Toyota Highlander Insurance Rates
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UPDATED: Jun 6, 2023
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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 auto insurance rates for a Toyota Highlander are $1,376 annually for full coverage insurance. Comprehensive costs around $308, collision insurance costs $494, and liability coverage is estimated at $416. A policy with only liability insurance costs approximately $474 a year, and a high-risk policy costs around $2,964. 16-year-old drivers pay the most at up to $5,116 a year.
Average premium for full coverage: $1,376
Premium estimates for type of coverage:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Highlander models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Highlander range from as cheap as $474 for just liability coverage to the much higher price of $2,964 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below illustrates average Toyota Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $801
- Choosing higher $1,000 deductibles can save about $182 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,376
- Buying pricier low deductibles for comp and collision coverage will cost $1,728
- Drivers with multiple tickets or accidents could pay at least $2,964
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $5,116 each year
Car insurance prices for a Toyota Highlander also have a wide range based on the model of your Highlander, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra annually, depending on your age. Toyota Highlander insurance for high-risk drivers ranges around 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $540 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota Highlander insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,860 on average in Michigan, New York, and Florida.
| 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% |
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 2020 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 |
|---|---|---|---|---|
| 2020 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2017 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2016 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2015 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2010 Toyota Highlander | $198 | $244 | $478 | $1,078 |
| 2009 Toyota Highlander | $184 | $222 | $474 | $1,038 |
| 2008 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2007 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2006 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2005 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2004 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2003 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 Right Toyota Highlander Insurance
Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.
Below is a quick rundown of the ideas that were covered in the above illustrations.
- Teenage drivers are the costliest to insure, with premiums being up to $426 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions pay on average $1,590 more every year for auto insurance
- Increasing policy deductibles could save up to $525 each year
- It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
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.
| 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.
| 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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