Toyota Highlander Insurance Rates

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.

The average auto insurance rates for a Toyota Highlander are $1,392 annually for full coverage. Comprehensive costs on average $332, collision insurance costs $512, and liability coverage is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $2,982. Teens cost the most to insure at up to $5,092 a year.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Highlander trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save around $194 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,392
• Selecting more expensive low deductibles will cost $1,760
• Unlucky drivers with serious driving violations could pay upwards of $2,982
• Policy cost with full coverage for a teenage driver with full coverage may cost $5,092

View Chart as Image

Insurance rates for a Toyota Highlander also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Highlander insurance rates. A middle-age driver might find rates 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.

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Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Toyota Highlander Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a quick rundown of the material that was illustrated above.

• Consumers who require more liability coverage will pay approximately $430 each year to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers pay the highest rates, costing up to $424 each month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions may be required to pay an average of $1,590 more each year to insure their Highlander
• Increasing comprehensive and collision deductibles could save up to $550 each year

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.

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

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

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.

• Buick Enclave
• Chevrolet Traverse
• Dodge Journey

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

1. https://www.iihs.org/ratings/vehicle/toyota/highlander-4-door-suv/2020