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...

Insurance Lawyer

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 rates for a Toyota Highlander are $1,382 a year with full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $506, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs around $2,970. 16-year-old drivers pay the most at up to $5,098 a year.

Average premium for full coverage: $1,382

Premium estimates by type of coverage:

Comprehensive $320
Collision $506
Liability $398

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Highlander trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Toyota Highlander range from the low end price of $460 for basic liability insurance to a high of $2,970 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,382
High Risk $2,970

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $1,037
Small Cities $1,451
Large Cities $1,866

These rate differences demonstrate why it is important to get quotes using their specific location, 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.

Rate Comparisons

The chart below details average Toyota Highlander insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $805
  • Choosing higher $1,000 deductibles can save $1,194 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,382
  • Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,744
  • High-risk insureds with multiple tickets or accidents could pay around $2,970
  • An auto insurance policy that insures a teen driver can cost $5,098 each year

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing Toyota Highlander insurance rates range from $805 to $5,098 for full coverage

Insurance prices for a Toyota Highlander also have a wide range based on the trim level of your Highlander, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

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 $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.

Toyota Highlander Insurance Rates by State
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%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $550 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

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 $1,256 $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.

Toyota Highlander Insurance Rates by Model Year
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 Find the Best Toyota Highlander Insurance

Finding better rates on Toyota Highlander insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop at every policy renewal by getting quotes from direct companies, and also from local insurance agencies.

The following is a brief recap of the data covered in the charts and tables above.

  • Drivers who purchase higher liability limits will pay around $440 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save around $170 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $550 each year
  • Teens are the costliest to insure, possibly costing $425 per month if comprehensive and collision insurance 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 $5,098
20 $3,160
30 $1,444
40 $1,382
50 $1,262
60 $1,236

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,744
$250 $1,576
$500 $1,382
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
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

Toyota Highlander Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $805

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

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