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.
Estimated insurance rates for a Toyota Highlander are $1,382 a year for full coverage. Comprehensive insurance costs on average $320 each year, collision costs $506, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $2,970 or more. 16-year-old drivers pay the most at $5,098 a year or more.
Average premium for full coverage: $1,382
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Highlander models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Highlander go from as low as $460 for the bare minimum liability coverage to a high rate of $2,970 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location and risk profile, rather than relying on rate 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.
Additional Rate Information
The chart below shows estimated Toyota Highlander insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $805
- Using higher $1,000 deductibles will save around $188 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,382
- Buying low deductibles for physical damage coverage will cost an extra $362 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,970 or more
- An auto insurance policy for full coverage for a teen driver may cost $5,098 or more
Insurance prices for a Toyota Highlander also have a wide range based on your driving characteristics, the trim level of your Highlander, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota Highlander insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,060 | -$322 | -23.3% |
| Arizona | $1,146 | -$236 | -17.1% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,576 | $194 | 14.0% |
| Colorado | $1,320 | -$62 | -4.5% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,566 | $184 | 13.3% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $994 | -$388 | -28.1% |
| Idaho | $936 | -$446 | -32.3% |
| Illinois | $1,032 | -$350 | -25.3% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,888 | $506 | 36.6% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,108 | -$274 | -19.8% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,158 | -$224 | -16.2% |
| Mississippi | $1,658 | $276 | 20.0% |
| Missouri | $1,228 | -$154 | -11.1% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,092 | -$290 | -21.0% |
| Nevada | $1,658 | $276 | 20.0% |
| New Hampshire | $998 | -$384 | -27.8% |
| New Jersey | $1,546 | $164 | 11.9% |
| New Mexico | $1,226 | -$156 | -11.3% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,132 | -$250 | -18.1% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,422 | $40 | 2.9% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$62 | -4.5% |
| Rhode Island | $1,846 | $464 | 33.6% |
| South Carolina | $1,256 | -$126 | -9.1% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,212 | -$170 | -12.3% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $550 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,256 | $105 |
| Toyota Highlander 4WD | $1,310 | $109 |
| Toyota Highlander SE 2WD | $1,354 | $113 |
| Toyota Highlander Sport 2WD | $1,354 | $113 |
| Toyota Highlander Sport 4WD | $1,354 | $113 |
| Toyota Highlander Limited 2WD | $1,424 | $119 |
| Toyota Highlander Limited 4WD | $1,424 | $119 |
| Toyota Highlander SE 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid Limited 4WD | $1,508 | $126 |
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 | $332 | $512 | $390 | $1,392 |
| 2023 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2022 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2021 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2020 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2019 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2018 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2017 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2016 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2015 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2010 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2009 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2008 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2007 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2006 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2005 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 Cheapest Toyota Highlander Insurance
Finding better rates on Toyota Highlander insurance requires avoiding accidents and violations, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The list below is a recap of the material that was raised in the charts and tables above.
- Drivers who require higher liability limits will pay around $440 each year to increase from 30/60 bodily injury limits to 250/500 limits
- Teenagers pay the highest prices, as much as $425 per month for full coverage
- High-risk drivers that have major violations or accidents will pay on average $1,590 more each year for car insurance
- Increasing policy 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.
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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 | $5,098 |
| 20 | $3,160 |
| 30 | $1,444 |
| 40 | $1,382 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,576 |
| $500 | $1,382 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,588 |
| 100/300 | $1,687 |
| 250/500 | $1,946 |
| 100 CSL | $1,627 |
| 300 CSL | $1,846 |
| 500 CSL | $2,006 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,266 |
| 20 | $5,016 |
| 30 | $3,036 |
| 40 | $2,970 |
| 50 | $2,832 |
| 60 | $2,806 |
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 | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $577 |
Discounts are estimated and may not be available from every company or in every state.
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