Toyota Highlander Insurance Rates

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 insurance rates for a Toyota Highlander are $1,382 a year with full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $506, and liability coverage is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs $2,970 or more. Teenage drivers pay the highest rates at up to $5,098 a year.

Average premium for full coverage: $1,382

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Highlander trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details average Toyota Highlander insurance rates for other coverage scenarios.

• The best discount rate is $805
• Choosing higher $1,000 deductibles can save approximately $188 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,382
• Using more expensive low deductibles for comp and collision coverage will cost an extra $362 each year
• Drivers who are prone to accidents and violations could pay up to $2,970
• The price for full coverage for a teenage driver with full coverage can cost as much as $5,098 each year

View Chart as Image

Insurance prices for a Toyota Highlander are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Highlander insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $550 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Toyota Highlander Insurance

Getting lower rates on auto insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a review of the material that was covered above.

• Consumers who want more liability protection will pay an extra $440 every year to raise limits from a low limit to 250/500 limits
• Youthful drivers are charged the highest prices, costing up to $425 a month for full coverage
• Drivers who have several accidents or serious violations may pay on average $1,590 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $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.

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

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

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.

• Buick Enclave
• Chevrolet Traverse
• Dodge Journey

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