Toyota Highlander Insurance Rates
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UPDATED: Jun 4, 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.
U.S. average insurance prices for a Toyota Highlander are $1,360 every 12 months including full coverage. Comprehensive costs approximately $298 each year, collision insurance costs $474, and liability costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs around $2,926. Teen drivers pay the highest rates at up to $5,082 a year.
Average premium for full coverage: $1,360
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Highlander models.
Price Range from Low to High
For the average driver, Toyota Highlander insurance prices range from the cheapest price of $486 for just liability insurance to a high rate of $2,926 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below breaks down average Toyota Highlander insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $792
- Using higher $1,000 deductibles will save $176 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,360
- Choosing low deductibles for physical damage coverage increases the price to $1,698
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,926
- The price to insure a 16-year-old driver can cost $5,082 or more
Insurance prices for a Toyota Highlander are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Highlander.
Choosing high deductibles could cut prices by as much as $520 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Toyota Highlander insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,940 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,228 | -$132 | -9.7% |
Alaska | $1,044 | -$316 | -23.2% |
Arizona | $1,128 | -$232 | -17.1% |
Arkansas | $1,360 | -$0 | 0.0% |
California | $1,550 | $190 | 14.0% |
Colorado | $1,298 | -$62 | -4.6% |
Connecticut | $1,398 | $38 | 2.8% |
Delaware | $1,538 | $178 | 13.1% |
Florida | $1,700 | $340 | 25.0% |
Georgia | $1,254 | -$106 | -7.8% |
Hawaii | $976 | -$384 | -28.2% |
Idaho | $920 | -$440 | -32.4% |
Illinois | $1,014 | -$346 | -25.4% |
Indiana | $1,024 | -$336 | -24.7% |
Iowa | $916 | -$444 | -32.6% |
Kansas | $1,292 | -$68 | -5.0% |
Kentucky | $1,854 | $494 | 36.3% |
Louisiana | $2,012 | $652 | 47.9% |
Maine | $838 | -$522 | -38.4% |
Maryland | $1,122 | -$238 | -17.5% |
Massachusetts | $1,088 | -$272 | -20.0% |
Michigan | $2,362 | $1,002 | 73.7% |
Minnesota | $1,138 | -$222 | -16.3% |
Mississippi | $1,628 | $268 | 19.7% |
Missouri | $1,206 | -$154 | -11.3% |
Montana | $1,462 | $102 | 7.5% |
Nebraska | $1,072 | -$288 | -21.2% |
Nevada | $1,628 | $268 | 19.7% |
New Hampshire | $980 | -$380 | -27.9% |
New Jersey | $1,520 | $160 | 11.8% |
New Mexico | $1,204 | -$156 | -11.5% |
New York | $1,432 | $72 | 5.3% |
North Carolina | $784 | -$576 | -42.4% |
North Dakota | $1,114 | -$246 | -18.1% |
Ohio | $940 | -$420 | -30.9% |
Oklahoma | $1,396 | $36 | 2.6% |
Oregon | $1,244 | -$116 | -8.5% |
Pennsylvania | $1,298 | -$62 | -4.6% |
Rhode Island | $1,812 | $452 | 33.2% |
South Carolina | $1,232 | -$128 | -9.4% |
South Dakota | $1,148 | -$212 | -15.6% |
Tennessee | $1,190 | -$170 | -12.5% |
Texas | $1,638 | $278 | 20.4% |
Utah | $1,006 | -$354 | -26.0% |
Vermont | $932 | -$428 | -31.5% |
Virginia | $814 | -$546 | -40.1% |
Washington | $1,052 | -$308 | -22.6% |
West Virginia | $1,244 | -$116 | -8.5% |
Wisconsin | $942 | -$418 | -30.7% |
Wyoming | $1,210 | -$150 | -11.0% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Highlander 2WD | $1,240 | $103 |
Toyota Highlander 4WD | $1,292 | $108 |
Toyota Highlander SE 2WD | $1,332 | $111 |
Toyota Highlander Sport 2WD | $1,332 | $111 |
Toyota Highlander Sport 4WD | $1,332 | $111 |
Toyota Highlander Limited 2WD | $1,400 | $117 |
Toyota Highlander Limited 4WD | $1,400 | $117 |
Toyota Highlander SE 4WD | $1,400 | $117 |
Toyota Highlander Hybrid 4WD | $1,400 | $117 |
Toyota Highlander Hybrid Limited 4WD | $1,478 | $123 |
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 | $298 | $474 | $430 | $1,360 |
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 Shop for Affordable Toyota Highlander Insurance
Getting lower rates on insurance for a Toyota Highlander requires having a good driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a brief review of the data touched on above.
- Insureds who purchase increased levels of liability coverage will pay about $470 per year to increase from a low limit to a 250/500 level
- You may be able to save around $160 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $424 a 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.
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 | $5,082 |
20 | $3,110 |
30 | $1,414 |
40 | $1,360 |
50 | $1,242 |
60 | $1,216 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,698 |
$250 | $1,542 |
$500 | $1,360 |
$1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,360 |
50/100 | $1,564 |
100/300 | $1,672 |
250/500 | $1,951 |
100 CSL | $1,607 |
300 CSL | $1,844 |
500 CSL | $2,016 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,236 |
20 | $4,948 |
30 | $2,984 |
40 | $2,926 |
50 | $2,792 |
60 | $2,766 |
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 | $72 |
Multi-vehicle | $71 |
Homeowner | $21 |
5-yr Accident Free | $96 |
5-yr Claim Free | $87 |
Paid in Full/EFT | $60 |
Advance Quote | $65 |
Online Quote | $96 |
Total Discounts | $568 |
Discounts are estimated and may not be available from every company or in every state.
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