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 prices for a Toyota Grand Highlander are $1,714 every 12 months for full coverage insurance. Comprehensive costs approximately $404 each year, collision costs $780, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing around $3,722. Teen 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:
Full coverage includes $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Grand Highlander models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $438 for just liability coverage to a high rate of $3,722 for high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on price 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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Grand Highlander insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $963
- Drivers who choose higher $1,000 deductibles will pay $268 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,714
- Choosing low deductibles for comprehensive and collision insurance increases the price to $2,240
- High risk drivers with multiple violations and an at-fault accident could pay around $3,722 or more
- The cost to insure a teen driver can cost $6,170 a year
Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Grand Highlander.
Choosing high deductibles could save up to $800 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
Where you live makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,320 on average in Florida, New York, 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly 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 More Affordable Toyota Grand Highlander Insurance
Saving money on Toyota Grand Highlander insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following is a summary of the material that was raised in the charts and tables above.
- Drivers who purchase higher liability limits will pay about $410 annually to go from a minimum limit to a 250/500 level
- Teens are expensive to insure, costing up to $514 per month if they have full coverage
- High-risk drivers who have multiple accidents or major violations may have to pay on average $2,010 more per year for Grand Highlander insurance
- Increasing deductibles could save as much as $800 each year
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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