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 insurance. Comprehensive insurance costs an estimated $404, collision insurance costs $780, and liability costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $3,722 or more. Teen drivers receive the highest rates at up to $6,170 a year.
Average premium for full coverage: $1,714
Rate estimates broken down by individual coverage type:
These estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Grand Highlander models.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $438 for a discount liability-only rate to the much higher price of $3,722 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.
These examples illustrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates average Toyota Grand Highlander insurance rates for other coverage scenarios.
- The lowest rate with discounts is $963
- Drivers who choose higher $1,000 deductibles will pay approximately $268 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,714
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $526 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,722
- The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $6,170 a year
Insurance rates for a Toyota Grand Highlander can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age
Where you live makes a big difference in Toyota Grand Highlander insurance prices. 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% |
Choosing high deductibles could save up to $800 annually, whereas buying more liability protection will increase premiums. Switching 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 are probably paying $2,000 to $2,700 extra per year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers can cost from 44% to 130% more than average. View High Risk Driver Rates
| 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 Find Cheap Toyota Grand Highlander Insurance
Saving money on insurance for a Toyota Grand Highlander not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $2,010 more annually to buy Toyota Grand Highlander insurance
- It is possible to save approximately $210 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $800 each year
- Insureds who want increased levels of liability coverage will pay about $410 annually to go from a minimum limit to 250/500 limits
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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