Toyota Highlander 2WD Insurance Rates

Average insurance prices for a Toyota Highlander 2WD are $1,280 every 12 months with full coverage. Comprehensive costs an estimated $312, collision insurance costs $446, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,724. Teenage drivers receive the highest rates at up to $4,680 a year.

Annual premium for full coverage: $1,280

Rate estimates broken down by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Highlander Trim Level

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Toyota Highlander 2WD can also vary considerably based on policy deductibles and limits, your driving record, and the model year.

Using high physical damage deductibles could save up to $500 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Toyota Highlander 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different.

View Chart as Image

The chart above shows Toyota Highlander 2WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $756. Drivers who use higher $1,000 deductibles will pay $1,108. The average rate for a driver around age 40 using $500 deductibles is $1,280. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,608. Drivers with multiple violations and accidents could be charged as much as $2,724. The price for full coverage insurance for a teenage driver is $4,680.

View Chart as Image