Toyota Highlander Insurance Rates
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Michelle Robbins
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UPDATED: Apr 17, 2024
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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.
The average insurance rates for a Toyota Highlander are $1,376 a year with full coverage. Comprehensive costs around $308, collision insurance costs $494, and liability insurance is $416. Buying just liability costs around $474 a year, and insurance for high-risk drivers costs around $2,964. Teens cost the most to insure at up to $5,116 a year.
Average premium for full coverage: $1,376
Policy rates for type of insurance:
Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Highlander trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Highlander insurance rates range from the low end price of $474 for just liability insurance to a much higher rate of $2,964 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying 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.
More Rate Details
The chart below details average Toyota Highlander insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $801
- Raising to $1,000 deductibles will save about $182 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,376
- Selecting more expensive low deductibles bumps up the cost to $1,728
- Higher-risk drivers with serious driving violations could pay at least $2,964
- Policy cost that insures a teen driver with full coverage can be $5,116
Insurance rates for a Toyota Highlander also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age
Your home state also has a big influence on Toyota Highlander insurance rates. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,860 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,058 | -$318 | -23.1% |
| Arizona | $1,144 | -$232 | -16.9% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,570 | $194 | 14.1% |
| Colorado | $1,316 | -$60 | -4.4% |
| Connecticut | $1,416 | $40 | 2.9% |
| Delaware | $1,558 | $182 | 13.2% |
| Florida | $1,724 | $348 | 25.3% |
| Georgia | $1,270 | -$106 | -7.7% |
| Hawaii | $990 | -$386 | -28.1% |
| Idaho | $932 | -$444 | -32.3% |
| Illinois | $1,026 | -$350 | -25.4% |
| Indiana | $1,036 | -$340 | -24.7% |
| Iowa | $930 | -$446 | -32.4% |
| Kansas | $1,310 | -$66 | -4.8% |
| Kentucky | $1,878 | $502 | 36.5% |
| Louisiana | $2,038 | $662 | 48.1% |
| Maine | $850 | -$526 | -38.2% |
| Maryland | $1,136 | -$240 | -17.4% |
| Massachusetts | $1,102 | -$274 | -19.9% |
| Michigan | $2,392 | $1,016 | 73.8% |
| Minnesota | $1,152 | -$224 | -16.3% |
| Mississippi | $1,650 | $274 | 19.9% |
| Missouri | $1,224 | -$152 | -11.0% |
| Montana | $1,482 | $106 | 7.7% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,652 | $276 | 20.1% |
| New Hampshire | $992 | -$384 | -27.9% |
| New Jersey | $1,538 | $162 | 11.8% |
| New Mexico | $1,220 | -$156 | -11.3% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $794 | -$582 | -42.3% |
| North Dakota | $1,126 | -$250 | -18.2% |
| Ohio | $952 | -$424 | -30.8% |
| Oklahoma | $1,414 | $38 | 2.8% |
| Oregon | $1,262 | -$114 | -8.3% |
| Pennsylvania | $1,314 | -$62 | -4.5% |
| Rhode Island | $1,838 | $462 | 33.6% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,164 | -$212 | -15.4% |
| Tennessee | $1,206 | -$170 | -12.4% |
| Texas | $1,662 | $286 | 20.8% |
| Utah | $1,020 | -$356 | -25.9% |
| Vermont | $942 | -$434 | -31.5% |
| Virginia | $824 | -$552 | -40.1% |
| Washington | $1,066 | -$310 | -22.5% |
| West Virginia | $1,262 | -$114 | -8.3% |
| Wisconsin | $954 | -$422 | -30.7% |
| Wyoming | $1,226 | -$150 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,254 | $105 |
| Toyota Highlander 4WD | $1,306 | $109 |
| Toyota Highlander SE 2WD | $1,348 | $112 |
| Toyota Highlander Sport 2WD | $1,348 | $112 |
| Toyota Highlander Sport 4WD | $1,348 | $112 |
| Toyota Highlander Limited 2WD | $1,418 | $118 |
| Toyota Highlander Limited 4WD | $1,418 | $118 |
| Toyota Highlander SE 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid 4WD | $1,418 | $118 |
| Toyota Highlander Hybrid Limited 4WD | $1,500 | $125 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2023 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2022 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2021 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2020 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2019 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2018 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2017 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2016 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2015 Toyota Highlander | $220 | $288 | $474 | $1,140 |
| 2010 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2009 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2008 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2007 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2006 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
Finding cheaper rates on Toyota Highlander insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare rates every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the material that was touched on in this article.
- Drivers who may need more liability protection will pay approximately $460 every year to raise from a 30/60 limit to the 250/500 level
- Youthful drivers pay higher rates, as much as $426 each month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,590 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $525 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 Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 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 |
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 Category | Loss 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,116 |
| 20 | $3,148 |
| 30 | $1,434 |
| 40 | $1,376 |
| 50 | $1,256 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,568 |
| $500 | $1,376 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,376 |
| 50/100 | $1,583 |
| 100/300 | $1,687 |
| 250/500 | $1,958 |
| 100 CSL | $1,625 |
| 300 CSL | $1,854 |
| 500 CSL | $2,020 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,290 |
| 20 | $5,010 |
| 30 | $3,028 |
| 40 | $2,964 |
| 50 | $2,826 |
| 60 | $2,798 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $97 |
| Total Discounts | $575 |
Discounts are estimated and may not be available from every company or in every state.
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