Toyota Grand Highlander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Grand Highlander are $1,714 every 12 months for full coverage. Comprehensive insurance costs on average $404 each year, collision insurance costs $780, and liability costs around $372. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs $3,722 or more. 16-year-old drivers pay the most at up to $6,170 a year.
Average premium for full coverage: $1,714
Premium estimates by type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Grand Highlander models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Grand Highlander range from the cheapest price of $438 for just liability insurance to a high rate of $3,722 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location and their own driving history, instead of using rate averages.
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.
More Rate Details
The chart below shows average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $963
- Using higher $1,000 deductibles will save around $268 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,714
- Buying low deductibles for physical damage coverage costs an extra $526 every year
- Drivers with multiple tickets or accidents could pay upwards of $3,722
- An auto insurance policy to insure a teen driver may cost $6,170 or more
Car insurance prices for a Toyota Grand Highlander also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Grand Highlander.
Opting for high physical damage deductibles could cut prices by as much as $800 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see prices as low as $1,130 a year in states like Idaho, Maine, and Iowa, or at least $2,450 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$164 | -9.6% |
| Alaska | $1,316 | -$398 | -23.2% |
| Arizona | $1,424 | -$290 | -16.9% |
| Arkansas | $1,714 | -$0 | 0.0% |
| California | $1,954 | $240 | 14.0% |
| Colorado | $1,640 | -$74 | -4.3% |
| Connecticut | $1,762 | $48 | 2.8% |
| Delaware | $1,942 | $228 | 13.3% |
| Florida | $2,146 | $432 | 25.2% |
| Georgia | $1,584 | -$130 | -7.6% |
| Hawaii | $1,232 | -$482 | -28.1% |
| Idaho | $1,162 | -$552 | -32.2% |
| Illinois | $1,278 | -$436 | -25.4% |
| Indiana | $1,290 | -$424 | -24.7% |
| Iowa | $1,158 | -$556 | -32.4% |
| Kansas | $1,632 | -$82 | -4.8% |
| Kentucky | $2,340 | $626 | 36.5% |
| Louisiana | $2,540 | $826 | 48.2% |
| Maine | $1,060 | -$654 | -38.2% |
| Maryland | $1,416 | -$298 | -17.4% |
| Massachusetts | $1,372 | -$342 | -20.0% |
| Michigan | $2,980 | $1,266 | 73.9% |
| Minnesota | $1,436 | -$278 | -16.2% |
| Mississippi | $2,056 | $342 | 20.0% |
| Missouri | $1,522 | -$192 | -11.2% |
| Montana | $1,844 | $130 | 7.6% |
| Nebraska | $1,354 | -$360 | -21.0% |
| Nevada | $2,056 | $342 | 20.0% |
| New Hampshire | $1,234 | -$480 | -28.0% |
| New Jersey | $1,918 | $204 | 11.9% |
| New Mexico | $1,520 | -$194 | -11.3% |
| New York | $1,808 | $94 | 5.5% |
| North Carolina | $988 | -$726 | -42.4% |
| North Dakota | $1,404 | -$310 | -18.1% |
| Ohio | $1,182 | -$532 | -31.0% |
| Oklahoma | $1,762 | $48 | 2.8% |
| Oregon | $1,572 | -$142 | -8.3% |
| Pennsylvania | $1,638 | -$76 | -4.4% |
| Rhode Island | $2,288 | $574 | 33.5% |
| South Carolina | $1,556 | -$158 | -9.2% |
| South Dakota | $1,446 | -$268 | -15.6% |
| Tennessee | $1,504 | -$210 | -12.3% |
| Texas | $2,066 | $352 | 20.5% |
| Utah | $1,270 | -$444 | -25.9% |
| Vermont | $1,174 | -$540 | -31.5% |
| Virginia | $1,028 | -$686 | -40.0% |
| Washington | $1,326 | -$388 | -22.6% |
| West Virginia | $1,572 | -$142 | -8.3% |
| Wisconsin | $1,188 | -$526 | -30.7% |
| Wyoming | $1,530 | -$184 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Grand Highlander | $370 | $744 | $398 | $1,670 |
Rates are averaged for all Toyota Grand 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 Shop for the Cheapest Toyota Grand Highlander Insurance
Finding better rates on car insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The items below are a recap of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers that have major violations or accidents pay an average of $2,010 more each year to insure their Grand Highlander
- Drivers can save as much as $210 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $800 each year
- Policyholders who require more liability coverage will pay around $410 each year to increase from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,170 |
| 20 | $3,972 |
| 30 | $1,808 |
| 40 | $1,714 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,240 |
| $250 | $1,994 |
| $500 | $1,714 |
| $1,000 | $1,446 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,714 |
| 50/100 | $1,788 |
| 100/300 | $1,881 |
| 250/500 | $2,123 |
| 100 CSL | $1,826 |
| 300 CSL | $2,030 |
| 500 CSL | $2,179 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,860 |
| 20 | $6,316 |
| 30 | $3,824 |
| 40 | $3,722 |
| 50 | $3,548 |
| 60 | $3,518 |
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 | $93 |
| Multi-vehicle | $88 |
| Homeowner | $23 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $86 |
| Advance Quote | $89 |
| Online Quote | $124 |
| Total Discounts | $751 |
Discounts are estimated and may not be available from every company or in every state.
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