Toyota Highlander Limited 4WD Insurance Rates

Average insurance rates for a Toyota Highlander Limited 4WD are $1,462 a year for full coverage insurance. Comprehensive insurance costs around $368 each year, collision insurance costs $572, and liability costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs $3,128 or more. Teen drivers receive the highest rates at up to $5,258 a year.

Annual premium for full coverage: $1,462

Rate estimates for individual 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 illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

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

More mature drivers with a good driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Where you live makes a big difference in Toyota Highlander Limited 4WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $630 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

View Chart as Image

The chart estimates Toyota Highlander Limited 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $848. Drivers who choose higher $1,000 deductibles will pay around $1,248. The average rate for a driver age 40 with no violations using $500 deductibles is $1,462. Using lower $100 deductibles for physical damage coverage can cost as much as $1,872. High risk drivers could be charged as much as $3,128. The policy rate for full coverage for a 16-year-old driver is $5,258.

View Chart as Image