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 insurance prices for a Toyota Highlander are $1,376 every 12 months for full coverage insurance. Comprehensive insurance costs on average $308, collision insurance costs $494, and liability is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs $2,964 or more. Teenage drivers pay the most at up to $5,116 a year.
Average premium for full coverage: $1,376
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Highlander models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Highlander range from the cheapest price of $474 for just liability insurance to the much higher price of $2,964 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of using average rates.
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 different risk profiles and scenarios.
- The best discount rate is $801
- Raising to $1,000 deductibles will save around $182 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,376
- Using pricier low deductibles costs an extra $352 every year
- At-risk drivers who are prone to accidents and violations could pay upwards of $2,964
- An auto insurance policy to insure a teen driver for full coverage may cost $5,116
Auto insurance prices for a Toyota Highlander also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Highlander.
Using high physical damage deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Toyota Highlander insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota Highlander insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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 Shop for Affordable Toyota Highlander Insurance
Finding better rates on car insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The items below are a brief review of the coverage data presented in the illustrations above.
- It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $525 each year
- Teen drivers are charged the highest prices, with premiums being up to $426 per month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,590 more each year to insure their Highlander
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.
|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|
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$98|
|5-yr Claim Free||$88|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.
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