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Toyota Highlander Insurance Rates

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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 ...

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UPDATED: Apr 9, 2020

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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 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:

Comprehensive $332
Collision $512
Liability $390

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.

Liability Only $452
Full Coverage $1,392
High Risk $2,982

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.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

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.

Rate Comparisons

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

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing Toyota Highlander insurance rates range from $810 to $5,092 for full coverage

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.

Toyota Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$134 -9.6%
Alaska $1,068 -$324 -23.3%
Arizona $1,156 -$236 -17.0%
Arkansas $1,392 -$0 0.0%
California $1,586 $194 13.9%
Colorado $1,330 -$62 -4.5%
Connecticut $1,432 $40 2.9%
Delaware $1,576 $184 13.2%
Florida $1,742 $350 25.1%
Georgia $1,286 -$106 -7.6%
Hawaii $998 -$394 -28.3%
Idaho $942 -$450 -32.3%
Illinois $1,036 -$356 -25.6%
Indiana $1,048 -$344 -24.7%
Iowa $940 -$452 -32.5%
Kansas $1,324 -$68 -4.9%
Kentucky $1,900 $508 36.5%
Louisiana $2,060 $668 48.0%
Maine $860 -$532 -38.2%
Maryland $1,148 -$244 -17.5%
Massachusetts $1,114 -$278 -20.0%
Michigan $2,420 $1,028 73.9%
Minnesota $1,164 -$228 -16.4%
Mississippi $1,666 $274 19.7%
Missouri $1,236 -$156 -11.2%
Montana $1,496 $104 7.5%
Nebraska $1,098 -$294 -21.1%
Nevada $1,668 $276 19.8%
New Hampshire $1,002 -$390 -28.0%
New Jersey $1,558 $166 11.9%
New Mexico $1,232 -$160 -11.5%
New York $1,466 $74 5.3%
North Carolina $802 -$590 -42.4%
North Dakota $1,140 -$252 -18.1%
Ohio $962 -$430 -30.9%
Oklahoma $1,430 $38 2.7%
Oregon $1,274 -$118 -8.5%
Pennsylvania $1,330 -$62 -4.5%
Rhode Island $1,858 $466 33.5%
South Carolina $1,262 -$130 -9.3%
South Dakota $1,174 -$218 -15.7%
Tennessee $1,222 -$170 -12.2%
Texas $1,678 $286 20.5%
Utah $1,030 -$362 -26.0%
Vermont $954 -$438 -31.5%
Virginia $834 -$558 -40.1%
Washington $1,074 -$318 -22.8%
West Virginia $1,276 -$116 -8.3%
Wisconsin $964 -$428 -30.7%
Wyoming $1,242 -$150 -10.8%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

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 $1,264 $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.

Toyota Highlander Insurance Rates by Model Year
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.

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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
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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%
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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 $5,092
20 $3,166
30 $1,454
40 $1,392
50 $1,270
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,592
$500 $1,392
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,598
100/300 $1,696
250/500 $1,949
100 CSL $1,637
300 CSL $1,852
500 CSL $2,008

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $7,260
20 $5,030
30 $3,050
40 $2,982
50 $2,842
60 $2,816

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 $74
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $67
Online Quote $99
Total Discounts $582
Rate after discounts $810

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

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