $2,240
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,722 or more
  • The price that insures a teen driver with full coverage can cost $6,170

View Chart as Image

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

Auto insurance prices for a Toyota Grand Highlander are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $2,000 to $2,700 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find prices as low as $1,130 a year in states like Iowa, Maine, and Idaho, or as much as $2,450 on average in New York, Louisiana, 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

Choosing high deductibles can reduce prices by up to $800 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite 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 Cheap Toyota Grand Highlander Insurance

Getting lower rates on Toyota Grand Highlander insurance consists of being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Shop around once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief summary of the data that was raised in the charts and tables above.

  • Drivers can save around $210 per year simply by shopping early and online
  • Drivers who purchase more liability coverage will pay about $410 each year to raise from a low limit to the 250/500 level
  • Teen drivers have the highest car insurance prices, with premiums as much as $514 a month if the policy includes full coverage
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $2,010 more per year to insure their Grand Highlander

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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