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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Estimated auto insurance rates for a Toyota Grand Highlander are $1,714 annually with full coverage. Comprehensive insurance costs on average $404, collision insurance costs $780, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $3,722 or more. Teenage drivers pay the most at up to $6,170 a year.
Average premium for full coverage: $1,714
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Grand Highlander trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Grand Highlander range from as cheap as $438 for the bare minimum liability coverage to a much higher rate of $3,722 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below details average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The best discount rate is $963
- Using higher $1,000 deductibles will save around $268 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,714
- Using more expensive low deductibles for physical damage coverage costs an additional $526 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,722
- An auto insurance policy with full coverage for a teenage driver with full coverage may cost $6,170 or more
Auto insurance prices for a Toyota Grand Highlander also have a wide range based on the model of your Grand Highlander, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $2,000 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $800 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Toyota Grand Highlander insurance rates. A driver around age 40 might see prices as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,320 on average in Florida, Michigan, and New York.
| 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 Cheaper Toyota Grand Highlander Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop once a year by getting quotes from direct companies, and also from local independent and exclusive agents.
The following is a condensed summary of the data that was touched on in the above illustrations.
- You may be able to save as much as $210 per year just by shopping early and online
- Consumers who require higher liability limits will pay an extra $410 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Teens are charged the highest prices, possibly costing $514 per month if full coverage is included
- Drivers with multiple at-fault accidents pay an average of $2,010 more each year for 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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