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.

The average insurance prices for a Toyota Highlander are $1,360 every 12 months including full coverage. Comprehensive costs approximately $298 each year, collision insurance costs $474, and liability insurance costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $2,926. 16-year-old drivers cost the most to insure at up to $5,082 a year.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Highlander models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $792
• Drivers who choose higher $1,000 deductibles will pay $176 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,360
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,698
• High risk drivers with multiple tickets or accidents could pay around $2,926
• Policy cost to insure a teen driver can cost $5,082 a year

View Chart as Image

Auto insurance rates for a Toyota Highlander also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Highlander.

Opting for high physical damage deductibles could save up to $520 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Toyota Highlander Insurance

Finding cheaper rates on Toyota Highlander insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a brief recap of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $424 each month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations could be charged and average of $1,570 more per year to buy Toyota Highlander insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save around $160 per year just by quoting online in advance

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.

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.

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