Toyota Highlander Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

The average insurance rates for a Toyota Highlander are $1,392 a year for full coverage insurance. Comprehensive insurance costs around $332, collision insurance costs $512, and liability insurance is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs $2,982 or more. 16-year-old drivers cost the most to insure at up to $5,092 a year.

Average premium for full coverage: $1,392

Policy rates for type of insurance:

Comprehensive $332
Collision $512
Liability $390

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Highlander trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota Highlander insurance rates range from as low as $452 for just liability insurance to a much higher rate of $2,982 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,392
High Risk $2,982

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, 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.

More Rate Details

The chart below illustrates average Toyota Highlander insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $810
  • Choosing higher $1,000 deductibles can save about $194 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,392
  • Buying more expensive low deductibles for comp and collision coverage will cost an extra $368 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,982
  • Policy cost for full coverage for a teen driver with full coverage can be $5,092 each year

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing Toyota Highlander insurance prices range from $810 to $5,092 for full coverage

Car insurance rates for a Toyota Highlander also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Highlander insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,880 on average in Michigan, New York, and Florida.

Toyota Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$134 -9.6%
Alaska $1,068 -$324 -23.3%
Arizona $1,156 -$236 -17.0%
Arkansas $1,392 -$0 0.0%
California $1,586 $194 13.9%
Colorado $1,330 -$62 -4.5%
Connecticut $1,432 $40 2.9%
Delaware $1,576 $184 13.2%
Florida $1,742 $350 25.1%
Georgia $1,286 -$106 -7.6%
Hawaii $998 -$394 -28.3%
Idaho $942 -$450 -32.3%
Illinois $1,036 -$356 -25.6%
Indiana $1,048 -$344 -24.7%
Iowa $940 -$452 -32.5%
Kansas $1,324 -$68 -4.9%
Kentucky $1,900 $508 36.5%
Louisiana $2,060 $668 48.0%
Maine $860 -$532 -38.2%
Maryland $1,148 -$244 -17.5%
Massachusetts $1,114 -$278 -20.0%
Michigan $2,420 $1,028 73.9%
Minnesota $1,164 -$228 -16.4%
Mississippi $1,666 $274 19.7%
Missouri $1,236 -$156 -11.2%
Montana $1,496 $104 7.5%
Nebraska $1,098 -$294 -21.1%
Nevada $1,668 $276 19.8%
New Hampshire $1,002 -$390 -28.0%
New Jersey $1,558 $166 11.9%
New Mexico $1,232 -$160 -11.5%
New York $1,466 $74 5.3%
North Carolina $802 -$590 -42.4%
North Dakota $1,140 -$252 -18.1%
Ohio $962 -$430 -30.9%
Oklahoma $1,430 $38 2.7%
Oregon $1,274 -$118 -8.5%
Pennsylvania $1,330 -$62 -4.5%
Rhode Island $1,858 $466 33.5%
South Carolina $1,262 -$130 -9.3%
South Dakota $1,174 -$218 -15.7%
Tennessee $1,222 -$170 -12.2%
Texas $1,678 $286 20.5%
Utah $1,030 -$362 -26.0%
Vermont $954 -$438 -31.5%
Virginia $834 -$558 -40.1%
Washington $1,074 -$318 -22.8%
West Virginia $1,276 -$116 -8.3%
Wisconsin $964 -$428 -30.7%
Wyoming $1,242 -$150 -10.8%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Toyota Highlander Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Highlander 2WD $1,264 $105
Toyota Highlander 4WD $1,320 $110
Toyota Highlander SE 2WD $1,362 $114
Toyota Highlander Sport 2WD $1,362 $114
Toyota Highlander Sport 4WD $1,362 $114
Toyota Highlander Limited 2WD $1,436 $120
Toyota Highlander Limited 4WD $1,436 $120
Toyota Highlander SE 4WD $1,436 $120
Toyota Highlander Hybrid 4WD $1,436 $120
Toyota Highlander Hybrid Limited 4WD $1,520 $127

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.

Toyota Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Highlander $348 $532 $372 $1,410
2023 Toyota Highlander $332 $512 $390 $1,392
2022 Toyota Highlander $320 $506 $398 $1,382
2021 Toyota Highlander $308 $494 $416 $1,376
2020 Toyota Highlander $298 $474 $430 $1,360
2019 Toyota Highlander $282 $458 $442 $1,340
2018 Toyota Highlander $270 $424 $452 $1,304
2017 Toyota Highlander $260 $400 $456 $1,274
2016 Toyota Highlander $248 $358 $460 $1,224
2015 Toyota Highlander $232 $330 $460 $1,180
2010 Toyota Highlander $184 $222 $474 $1,038
2009 Toyota Highlander $174 $202 $474 $1,008
2008 Toyota Highlander $168 $182 $468 $976
2007 Toyota Highlander $166 $178 $460 $962
2006 Toyota Highlander $162 $168 $452 $940
2005 Toyota Highlander $148 $160 $446 $912
2004 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 Find Low Cost Toyota Highlander Insurance

Finding cheaper rates on Toyota Highlander insurance takes being a good driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the data raised in the charts and tables above.

  • Drivers who may need an increased level of liability coverage will pay around $430 annually to raise limits from a 30/60 limit to 250/500 limits
  • It is possible to save up to $170 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $424 each month if full coverage is included

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 TestedOverallFrontalSideRollover
2021 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander Hybrid SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander Hybrid SUV FWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2013 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2013 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander HV SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander HV SUV AWD4 stars4 stars5 stars4 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 CategoryLoss 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

  1. https://www.iihs.org/ratings/vehicle/toyota/highlander-4-door-suv/2020

Rates by Driver Age

Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $5,092
20 $3,166
30 $1,454
40 $1,392
50 $1,270
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,592
$500 $1,392
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,598
100/300 $1,696
250/500 $1,949
100 CSL $1,637
300 CSL $1,852
500 CSL $2,008

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $7,260
20 $5,030
30 $3,050
40 $2,982
50 $2,842
60 $2,816

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 $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $67
Online Quote $99
Total Discounts $582
Rate after discounts $810

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

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