Toyota Grand Highlander Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Grand Highlander are $1,714 every 12 months including full coverage. Comprehensive insurance costs on average $404 each year, collision insurance costs $780, and liability insurance is estimated at $372. A policy with only liability insurance costs approximately $438 a year, and a high-risk policy costs $3,722 or more. 16-year-old drivers pay the most at up to $6,170 a year.
Average premium for full coverage: $1,714
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Grand Highlander models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Grand Highlander range from the cheapest price of $438 for just liability insurance to a high rate of $3,722 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
These rate differences highlight why all drivers should get quotes based on a specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $963
- Choosing higher $1,000 deductibles can save around $268 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,714
- Buying low deductibles for comp and collision coverage costs an extra $526 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,722
- An auto insurance policy to insure a teen driver may cost $6,170 each year
Car insurance prices for a Toyota Grand Highlander also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Grand Highlander.
Opting for high physical damage deductibles can save as much as $800 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota Grand Highlander insurance rates. A good driver about age 40 could pay as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,450 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$164 | -9.6% |
| Alaska | $1,316 | -$398 | -23.2% |
| Arizona | $1,424 | -$290 | -16.9% |
| Arkansas | $1,714 | -$0 | 0.0% |
| California | $1,954 | $240 | 14.0% |
| Colorado | $1,640 | -$74 | -4.3% |
| Connecticut | $1,762 | $48 | 2.8% |
| Delaware | $1,942 | $228 | 13.3% |
| Florida | $2,146 | $432 | 25.2% |
| Georgia | $1,584 | -$130 | -7.6% |
| Hawaii | $1,232 | -$482 | -28.1% |
| Idaho | $1,162 | -$552 | -32.2% |
| Illinois | $1,278 | -$436 | -25.4% |
| Indiana | $1,290 | -$424 | -24.7% |
| Iowa | $1,158 | -$556 | -32.4% |
| Kansas | $1,632 | -$82 | -4.8% |
| Kentucky | $2,340 | $626 | 36.5% |
| Louisiana | $2,540 | $826 | 48.2% |
| Maine | $1,060 | -$654 | -38.2% |
| Maryland | $1,416 | -$298 | -17.4% |
| Massachusetts | $1,372 | -$342 | -20.0% |
| Michigan | $2,980 | $1,266 | 73.9% |
| Minnesota | $1,436 | -$278 | -16.2% |
| Mississippi | $2,056 | $342 | 20.0% |
| Missouri | $1,522 | -$192 | -11.2% |
| Montana | $1,844 | $130 | 7.6% |
| Nebraska | $1,354 | -$360 | -21.0% |
| Nevada | $2,056 | $342 | 20.0% |
| New Hampshire | $1,234 | -$480 | -28.0% |
| New Jersey | $1,918 | $204 | 11.9% |
| New Mexico | $1,520 | -$194 | -11.3% |
| New York | $1,808 | $94 | 5.5% |
| North Carolina | $988 | -$726 | -42.4% |
| North Dakota | $1,404 | -$310 | -18.1% |
| Ohio | $1,182 | -$532 | -31.0% |
| Oklahoma | $1,762 | $48 | 2.8% |
| Oregon | $1,572 | -$142 | -8.3% |
| Pennsylvania | $1,638 | -$76 | -4.4% |
| Rhode Island | $2,288 | $574 | 33.5% |
| South Carolina | $1,556 | -$158 | -9.2% |
| South Dakota | $1,446 | -$268 | -15.6% |
| Tennessee | $1,504 | -$210 | -12.3% |
| Texas | $2,066 | $352 | 20.5% |
| Utah | $1,270 | -$444 | -25.9% |
| Vermont | $1,174 | -$540 | -31.5% |
| Virginia | $1,028 | -$686 | -40.0% |
| Washington | $1,326 | -$388 | -22.6% |
| West Virginia | $1,572 | -$142 | -8.3% |
| Wisconsin | $1,188 | -$526 | -30.7% |
| Wyoming | $1,530 | -$184 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Grand Highlander | $404 | $780 | $372 | $1,714 |
Rates are averaged for all Toyota Grand Highlander models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Toyota Grand Highlander Insurance
Finding better rates on Toyota Grand Highlander insurance takes being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around at every policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick review of the data illustrated above.
- Drivers who require more liability protection will pay around $410 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
- You may be able to save as much as $210 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $800 each year
- Youthful drivers are expensive to insure, with the cost nearing $514 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,170 |
| 20 | $3,972 |
| 30 | $1,808 |
| 40 | $1,714 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,240 |
| $250 | $1,994 |
| $500 | $1,714 |
| $1,000 | $1,446 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,714 |
| 50/100 | $1,788 |
| 100/300 | $1,881 |
| 250/500 | $2,123 |
| 100 CSL | $1,826 |
| 300 CSL | $2,030 |
| 500 CSL | $2,179 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,860 |
| 20 | $6,316 |
| 30 | $3,824 |
| 40 | $3,722 |
| 50 | $3,548 |
| 60 | $3,518 |
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 | $93 |
| Multi-vehicle | $88 |
| Homeowner | $23 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $86 |
| Advance Quote | $89 |
| Online Quote | $124 |
| Total Discounts | $751 |
Discounts are estimated and may not be available from every company or in every state.
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