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: 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.

Average insurance rates for a Toyota Highlander are $1,360 a year for full coverage. Comprehensive costs around $298 each year, collision insurance costs $474, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $2,926. Teens receive the highest rates at up to $5,082 a year.

Average premium for full coverage: $1,360

Rate estimates for individual coverage type:

Comprehensive $298
Collision $474
Liability $430

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Highlander models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as low as $486 for just liability coverage to a high rate of $2,926 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,360
High Risk $2,926

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These examples show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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.

Detailed Rate Analysis

The chart below shows average Toyota Highlander insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $792
  • Using higher $1,000 deductibles will save about $176 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,360
  • Selecting low deductibles for physical damage coverage will increase the cost to $1,698
  • High-risk insureds with serious driving violations could pay at least $2,926
  • The cost for full coverage for a 16-year-old driver can be $5,082 or more

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing Toyota Highlander insurance rates range from $792 to $5,082 for full coverage

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

More mature drivers with no driving violations and high deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Where you live has a huge impact on Toyota Highlander insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,940 on average in Michigan, Louisiana, and New York.

Toyota Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$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%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

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 $1,240 $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.

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

Saving money on insurance for a Toyota Highlander requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The points below are a quick rundown of the data that was touched on in this article.

  • Drivers can save up to $160 per year just by quoting online in advance
  • Insureds who may need increased liability limits will pay approximately $470 each year to increase from a minimum limit to 250/500 limits
  • Drivers under the age of 20 are the costliest to insure, costing as high as $424 per month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,570 more every year to insure a Toyota 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.

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 $5,082
20 $3,110
30 $1,414
40 $1,360
50 $1,242
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,542
$500 $1,360
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
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

Toyota Highlander Insurance 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.

SR-22 Surcharge $186

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
Rate after discounts $792

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

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