Toyota Highlander Insurance Rates
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UPDATED: Apr 17, 2024
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How much should I pay for a Toyota Highlander insurance plan? And are Toyota Highlanders expensive to insure? The average Toyota Highlander insurance rates are about $1,410 a year, or $117 a month.
Read or complete guide to learn what you can do to secure cheap car insurance rates for your Toyota Highlander.
Always review rates from multiple car insurance companies before you buy Toyota Highlander car insurance.
Can’t wait to start shopping for cheaper rates? Enter your five-digit ZIP code into our FREE quote comparison tool above to start finding the best Toyota Highlander insurance rates.
Average insurance rates for a Toyota Highlander are $1,392 a year for full coverage. Comprehensive insurance costs on average $332, collision costs $512, and liability insurance costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing $2,982 or more. Teens receive the highest rates at $5,092 a year or more.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Highlander models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $452 for just liability insurance to the much higher price of $2,982 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates how your location can change car insurance rates.
These examples show why everyone should compare rates based on a specific location, rather than relying on averaged prices.
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 shows estimated Toyota Highlander insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $810
- Drivers who choose higher $1,000 deductibles will pay around $194 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,392
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $368 a year
- High risk drivers with serious driving violations could pay upwards of $2,982 or more
- The cost that insures a teen driver for full coverage may cost $5,092 a year
Car insurance rates for a Toyota Highlander can also vary considerably based on the model of your Highlander, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Toyota Highlander insurance for high-risk drivers can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,990 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,258 | -$134 | -9.6% |
| Alaska | $1,068 | -$324 | -23.3% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,330 | -$62 | -4.5% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,742 | $350 | 25.1% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $998 | -$394 | -28.3% |
| Idaho | $942 | -$450 | -32.3% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,048 | -$344 | -24.7% |
| Iowa | $940 | -$452 | -32.5% |
| Kansas | $1,324 | -$68 | -4.9% |
| Kentucky | $1,900 | $508 | 36.5% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $860 | -$532 | -38.2% |
| Maryland | $1,148 | -$244 | -17.5% |
| Massachusetts | $1,114 | -$278 | -20.0% |
| Michigan | $2,420 | $1,028 | 73.9% |
| Minnesota | $1,164 | -$228 | -16.4% |
| Mississippi | $1,666 | $274 | 19.7% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,496 | $104 | 7.5% |
| Nebraska | $1,098 | -$294 | -21.1% |
| Nevada | $1,668 | $276 | 19.8% |
| New Hampshire | $1,002 | -$390 | -28.0% |
| New Jersey | $1,558 | $166 | 11.9% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,466 | $74 | 5.3% |
| North Carolina | $802 | -$590 | -42.4% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,430 | $38 | 2.7% |
| Oregon | $1,274 | -$118 | -8.5% |
| Pennsylvania | $1,330 | -$62 | -4.5% |
| Rhode Island | $1,858 | $466 | 33.5% |
| South Carolina | $1,262 | -$130 | -9.3% |
| South Dakota | $1,174 | -$218 | -15.7% |
| Tennessee | $1,222 | -$170 | -12.2% |
| Texas | $1,678 | $286 | 20.5% |
| Utah | $1,030 | -$362 | -26.0% |
| Vermont | $954 | -$438 | -31.5% |
| Virginia | $834 | -$558 | -40.1% |
| Washington | $1,074 | -$318 | -22.8% |
| West Virginia | $1,276 | -$116 | -8.3% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,242 | -$150 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,264 | $105 |
| Toyota Highlander 4WD | $1,320 | $110 |
| Toyota Highlander SE 2WD | $1,362 | $114 |
| Toyota Highlander Sport 2WD | $1,362 | $114 |
| Toyota Highlander Sport 4WD | $1,362 | $114 |
| Toyota Highlander Limited 2WD | $1,436 | $120 |
| Toyota Highlander Limited 4WD | $1,436 | $120 |
| Toyota Highlander SE 4WD | $1,436 | $120 |
| Toyota Highlander Hybrid 4WD | $1,436 | $120 |
| Toyota Highlander Hybrid Limited 4WD | $1,520 | $127 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Highlander | $348 | $532 | $372 | $1,410 |
| 2023 Toyota Highlander | $332 | $512 | $390 | $1,392 |
