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Toyota Highlander Insurance Rates

Toyota Highlander insurance

U.S. average auto insurance rates for a Toyota Highlander are $1,342 annually including full coverage. Comprehensive costs approximately $332 each year, collision insurance costs $504, and liability costs around $354. Buying just liability costs as low as $416 a year, and insurance for high-risk drivers costs around $2,868. Teens pay the highest rates at up to $4,858 a year.

Average premium for full coverage: $1,342

Price estimates by individual coverage:

Comprehensive $332
Collision $504
Liability $354

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 $416 for basic liability insurance to a high rate of $2,868 for high-risk insurance.

Liability Only $416
Full Coverage $1,342
High Risk $2,868

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 $1,007
Small Cities $1,409
Large Cities $1,812

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.

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Rate Comparisons

The chart below breaks down average Toyota Highlander insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $782
  • Using higher $1,000 deductibles will save $190 every year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,342
  • Selecting low deductibles for physical damage coverage will cost $1,708
  • High-risk insureds with serious driving violations could pay around $2,868
  • The price with full coverage for a 16-year-old driver can cost $4,858 or more

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing Toyota Highlander insurance rates range from $782 to $4,858 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 $1,200 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 $4,800 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 $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 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 $318 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 $2,130 on average in Louisiana, New York, and Michigan.

Toyota Highlander Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,288-$54-4.0%
Alaska$1,100-$242-18.0%
Arizona$1,344$20.1%
Arkansas$1,358$161.2%
California$1,506$16412.2%
Colorado$1,392$503.7%
Connecticut$1,756$41430.8%
Delaware$1,632$29021.6%
Florida$1,812$47035.0%
Georgia$1,328-$14-1.0%
Hawaii$1,448$1067.9%
Idaho$932-$410-30.6%
Illinois$996-$346-25.8%
Indiana$954-$388-28.9%
Iowa$1,008-$334-24.9%
Kansas$1,232-$110-8.2%
Kentucky$1,736$39429.4%
Louisiana$2,174$83262.0%
Maine$918-$424-31.6%
Maryland$1,378$362.7%
Massachusetts$1,182-$160-11.9%
Michigan$2,466$1,12483.8%
Minnesota$1,178-$164-12.2%
Mississippi$1,312-$30-2.2%
Missouri$1,146-$196-14.6%
Montana$1,216-$126-9.4%
Nebraska$1,106-$236-17.6%
Nevada$1,730$38828.9%
New Hampshire$1,094-$248-18.5%
New Jersey$1,336-$6-0.4%
New Mexico$1,244-$98-7.3%
New York$1,746$40430.1%
North Carolina$952-$390-29.1%
North Dakota$1,304-$38-2.8%
Ohio$946-$396-29.5%
Oklahoma$1,630$28821.5%
Oregon$1,254-$88-6.6%
Pennsylvania$1,510$16812.5%
Rhode Island$1,626$28421.2%
South Carolina$1,250-$92-6.9%
South Dakota$1,052-$290-21.6%
Tennessee$1,206-$136-10.1%
Texas$1,288-$54-4.0%
Utah$1,188-$154-11.5%
Vermont$954-$388-28.9%
Virginia$964-$378-28.2%
Washington$1,182-$160-11.9%
West Virginia$1,366$241.8%
Wisconsin$1,368$261.9%
Wyoming$1,482$14010.4%

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 TrimAnnual PremiumMonthly Premium
Toyota Highlander 2WD$1,214$101
Toyota Highlander 4WD$1,270$106
Toyota Highlander SE 2WD$1,314$110
Toyota Highlander Sport 2WD$1,314$110
Toyota Highlander Sport 4WD$1,314$110
Toyota Highlander Limited 2WD$1,384$115
Toyota Highlander Limited 4WD$1,384$115
Toyota Highlander SE 4WD$1,384$115
Toyota Highlander Hybrid 4WD$1,384$115
Toyota Highlander Hybrid Limited 4WD$1,470$123

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Toyota Highlander$332$504$354$1,342
2017 Toyota Highlander$316$486$370$1,324
2016 Toyota Highlander$304$482$378$1,316
2015 Toyota Highlander$292$470$396$1,310
2014 Toyota Highlander$282$450$408$1,292
2013 Toyota Highlander$268$434$420$1,274
2012 Toyota Highlander$256$404$428$1,240
2011 Toyota Highlander$246$380$432$1,210
2010 Toyota Highlander$236$340$436$1,164
2009 Toyota Highlander$220$314$436$1,122
2008 Toyota Highlander$214$294$440$1,100
2007 Toyota Highlander$208$274$450$1,084
2006 Toyota Highlander$192$254$450$1,048
2005 Toyota Highlander$188$230$454$1,024
2004 Toyota Highlander$174$212$450$988
2003 Toyota Highlander$164$192$450$958
2002 Toyota Highlander$160$172$446$930
2001 Toyota Highlander$156$168$436$912

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 $390 per year to increase from a low limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, possibly costing $405 a month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,530 more per year to insure their Highlander
  • Increasing physical damage deductibles could save up to $550 each year

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Rates by Driver Age

Toyota Highlander Insurance Rates by Driver Age
Driver AgePremium
16$4,858
20$3,044
30$1,402
40$1,342
50$1,220
60$1,196

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,708
$250$1,540
$500$1,342
$1,000$1,152

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,342
50/100$1,541
100/300$1,629
250/500$1,859
100 CSL$1,576
300 CSL$1,771
500 CSL$1,913

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Insurance Rates for High Risk Drivers
AgePremium
16$6,928
20$4,830
30$2,936
40$2,868
50$2,732
60$2,702

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 $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$71
Multi-vehicle$67
Homeowner$19
5-yr Accident Free$97
5-yr Claim Free$85
Paid in Full/EFT$61
Advance Quote$65
Online Quote$95
Total Discounts$560
Rate after discounts $782

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

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