Toyota Grand Highlander Insurance Rates

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Lower Your 2024 Toyota Grand Highlander Insurance Quotes

Looking for lower insurance coverage rates? Shoppers have options when shopping for the lowest priced Toyota Grand Highlander insurance. They can either waste time calling around trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to buy insurance coverage and we'll show you the proper way to compare rates on a Toyota and get the best price possible...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Toyota Grand Highlander are $1,714 every 12 months with full coverage. Comprehensive costs an estimated $404, collision costs $780, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $3,722. Teenage drivers pay the highest rates at $6,170 a year or more.

Average premium for full coverage: $1,714

Price estimates broken down by individual coverage:

Comprehensive $404
Collision $780
Liability $372

Rates are based on $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Grand Highlander models.

Price Range from Low to High

For an average driver, Toyota Grand Highlander insurance prices go from the cheapest price of $438 for a discount liability-only rate to the much higher price of $3,722 for high-risk insurance.

Liability Only $438
Full Coverage $1,714
High Risk $3,722

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,286
Small Cities $1,800
Large Cities $2,314

The ranges above demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than using 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.

Rates by State, City, and Model

The chart below details estimated Toyota Grand Highlander insurance rates for other coverage scenarios.

  • The best discount rate is $963
  • Drivers who choose higher $1,000 deductibles will pay approximately $268 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,714
  • Using pricier low deductibles for comprehensive and collision insurance increases the price to $2,240
  • High-risk insureds who are prone to accidents and violations could pay up to $3,722 or more
  • The price to insure a teenage driver for full coverage can cost as much as $6,170 a year

View Chart as Image

Toyota Grand Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Grand Highlander insurance rates range from $963 to $6,170

Auto insurance prices for a Toyota Grand Highlander are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $800 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $2,000 to $2,700 in extra premium each year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. 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 $1,230 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,320 on average in New York, Michigan, and Florida.

Toyota Grand Highlander Insurance Rates by State
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%

View Chart as Image

Toyota Grand Highlander insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different.

Toyota Grand Highlander Insurance Rates by Model Year
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 Shop for the Best Cheap Toyota Grand Highlander Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick review of the material that was covered in the above illustrations.

  • Consumers who want increased levels of liability coverage will pay an extra $410 every year to go from a low limit to a 250/500 level
  • Drivers age 20 and younger are the costliest to insure, costing up to $514 a month if comprehensive and collision insurance is included
  • Drivers with a DUI or reckless driving violation may pay on average $2,010 more annually to buy Toyota Grand Highlander insurance
  • Increasing physical damage deductibles could save as much as $800 each year

Rates by Driver Age

Toyota Grand Highlander Insurance 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

Toyota Grand Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,240
$250 $1,994
$500 $1,714
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Toyota Grand Highlander Insurance Rates with Different Liability Limits
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

Toyota Grand Highlander Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $963

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

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