Toyota Grand Highlander Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive insurance costs approximately $404 each year, collision insurance costs $780, and liability insurance costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $3,722 or more. Teenage drivers pay the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Price estimates by individual coverage:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Grand Highlander models.
Price Range from Low to High
For a driver around age 40, Toyota Grand Highlander insurance prices range from the low end price of $438 for just liability insurance to a high rate of $3,722 for a policy for a high-risk driver.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above show why all drivers should compare rates using their specific location, rather than relying on 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.
More Rate Details
The chart below shows average Toyota Grand Highlander insurance rates for additional coverage and risk scenarios.
- The best discount rate is $963
- Drivers who choose higher $1,000 deductibles will pay $268 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,714
- Using low deductibles for comprehensive and collision insurance will cost an additional $526 a year
- High risk drivers who are prone to accidents and violations could pay around $3,722
- The price that insures a teen driver can cost $6,170 a year
Car insurance prices for a Toyota Grand Highlander are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $6,100 a year. View Rates by Age
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 $1,130 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,450 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $800 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Grand Highlander | $384 | $750 | $390 | $1,682 |
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 Find Low Cost Toyota Grand Highlander Insurance
Getting lower rates on Toyota Grand Highlander insurance not only requires having a good driving record, but also having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare prices every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The next list is a review of the coverage data covered above.
- Drivers can save around $210 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $800 each year
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $514 a month if full coverage is purchased
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $2,010 more per year to buy Toyota Grand Highlander insurance
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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