Toyota Highlander 4WD Insurance Rates

Average auto insurance rates for a Toyota Highlander 4WD are $1,338 annually with full coverage. Comprehensive insurance costs on average $340, collision costs $476, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing $2,848 or more. Teen drivers receive the highest rates at $4,846 a year or more.

Annual premium for full coverage: $1,338

Rate estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Highlander Trim Level

These differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Highlander 4WD can also vary considerably based on the model year of your Highlander, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Toyota Highlander 4WD insurance for high-risk drivers can be anywhere from 43% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $550 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Highlander 4WD insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

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The chart above shows Toyota Highlander 4WD insurance prices for different situations. The lowest price with discounts is $788. Drivers who choose higher $1,000 deductibles will pay about $1,152. The average price for a 40-year-old male driver using $500 deductibles is $1,338. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $1,694. High risk drivers could be charged as much as $2,848. The rate for full coverage for a teen driver can be as high as $4,846.

View Chart as Image