| 2022 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2021 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2020 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2019 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2018 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2017 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2016 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2015 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2010 Toyota Highlander | $184 | $222 | $474 | $1,038 |
| 2009 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2008 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2007 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2006 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2005 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2004 Toyota Highlander | $144 | $152 | $442 | $896 |
Rates are averaged for all Toyota 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 Find the Right Toyota Highlander Insurance
Saving money on Toyota Highlander insurance not only requires being a safe and courteous driver, but also having a positive credit history, eliminating unneeded coverage, and maximizing policy discounts. Compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the car insurance concepts illustrated above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,590 more each year for auto insurance
- Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $550 each year
- Drivers who require higher levels of liability will pay approximately $430 each year to go from a minimum limit to the 250/500 level
To recap, is Toyota Highlander expensive to insure? The average Toyota Highlander insurance cost is $1,410 a year, or $117 a month. How much should you pay for a 2020 Toyota Highlander? It starts at $34,600.
The cost to own a Toyota Highlander can be reduced by getting Toyota Highlander quotes. This is true whether you are looking for 2017 Toyota Highlander insurance rates or 2003 Toyota Highlander costs.
To find the average cost of your Toyota Highlander, enter your ZIP code in our free tool below. We’ll show you quotes from multiple Toyota Highlander car insurance companies in your area.
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What are the safety ratings of the Toyota Highlander?
Safety features and ratings can affect the cost of your insurance. The Toyota Highlander has multiple safety features, such as multiple airbags, brake assist, traction control, lane departure warning, and more. Keep in mind that newer models will have more safety features, so the cost of a 2012 Toyota Highlander will be different than a 2020 model.
The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Toyota Highlander a 2020 Top Safety Pick award for its following crash test ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Watch the video below to see how the IIHS crash-tested the Toyota Highlander.
The National Highway Traffic Safety Administration performed various crash tests on different Toyota Highlander models. See the results of the Toyota Highlander crash tests in the table below.
Toyota Highlander Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
A five-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed well. Newer models have slightly better crash test results than older Toyota Highlanders.
Toyota Highlander Compared Against Other Vehicles in the Same Class
The Toyota Highlander is a midsize SUV. The Insurance Institute for Highway Safety listed the Toyota Highlander’s liability losses as average and better than average among other midsize SUVs, which can mean lower liability rates.
See more details about the Toyota Highlander insurance loss probability in the table below.
Toyota Highlander Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -17% |
| Property Damage | -11% |
| Comprehensive | -8% |
| Personal Injury | -11% |
| Medical Payment | -18% |
| Bodily Injury | -17% |
The lower the number, the better the insurance loss ratio. The Highlander has an average or better than average loss ratio in almost every category.
To see how the Toyota Highlander’s insurance rates compare to other midsize SUVs, take a look at the SUVs below.
Ready to jump into finding affordable Toyota Highlander auto insurance quotes? Simply enter your five-digit ZIP code into our FREE online quote tool to start comparing Toyota Highlander rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,092 |
| 20 | $3,166 |
| 30 | $1,454 |
| 40 | $1,392 |
| 50 | $1,270 |
| 60 | $1,242 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,592 |
| $500 | $1,392 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,598 |
| 100/300 | $1,696 |
| 250/500 | $1,949 |
| 100 CSL | $1,637 |
| 300 CSL | $1,852 |
| 500 CSL | $2,008 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,260 |
| 20 | $5,030 |
| 30 | $3,050 |
| 40 | $2,982 |
| 50 | $2,842 |
| 60 | $2,816 |
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 | $74 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $67 |
| Online Quote | $99 |
| Total Discounts | $582 |
Discounts are estimated and may not be available from every company or in every state.
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