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Toyota Highlander SE 2WD Insurance Rates

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Average insurance rates for a Toyota Highlander SE 2WD are $1,384 a year with full coverage. Comprehensive costs on average $354 a year, collision costs $508, and liability costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing around $2,950. Teen drivers receive the highest rates at $4,990 a year or more.

Annual premium for full coverage: $1,384

Rate estimates by individual coverage type:

Comprehensive $354
Collision $508
Liability $364

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

Price Range for Insurance for this Toyota Highlander Trim Level

For an average driver, prices go from as low as $430 for a discount liability-only rate to a high of $2,950 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,384
High Risk $2,950

Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Car insurance rates for a Toyota Highlander SE 2WD can also vary considerably based on your driver profile, the actual cash value of your Highlander, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age

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

Choosing high deductibles could save up to $580 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Toyota Highlander SE 2WD insurance cost comparison chart
Column chart showing Toyota Highlander SE 2WD insurance prices range from $810 to $4,990 for full coverage

The chart above shows Toyota Highlander SE 2WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $810. Drivers who choose higher $1,000 deductibles will pay around $1,188. The average rate for a 40-year-old male driver using $500 deductibles is $1,384. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,760. High risk drivers could be charged as much as $2,950. The cost for full coverage insurance for a teen driver is $4,990.

Toyota Highlander SE 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,252 -$132 -9.5%
Alaska $1,062 -$322 -23.3%
Arizona $1,150 -$234 -16.9%
Arkansas $1,384 -$0 0.0%
California $1,578 $194 14.0%
Colorado $1,324 -$60 -4.3%
Connecticut $1,424 $40 2.9%
Delaware $1,566 $182 13.2%
Florida $1,732 $348 25.1%
Georgia $1,280 -$104 -7.5%
Hawaii $994 -$390 -28.2%
Idaho $936 -$448 -32.4%
Illinois $1,030 -$354 -25.6%
Indiana $1,044 -$340 -24.6%
Iowa $936 -$448 -32.4%
Kansas $1,316 -$68 -4.9%
Kentucky $1,890 $506 36.6%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,142 -$242 -17.5%
Massachusetts $1,108 -$276 -19.9%
Michigan $2,406 $1,022 73.8%
Minnesota $1,158 -$226 -16.3%
Mississippi $1,658 $274 19.8%
Missouri $1,228 -$156 -11.3%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,660 $276 19.9%
New Hampshire $998 -$386 -27.9%
New Jersey $1,548 $164 11.8%
New Mexico $1,226 -$158 -11.4%
New York $1,460 $76 5.5%
North Carolina $798 -$586 -42.3%
North Dakota $1,134 -$250 -18.1%
Ohio $954 -$430 -31.1%
Oklahoma $1,424 $40 2.9%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,168 -$216 -15.6%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,026 -$358 -25.9%
Vermont $948 -$436 -31.5%
Virginia $828 -$556 -40.2%
Washington $1,070 -$314 -22.7%
West Virginia $1,268 -$116 -8.4%
Wisconsin $960 -$424 -30.6%
Wyoming $1,234 -$150 -10.8%

View Chart as Image

Toyota Highlander SE 2WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Highlander SE 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,990
20 $3,126
30 $1,448
40 $1,384
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander SE 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,760
$250 $1,588
$500 $1,384
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander SE 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,457
100/300 $1,548
250/500 $1,784
100 CSL $1,493
300 CSL $1,693
500 CSL $1,839

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander SE 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,114
20 $4,956
30 $3,020
40 $2,950
50 $2,810
60 $2,780

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.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $66
Online Quote $98
Total Discounts $574
Rate after discounts $810

Discounts are estimated and may not be available from every company or in every state.

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