Toyota Grand Highlander Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Grand Highlander are $1,714 annually for full coverage. Comprehensive insurance costs an estimated $404, collision insurance costs $780, and liability coverage is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $3,722 or more. 16-year-old drivers pay the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Price estimates broken down by individual coverage:
Includes $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Grand Highlander models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Grand Highlander insurance prices range from as cheap as $438 for basic liability insurance to the much higher price of $3,722 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations have fewer accident claims than congested cities. The example below illustrates the difference location can make on insurance prices.
The ranges above show why everyone should compare rates quotes for a targeted area and their own personal driving habits, 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.
Rate Comparisons
The chart below shows average Toyota Grand Highlander insurance rates for other coverage scenarios.
- The best full coverage rate is $963
- Raising to $1,000 deductibles will save approximately $268 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,714
- Buying pricier low deductibles costs an additional $526 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,722
- The price with full coverage for a teenage driver for full coverage can cost as much as $6,170
Insurance prices for a Toyota Grand Highlander are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $6,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $2,000 to $2,700 additional each year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $800 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find prices as low as $1,130 a year in states like Iowa, Maine, and Idaho, or at least $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% |
| 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 Buy the Cheapest Toyota Grand Highlander Insurance
Getting lower rates on auto insurance consists of having a good driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a recap of the data that was touched on in this article.
- Drivers can save approximately $210 per year just by quoting online well ahead of the renewal date
- Consumers who want increased levels of liability coverage will pay around $410 each year to raise from a low limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums as much as $514 a month if they have full coverage
- Drivers that have major violations or accidents may pay on average $2,010 more annually 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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