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. Comprehensive insurance costs an estimated $404 each year, collision costs $780, and liability costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing $3,722 or more. Teenage drivers receive the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Grand Highlander models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $438 for your basic liability-only policy to a high rate of $3,722 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how geographic area affects insurance prices.
These examples show why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based 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 Information
The chart below shows estimated Toyota Grand Highlander insurance rates for other coverage scenarios.
- The best discount rate is $963
- Using higher $1,000 deductibles will save approximately $268 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,714
- Using low deductibles for physical damage coverage costs an extra $526 annually
- High-risk insureds who are prone to accidents and violations could pay up to $3,722 or more
- The cost to insure a 16-year-old driver can cost as much as $6,170 or more
Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $800 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $2,000 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see rates 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% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and 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 Cheaper Toyota Grand Highlander Insurance
Saving money on insurance for a Toyota Grand Highlander requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the information presented in the illustrations above.
- Drivers can save approximately $210 per year simply by quoting online in advance
- Youthful drivers are expensive to insure, costing as high as $514 per month if full coverage is included
- Increasing deductibles could save as much as $800 each year
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,010 more annually than a low-risk driver
- Insureds who want more liability protection will pay an extra $410 each year to increase from a minimum limit to a 250/500 level
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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