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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U.S. average insurance prices for a Toyota Grand Highlander are $1,714 every 12 months including full coverage. Comprehensive insurance costs around $404 a year, collision costs $780, and liability insurance costs $372. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $3,722 or more. 16-year-old drivers pay the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Price estimates for individual coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Grand Highlander trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Grand Highlander insurance prices go from the cheapest price of $438 for basic liability insurance to a high of $3,722 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how where you live affects auto insurance rates.
The ranges above highlight why it is important to compare rates for a specific zip code and their own driving history, rather than relying on 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.
Rate Comparisons
The chart below breaks down estimated Toyota Grand Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $963
- Drivers who choose higher $1,000 deductibles will pay about $1,446 every year
- The average price for the average middle-age driver using $500 deductibles is $1,714
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $526 a year
- High risk drivers with multiple tickets or accidents could pay at least $3,722 or more
- The price to insure a teen driver can be $6,170 a year
Insurance prices for a Toyota Grand Highlander are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $800 each year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,700 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different.
| 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 Right Toyota Grand Highlander Insurance
Getting lower rates on Toyota Grand Highlander insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick rundown of the data touched on in the above illustrations.
- Drivers who may need more liability protection will pay around $410 per year to go from a low limit to a 250/500 level
- You may be able to save up to $210 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $800 each year
- Youthful drivers are charged the highest prices, possibly costing $514 a month if full coverage is included
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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