Toyota Highlander Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 20, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for a Toyota Highlander are $1,382 a year for full coverage. Comprehensive costs on average $320 a year, collision costs $506, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,970. Teen drivers receive the highest rates at $5,098 a year or more.

Average premium for full coverage: $1,382

Rate estimates by individual coverage type:

Comprehensive $320
Collision $506
Liability $398

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Highlander trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $460 for only liability insurance to a high of $2,970 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Toyota Highlander insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $805
  • Drivers who choose higher $1,000 deductibles will pay around $1,194 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,382
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,744
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,970 or more
  • The cost for full coverage for a teen driver may cost $5,098 a year

View Chart as Image

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

for a Toyota Highlander can also vary considerably based on your driver profile, the trim level of your Highlander, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $550 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 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.

Toyota Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Highlander $320 $506 $398 $1,382
2017 Toyota Highlander $282 $458 $442 $1,340
2016 Toyota Highlander $270 $424 $452 $1,304
2015 Toyota Highlander $260 $400 $456 $1,274
2010 Toyota Highlander $202 $268 $474 $1,102
2009 Toyota Highlander $198 $244 $478 $1,078
2008 Toyota Highlander $184 $222 $474 $1,038
2007 Toyota Highlander $174 $202 $474 $1,008
2006 Toyota Highlander $168 $182 $468 $976
2005 Toyota Highlander $166 $178 $460 $962
2004 Toyota Highlander $162 $168 $452 $940
2003 Toyota Highlander $148 $160 $446 $912
2002 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 Cheaper Toyota Highlander Insurance

Saving money on Toyota Highlander insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $550 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $440 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $425 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,590 more each year for insurance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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
Get Your Rates Quote Now

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%
Get Your Rates Quote Now

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles