Toyota Highlander Sport 4WD Insurance Rates

U.S. average auto insurance rates for a Toyota Highlander Sport 4WD are $1,384 annually including full coverage. Comprehensive insurance costs around $354 each year, collision costs $508, and liability coverage costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing $2,950 or more. Teen drivers pay the highest rates at $4,990 a year or more.

Annual premium for full coverage: $1,384

Price 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 price ranges highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Toyota Highlander Sport 4WD are also quite variable based on the actual cash value of your Highlander, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $580 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Highlander Sport 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

The chart above shows average Toyota Highlander Sport 4WD insurance prices for different situations. The cheapest price with discounts is $810. Drivers who choose higher $1,000 deductibles will pay about $1,188. The average price for a driver age 40 with no violations using $500 deductibles is $1,384. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,760. High risk drivers could be charged at least $2,950. The policy rate for full coverage for a 16-year-old driver can be as high as $4,990.

View Chart as Image