Toyota Grand Highlander Insurance Rates

Estimated insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive insurance costs on average $404 each year, collision insurance costs $780, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $3,722 or more. Teenage drivers pay the most at up to $6,170 a year.

Average premium for full coverage: $1,714

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Grand Highlander models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below shows average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.

• The best discount rate is $963
• Drivers who choose higher $1,000 deductibles will pay around $268 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,714
• Using low deductibles for comprehensive and collision insurance will cost an extra $526 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,722
• An auto insurance policy for full coverage for a teen driver may cost $6,170 a year

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Insurance prices for a Toyota Grand Highlander also have a wide range based on your driving characteristics, the trim level of your Grand Highlander, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Grand Highlander insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,450 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $800 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Right Toyota Grand Highlander Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below is a quick rundown of the coverage data illustrated above.

• Drivers can save as much as $210 per year just by quoting online in advance
• Increasing policy deductibles can save around $800 each year
• Teenage drivers pay the highest prices, as much as $514 per month for full coverage
• Higher risk drivers with reckless driving or DUI convictions will pay on average $2,010 more each year for auto insurance