Toyota Highlander Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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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.

Average auto insurance rates for a Toyota Highlander are $1,360 annually including full coverage. Comprehensive costs around $298, collision costs $474, and liability is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing around $2,926. Teen drivers receive the highest rates at $5,082 a year or more.

Average premium for full coverage: $1,360

Rate estimates for individual coverage type:

Comprehensive $298
Collision $474
Liability $430

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Highlander trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $486 for just liability insurance to a much higher rate of $2,926 for a high-risk insurance policy.

Liability Only $486
Full Coverage $1,360
High Risk $2,926

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These examples highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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 breaks down estimated Toyota Highlander insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $792
  • Choosing higher $1,000 deductibles can save about $176 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,360
  • Choosing more expensive low deductibles for comp and collision coverage will cost $1,698
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,926 or more
  • The cost with full coverage for a 16-year-old driver with full coverage can be $5,082 each year

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Highlander insurance rates range from $792 to $5,082

Auto insurance rates for a Toyota Highlander can also vary considerably based on the trim level of your Highlander, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $520 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Highlander insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

Toyota Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$132 -9.7%
Alaska $1,044 -$316 -23.2%
Arizona $1,128 -$232 -17.1%
Arkansas $1,360 -$0 0.0%
California $1,550 $190 14.0%
Colorado $1,298 -$62 -4.6%
Connecticut $1,398 $38 2.8%
Delaware $1,538 $178 13.1%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $976 -$384 -28.2%
Idaho $920 -$440 -32.4%
Illinois $1,014 -$346 -25.4%
Indiana $1,024 -$336 -24.7%
Iowa $916 -$444 -32.6%
Kansas $1,292 -$68 -5.0%
Kentucky $1,854 $494 36.3%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,122 -$238 -17.5%
Massachusetts $1,088 -$272 -20.0%
Michigan $2,362 $1,002 73.7%
Minnesota $1,138 -$222 -16.3%
Mississippi $1,628 $268 19.7%
Missouri $1,206 -$154 -11.3%
Montana $1,462 $102 7.5%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,520 $160 11.8%
New Mexico $1,204 -$156 -11.5%
New York $1,432 $72 5.3%
North Carolina $784 -$576 -42.4%
North Dakota $1,114 -$246 -18.1%
Ohio $940 -$420 -30.9%
Oklahoma $1,396 $36 2.6%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,298 -$62 -4.6%
Rhode Island $1,812 $452 33.2%
South Carolina $1,232 -$128 -9.4%
South Dakota $1,148 -$212 -15.6%
Tennessee $1,190 -$170 -12.5%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $932 -$428 -31.5%
Virginia $814 -$546 -40.1%
Washington $1,052 -$308 -22.6%
West Virginia $1,244 -$116 -8.5%
Wisconsin $942 -$418 -30.7%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different between companies.

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 $1,240 $103
Toyota Highlander 4WD $1,292 $108
Toyota Highlander SE 2WD $1,332 $111
Toyota Highlander Sport 2WD $1,332 $111
Toyota Highlander Sport 4WD $1,332 $111
Toyota Highlander Limited 2WD $1,400 $117
Toyota Highlander Limited 4WD $1,400 $117
Toyota Highlander SE 4WD $1,400 $117
Toyota Highlander Hybrid 4WD $1,400 $117
Toyota Highlander Hybrid Limited 4WD $1,478 $123

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 $298 $474 $430 $1,360
2017 Toyota Highlander $260 $400 $456 $1,274
2016 Toyota Highlander $248 $358 $460 $1,224
2015 Toyota Highlander $232 $330 $460 $1,180
2010 Toyota Highlander $184 $222 $474 $1,038
2009 Toyota Highlander $174 $202 $474 $1,008
2008 Toyota Highlander $168 $182 $468 $976
2007 Toyota Highlander $166 $178 $460 $962
2006 Toyota Highlander $162 $168 $452 $940
2005 Toyota Highlander $148 $160 $446 $912
2004 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

Saving money on insurance for a Toyota Highlander takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a summary of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,570 more every year than a driver with a clean driving record
  • You may be able to save up to $160 per year simply by shopping early and online
  • Increasing deductibles could save up to $525 each year
  • Insureds who may need additional liability coverage will pay about $470 per year to raise limits from a minimum limit to higher 250/500 limits

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

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%

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 $5,082
20 $3,110
30 $1,414
40 $1,360
50 $1,242
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,542
$500 $1,360
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,564
100/300 $1,672
250/500 $1,951
100 CSL $1,607
300 CSL $1,844
500 CSL $2,016

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $7,236
20 $4,948
30 $2,984
40 $2,926
50 $2,792
60 $2,766

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 $186

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $60
Advance Quote $65
Online Quote $96
Total Discounts $568
Rate after discounts $792

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

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