Toyota Highlander Insurance Rates
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Michelle Robbins
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UPDATED: Apr 17, 2024
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How much should I pay for a Toyota Highlander insurance plan? And are Toyota Highlanders expensive to insure? The average Toyota Highlander insurance rates are about $1,410 a year, or $117 a month.
Read or complete guide to learn what you can do to secure cheap car insurance rates for your Toyota Highlander.
Always review rates from multiple car insurance companies before you buy Toyota Highlander car insurance.
Can’t wait to start shopping for cheaper rates? Enter your five-digit ZIP code into our FREE quote comparison tool above to start finding the best Toyota Highlander insurance rates.
U.S. average auto insurance rates for a Toyota Highlander are $1,376 annually for full coverage. Comprehensive costs around $308, collision costs $494, and liability insurance costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $2,964. 16-year-old drivers pay the highest rates at $5,116 a year or more.
Average premium for full coverage: $1,376
Price estimates for individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Highlander models.
Price Range from Low to High
For a driver around age 40, Toyota Highlander insurance prices go from as cheap as $474 for just the minimum liability insurance to the much higher price of $2,964 for a policy for a high-risk driver.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on 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 Rate Analysis
The chart below shows estimated Toyota Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $801
- Drivers who choose higher $1,000 deductibles will pay about $182 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,376
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,728
- High risk drivers with multiple tickets or accidents could pay at least $2,964 or more
- The price with full coverage for a teen driver for full coverage can be $5,116 a year
Insurance prices for a Toyota Highlander are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,600 to $2,200 additional each year, depending on your age. Toyota Highlander insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $540 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,960 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,058 | -$318 | -23.1% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,570 | $194 | 14.1% |
| Colorado | $1,316 | -$60 | -4.4% |
| Connecticut | $1,416 | $40 | 2.9% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,724 | $348 | 25.3% |
| Georgia | $1,270 | -$106 | -7.7% |
| Hawaii | $990 | -$386 | -28.1% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,026 | -$350 | -25.4% |
| Indiana | $1,036 | -$340 | -24.7% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,310 | -$66 | -4.8% |
| Kentucky | $1,878 | $502 | 36.5% |
| Louisiana | $2,038 | $662 | 48.1% |
| Maine | $850 | -$526 | -38.2% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,102 | -$274 | -19.9% |
| Michigan | $2,392 | $1,016 | 73.8% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,650 | $274 | 19.9% |
| Missouri | $1,224 | -$152 | -11.0% |
| Montana | $1,482 | $106 | 7.7% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,220 | -$156 | -11.3% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,126 | -$250 | -18.2% |
| Ohio | $952 | -$424 | -30.8% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,262 | -$114 | -8.3% |
| Pennsylvania | $1,314 | -$62 | -4.5% |
| Rhode Island | $1,838 | $462 | 33.6% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,164 | -$212 | -15.4% |
| Tennessee | $1,206 | -$170 | -12.4% |
| Texas | $1,662 | $286 | 20.8% |
| Utah | $1,020 | -$356 | -25.9% |
| Vermont | $942 | -$434 | -31.5% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,066 | -$310 | -22.5% |
| West Virginia | $1,262 | -$114 | -8.3% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,254 | $105 |
| Toyota Highlander 4WD | $1,306 | $109 |
| Toyota Highlander SE 2WD | $1,348 | $112 |
| Toyota Highlander Sport 2WD | $1,348 | $112 |
| Toyota Highlander Sport 4WD | $1,348 | $112 |
| Toyota Highlander Limited 2WD | $1,418 | $118 |
| Toyota Highlander Limited 4WD | $1,418 | $118 |
| Toyota Highlander SE 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid Limited 4WD | $1,500 | $125 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2023 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2022 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2021 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2020 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2019 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2018 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2017 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2016 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2015 Toyota Highlander | $220 | $288 | $474 | $1,140 |
| 2010 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2009 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2008 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2007 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2006 Toyota Highlander | $144 | $152 | $442 | $896 |
Rates are averaged for all Toyota 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 the Cheapest Toyota Highlander Insurance
Getting lower rates on Toyota Highlander insurance not only requires having a decent driving record, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a recap of the coverage data covered above.
- Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $525 each year
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $426 a month if they have full coverage
- High-risk drivers that have major violations or accidents pay an average of $1,590 more every year than a driver with a clean driving record
To recap, is Toyota Highlander expensive to insure? The average Toyota Highlander insurance cost is $1,410 a year, or $117 a month. How much should you pay for a 2020 Toyota Highlander? It starts at $34,600.
The cost to own a Toyota Highlander can be reduced by getting Toyota Highlander quotes. This is true whether you are looking for 2017 Toyota Highlander insurance rates or 2003 Toyota Highlander costs.
To find the average cost of your Toyota Highlander, enter your ZIP code in our free tool below. We’ll show you quotes from multiple Toyota Highlander car insurance companies in your area.
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What are the safety ratings of the Toyota Highlander?
Safety features and ratings can affect the cost of your insurance. The Toyota Highlander has multiple safety features, such as multiple airbags, brake assist, traction control, lane departure warning, and more. Keep in mind that newer models will have more safety features, so the cost of a 2012 Toyota Highlander will be different than a 2020 model.
The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Toyota Highlander a 2020 Top Safety Pick award for its following crash test ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Watch the video below to see how the IIHS crash-tested the Toyota Highlander.
The National Highway Traffic Safety Administration performed various crash tests on different Toyota Highlander models. See the results of the Toyota Highlander crash tests in the table below.
Toyota Highlander Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
A five-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed well. Newer models have slightly better crash test results than older Toyota Highlanders.
Toyota Highlander Compared Against Other Vehicles in the Same Class
The Toyota Highlander is a midsize SUV. The Insurance Institute for Highway Safety listed the Toyota Highlander’s liability losses as average and better than average among other midsize SUVs, which can mean lower liability rates.
See more details about the Toyota Highlander insurance loss probability in the table below.
Toyota Highlander Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -17% |
| Property Damage | -11% |
| Comprehensive | -8% |
| Personal Injury | -11% |
| Medical Payment | -18% |
| Bodily Injury | -17% |
The lower the number, the better the insurance loss ratio. The Highlander has an average or better than average loss ratio in almost every category.
To see how the Toyota Highlander’s insurance rates compare to other midsize SUVs, take a look at the SUVs below.
Ready to jump into finding affordable Toyota Highlander auto insurance quotes? Simply enter your five-digit ZIP code into our FREE online quote tool to start comparing Toyota Highlander rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,116 |
| 20 | $3,148 |
| 30 | $1,434 |
| 40 | $1,376 |
| 50 | $1,256 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,568 |
| $500 | $1,376 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,583 |
| 100/300 | $1,687 |
| 250/500 | $1,958 |
| 100 CSL | $1,625 |
| 300 CSL | $1,854 |
| 500 CSL | $2,020 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,290 |
| 20 | $5,010 |
| 30 | $3,028 |
| 40 | $2,964 |
| 50 | $2,826 |
| 60 | $2,798 |
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 | $73 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $97 |
| Total Discounts | $575 |
Discounts are estimated and may not be available from every company or in every state.
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