Toyota Highlander Insurance Rates

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.

The average insurance rates for a Toyota Highlander are $1,382 a year for full coverage. Comprehensive costs on average $320, collision costs $506, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing around $2,970. Teen drivers cost the most to insure at $5,098 a year or more.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Highlander models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above show why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

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 $188 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,382
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,744
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,970 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,098 a year

View Chart as Image

Auto insurance rates for a Toyota Highlander also range considerably based on your risk profile, the trim level of your Highlander, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Toyota Highlander insurance prices. 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.

View Chart as Image

Choosing high deductibles could save up to $550 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Toyota Highlander insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Toyota Highlander Insurance

Finding cheaper rates on insurance for a Toyota Highlander not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a brief recap of the material that was raised in the charts and tables above.

• Insureds who require more liability protection will pay about $440 each year to go from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $425 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations will pay on average $1,590 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $550 each year

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.

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

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

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.

• Buick Enclave
• Chevrolet Traverse
• Dodge Journey

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