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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Average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive costs on average $404 each year, collision costs $780, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, with high-risk insurance costing around $3,722. 16-year-old drivers receive the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Grand Highlander models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $438 for liability-only coverage to a high rate of $3,722 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.
The graphic below illustrates how where you live affects car insurance rates.
These examples show why all drivers should compare prices based on a specific location and risk profile, rather than 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.
Additional Charts and Tables
The chart below shows estimated 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 rate for a 40-year-old driver with $500 deductibles is $1,714
- Buying low deductibles for physical damage coverage will increase the cost to $2,240
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,722 or more
- The cost for full coverage for a teenage driver may cost $6,170 or more
Insurance rates for a Toyota Grand Highlander can also vary considerably based on your driver profile, the trim level of your Grand Highlander, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age
Where you live has a huge impact on Toyota Grand Highlander insurance rates. A driver around age 40 might see rates 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% |
Opting for high physical damage deductibles could cut rates by as much as $800 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| 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 Find Affordable Toyota Grand Highlander Insurance
Saving money on auto insurance requires avoiding accidents and violations, maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to comparison shop at least once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The list below is a brief review of the primary concepts that were touched on in the above illustrations.
- Drivers can save as much as $210 per year simply by quoting online in advance
- Drivers with DUI or reckless driving convictions will pay on average $2,010 more each year for car insurance
- Increasing deductibles can save around $800 each year
- Teenagers pay the highest rates, costing as high as $514 per month for full coverage
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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