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 auto insurance rates for a Toyota Highlander are $1,392 annually including full coverage. Comprehensive costs approximately $332, collision costs $512, and liability costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing around $2,982. Teenage drivers receive the highest rates at $5,092 a year or more.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Highlander trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $452 for basic liability insurance to a much higher rate of $2,982 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of 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.
Rate Comparisons
The chart below breaks down estimated Toyota Highlander insurance rates for additional coverage and risk scenarios.
- The best discount rate is $810
- Using higher $1,000 deductibles will save $194 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,392
- Using more expensive low deductibles for physical damage coverage will cost $1,760
- Drivers who are prone to accidents and violations could pay around $2,982 or more
- The cost with full coverage for a teen driver with full coverage can cost $5,092 or more
Car insurance rates for a Toyota Highlander can also vary considerably based on the trim level of your Highlander, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $570 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Highlander insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,990 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
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 Buy More Affordable Toyota Highlander Insurance
Saving money on car insurance requires having a good driving record, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The next list is a summary of the data that was illustrated above.
- You may be able to save around $170 per year simply by shopping early and online
- Policyholders who purchase increased levels of liability coverage will pay an extra $430 per year to increase from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance rates, as much as $424 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,590 more per year to buy Toyota Highlander insurance
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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