Toyota Highlander Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 9, 2020
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.
U.S. average auto insurance rates for a Toyota Highlander are $1,392 annually including full coverage. Comprehensive costs approximately $332 each year, collision insurance costs $512, and liability costs around $390. Buying just liability costs as low as $452 a year, and insurance for high-risk drivers costs around $2,982. Teens pay the highest rates at up to $5,092 a year.
Average premium for full coverage: $1,392
Price estimates by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Highlander models.
Price Range from Low to High
For a 40-year-old driver, Toyota Highlander insurance prices range from as cheap as $452 for basic liability insurance to a high rate of $2,982 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, 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.
The chart below breaks down average Toyota Highlander insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $810
- Using higher $1,000 deductibles will save $194 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,392
- Selecting low deductibles for physical damage coverage will cost $1,760
- High-risk insureds with serious driving violations could pay around $2,982
- The price with full coverage for a 16-year-old driver can cost $5,092 or more
Insurance prices for a Toyota Highlander are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they 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 caused a few accidents, 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 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
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 $1,070 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,990 on average in Louisiana, New York, and Michigan.
|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||$1,264||$105|
|Toyota Highlander 4WD||$1,320||$110|
|Toyota Highlander SE 2WD||$1,362||$114|
|Toyota Highlander Sport 2WD||$1,362||$114|
|Toyota Highlander Sport 4WD||$1,362||$114|
|Toyota Highlander Limited 2WD||$1,436||$120|
|Toyota Highlander Limited 4WD||$1,436||$120|
|Toyota Highlander SE 4WD||$1,436||$120|
|Toyota Highlander Hybrid 4WD||$1,436||$120|
|Toyota Highlander Hybrid Limited 4WD||$1,520||$127|
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||$332||$512||$390||$1,392|
|2019 Toyota Highlander||$320||$506||$398||$1,382|
|2018 Toyota Highlander||$308||$494||$416||$1,376|
|2017 Toyota Highlander||$298||$474||$430||$1,360|
|2016 Toyota Highlander||$282||$458||$442||$1,340|
|2015 Toyota Highlander||$270||$424||$452||$1,304|
|2014 Toyota Highlander||$260||$400||$456||$1,274|
|2013 Toyota Highlander||$248||$358||$460||$1,224|
|2012 Toyota Highlander||$232||$330||$460||$1,180|
|2011 Toyota Highlander||$224||$310||$464||$1,156|
|2010 Toyota Highlander||$220||$288||$474||$1,140|
|2009 Toyota Highlander||$202||$268||$474||$1,102|
|2008 Toyota Highlander||$198||$244||$478||$1,078|
|2007 Toyota Highlander||$184||$222||$474||$1,038|
|2006 Toyota Highlander||$174||$202||$474||$1,008|
|2005 Toyota Highlander||$168||$182||$468||$976|
|2004 Toyota Highlander||$166||$178||$460||$962|
|2003 Toyota Highlander||$162||$168||$452||$940|
|2002 Toyota Highlander||$148||$160||$446||$912|
|2001 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 Buy More Affordable Toyota Highlander Insurance
Getting lower rates on insurance for a Toyota Highlander requires being a low-risk driver, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a summary of the material that was illustrated above.
- Insureds who purchase more liability coverage will pay approximately $430 per year to increase from a low limit to higher 250/500 limits
- Teen drivers are the costliest to insure, possibly costing $424 a month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,590 more per year to insure their Highlander
- Increasing physical damage deductibles could save up to $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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
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.
|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|
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.
|Insurance Coverage Category||Loss Rate|
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.
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||$100|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.