Toyota Highlander 2WD Insurance Rates
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Average insurance prices for a Toyota Highlander 2WD are $1,280 every 12 months with full coverage. Comprehensive costs an estimated $312, collision insurance costs $446, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,724. Teenage drivers receive the highest rates at up to $4,680 a year.
Annual premium for full coverage: $1,280
Rate estimates broken down by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Highlander Trim Level
For an average driver, prices range from the cheapest price of $430 for just the minimum liability insurance to a much higher rate of $2,724 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.
These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Toyota Highlander 2WD Insurance
Car insurance rates for a Toyota Highlander 2WD can also vary considerably based on policy deductibles and limits, your driving record, and the model year.
Using high physical damage deductibles could save up to $500 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Toyota Highlander 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different.
The chart above shows Toyota Highlander 2WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $756. Drivers who use higher $1,000 deductibles will pay $1,108. The average rate for a driver around age 40 using $500 deductibles is $1,280. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,608. Drivers with multiple violations and accidents could be charged as much as $2,724. The price for full coverage insurance for a teenage driver is $4,680.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,156 | -$124 | -9.7% |
Alaska | $982 | -$298 | -23.3% |
Arizona | $1,064 | -$216 | -16.9% |
Arkansas | $1,280 | -$0 | 0.0% |
California | $1,458 | $178 | 13.9% |
Colorado | $1,222 | -$58 | -4.5% |
Connecticut | $1,318 | $38 | 3.0% |
Delaware | $1,450 | $170 | 13.3% |
Florida | $1,600 | $320 | 25.0% |
Georgia | $1,182 | -$98 | -7.7% |
Hawaii | $920 | -$360 | -28.1% |
Idaho | $866 | -$414 | -32.3% |
Illinois | $954 | -$326 | -25.5% |
Indiana | $964 | -$316 | -24.7% |
Iowa | $864 | -$416 | -32.5% |
Kansas | $1,216 | -$64 | -5.0% |
Kentucky | $1,746 | $466 | 36.4% |
Louisiana | $1,892 | $612 | 47.8% |
Maine | $788 | -$492 | -38.4% |
Maryland | $1,056 | -$224 | -17.5% |
Massachusetts | $1,024 | -$256 | -20.0% |
Michigan | $2,224 | $944 | 73.8% |
Minnesota | $1,070 | -$210 | -16.4% |
Mississippi | $1,534 | $254 | 19.8% |
Missouri | $1,136 | -$144 | -11.3% |
Montana | $1,374 | $94 | 7.3% |
Nebraska | $1,008 | -$272 | -21.3% |
Nevada | $1,534 | $254 | 19.8% |
New Hampshire | $922 | -$358 | -28.0% |
New Jersey | $1,432 | $152 | 11.9% |
New Mexico | $1,132 | -$148 | -11.6% |
New York | $1,348 | $68 | 5.3% |
North Carolina | $738 | -$542 | -42.3% |
North Dakota | $1,048 | -$232 | -18.1% |
Ohio | $884 | -$396 | -30.9% |
Oklahoma | $1,314 | $34 | 2.7% |
Oregon | $1,172 | -$108 | -8.4% |
Pennsylvania | $1,220 | -$60 | -4.7% |
Rhode Island | $1,706 | $426 | 33.3% |
South Carolina | $1,162 | -$118 | -9.2% |
South Dakota | $1,080 | -$200 | -15.6% |
Tennessee | $1,122 | -$158 | -12.3% |
Texas | $1,542 | $262 | 20.5% |
Utah | $950 | -$330 | -25.8% |
Vermont | $876 | -$404 | -31.6% |
Virginia | $766 | -$514 | -40.2% |
Washington | $990 | -$290 | -22.7% |
West Virginia | $1,172 | -$108 | -8.4% |
Wisconsin | $886 | -$394 | -30.8% |
Wyoming | $1,140 | -$140 | -10.9% |
Rate Tables and Charts
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Choose a different trim level below
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,680 |
20 | $2,894 |
30 | $1,334 |
40 | $1,280 |
50 | $1,166 |
60 | $1,142 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,608 |
$250 | $1,458 |
$500 | $1,280 |
$1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,280 |
50/100 | $1,353 |
100/300 | $1,444 |
250/500 | $1,680 |
100 CSL | $1,389 |
300 CSL | $1,589 |
500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,656 |
20 | $4,586 |
30 | $2,784 |
40 | $2,724 |
50 | $2,598 |
60 | $2,570 |
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 | $67 |
Multi-vehicle | $63 |
Homeowner | $19 |
5-yr Accident Free | $89 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $56 |
Advance Quote | $60 |
Online Quote | $90 |
Total Discounts | $524 |
Discounts are estimated and may not be available from every company or in every state.
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