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 $1,382 a year for full coverage insurance. Comprehensive costs approximately $320, collision costs $506, and liability coverage costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing around $2,970. Teenage drivers receive the highest rates at $5,098 a year or more.
Average premium for full coverage: $1,382
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Highlander models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $460 for just liability coverage to the much higher price of $2,970 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why everyone should compare rates using their specific location, rather than using average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Highlander insurance rates for additional coverage and risk scenarios.
- The best discount rate is $805
- Drivers who choose higher $1,000 deductibles will pay $188 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,382
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,744
- High-risk insureds who are prone to accidents and violations could pay around $2,970 or more
- The cost that insures a teenage driver for full coverage can cost $5,098 a year
Auto insurance rates for a Toyota Highlander can also vary considerably based on the model of your Highlander, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Toyota Highlander insurance for high-risk drivers can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark 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 $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,060 | -$322 | -23.3% |
| Arizona | $1,146 | -$236 | -17.1% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,576 | $194 | 14.0% |
| Colorado | $1,320 | -$62 | -4.5% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,566 | $184 | 13.3% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $994 | -$388 | -28.1% |
| Idaho | $936 | -$446 | -32.3% |
| Illinois | $1,032 | -$350 | -25.3% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,888 | $506 | 36.6% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,108 | -$274 | -19.8% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,158 | -$224 | -16.2% |
| Mississippi | $1,658 | $276 | 20.0% |
| Missouri | $1,228 | -$154 | -11.1% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,092 | -$290 | -21.0% |
| Nevada | $1,658 | $276 | 20.0% |
| New Hampshire | $998 | -$384 | -27.8% |
| New Jersey | $1,546 | $164 | 11.9% |
| New Mexico | $1,226 | -$156 | -11.3% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,132 | -$250 | -18.1% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,422 | $40 | 2.9% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$62 | -4.5% |
| Rhode Island | $1,846 | $464 | 33.6% |
| South Carolina | $1,256 | -$126 | -9.1% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,212 | -$170 | -12.3% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Using high physical damage deductibles could save up to $550 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,256 | $105 |
| Toyota Highlander 4WD | $1,310 | $109 |
| Toyota Highlander SE 2WD | $1,354 | $113 |
| Toyota Highlander Sport 2WD | $1,354 | $113 |
| Toyota Highlander Sport 4WD | $1,354 | $113 |
| Toyota Highlander Limited 2WD | $1,424 | $119 |
| Toyota Highlander Limited 4WD | $1,424 | $119 |
| Toyota Highlander SE 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid Limited 4WD | $1,508 | $126 |
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 | $332 | $512 | $390 | $1,392 |
| 2023 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2022 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2021 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2020 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2019 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2018 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2017 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2016 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2015 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2010 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2009 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2008 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2007 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2006 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2005 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 More Affordable Toyota Highlander Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following is a summary of the primary concepts that were covered above.
- It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
- Drivers who have multiple accidents or major violations could be charged and average of $1,590 more per year for Highlander insurance
- Increasing deductibles can save approximately $550 each year
- Teens have the highest car insurance rates, costing up to $425 per month if the policy includes full coverage
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 | $5,098 |
| 20 | $3,160 |
| 30 | $1,444 |
| 40 | $1,382 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,576 |
| $500 | $1,382 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,588 |
| 100/300 | $1,687 |
| 250/500 | $1,946 |
| 100 CSL | $1,627 |
| 300 CSL | $1,846 |
| 500 CSL | $2,006 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,266 |
| 20 | $5,016 |
| 30 | $3,036 |
| 40 | $2,970 |
| 50 | $2,832 |
| 60 | $2,806 |
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 | $73 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $577 |
Discounts are estimated and may not be available from every company or in every state.
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