Toyota 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...
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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.
Estimated insurance prices for a Toyota Highlander are $1,382 every 12 months including full coverage. Comprehensive costs approximately $320 each year, collision costs $506, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $2,970. Teens pay the most at $5,098 a year or more.
Average premium for full coverage: $1,382
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Highlander models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Highlander go from the cheapest price of $460 for a discount liability-only rate to a high rate of $2,970 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why all drivers should compare rates using their specific location and their own driving history, rather than using averaged prices.
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 breaks down estimated Toyota Highlander insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $805
- Drivers who choose higher $1,000 deductibles will pay $188 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,382
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,744
- High-risk insureds with serious driving violations could pay around $2,970 or more
- An auto insurance policy to insure a teenage driver can cost $5,098 a year
Insurance prices for a Toyota Highlander also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Highlander.
Choosing higher comprehensive and collision insurance deductibles could save up to $550 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,060 | -$322 | -23.3% |
| Arizona | $1,146 | -$236 | -17.1% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,576 | $194 | 14.0% |
| Colorado | $1,320 | -$62 | -4.5% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,566 | $184 | 13.3% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $994 | -$388 | -28.1% |
| Idaho | $936 | -$446 | -32.3% |
| Illinois | $1,032 | -$350 | -25.3% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,888 | $506 | 36.6% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,108 | -$274 | -19.8% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,158 | -$224 | -16.2% |
| Mississippi | $1,658 | $276 | 20.0% |
| Missouri | $1,228 | -$154 | -11.1% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,092 | -$290 | -21.0% |
| Nevada | $1,658 | $276 | 20.0% |
| New Hampshire | $998 | -$384 | -27.8% |
| New Jersey | $1,546 | $164 | 11.9% |
| New Mexico | $1,226 | -$156 | -11.3% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,132 | -$250 | -18.1% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,422 | $40 | 2.9% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$62 | -4.5% |
| Rhode Island | $1,846 | $464 | 33.6% |
| South Carolina | $1,256 | -$126 | -9.1% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,212 | -$170 | -12.3% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Every company calculates prices differently, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,256 | $105 |
| Toyota Highlander 4WD | $1,310 | $109 |
| Toyota Highlander SE 2WD | $1,354 | $113 |
| Toyota Highlander Sport 2WD | $1,354 | $113 |
| Toyota Highlander Sport 4WD | $1,354 | $113 |
| Toyota Highlander Limited 2WD | $1,424 | $119 |
| Toyota Highlander Limited 4WD | $1,424 | $119 |
| Toyota Highlander SE 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid Limited 4WD | $1,508 | $126 |
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 | $332 | $512 | $390 | $1,392 |
| 2023 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2022 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2021 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2020 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2019 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2018 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2017 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2016 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2015 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2010 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2009 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2008 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2007 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2006 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2005 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 Shop for the Right Toyota Highlander Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the concepts that were raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions could be charged and average of $1,590 more per year for car insurance
- Teenagers are expensive to insure, with the cost nearing $425 per month if they have full coverage
- You may be able to save around $170 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $550 each year
- You may be able to save around $170 per year simply by quoting online in advance
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 | $5,098 |
| 20 | $3,160 |
| 30 | $1,444 |
| 40 | $1,382 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,576 |
| $500 | $1,382 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,588 |
| 100/300 | $1,687 |
| 250/500 | $1,946 |
| 100 CSL | $1,627 |
| 300 CSL | $1,846 |
| 500 CSL | $2,006 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,266 |
| 20 | $5,016 |
| 30 | $3,036 |
| 40 | $2,970 |
| 50 | $2,832 |
| 60 | $2,806 |
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 | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $577 |
Discounts are estimated and may not be available from every company or in every state.
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