Toyota Grand Highlander Insurance Rates

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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 on average $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 around $3,722. Teenage drivers receive the highest rates at up to $6,170 a year.

Average premium for full coverage: $1,714

Rate estimates by individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist 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 the cheapest price of $438 for liability-only coverage to the much higher price of $3,722 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,714
High Risk $3,722

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,286
Small Cities $1,800
Large Cities $2,314

These examples illustrate why everyone should compare rates based on a specific location 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.

Additional Charts and Tables

The chart below illustrates average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.

  • The best discount rate is $963
  • Drivers who choose higher $1,000 deductibles will pay around $268 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,714
  • Using pricier low deductibles for comprehensive and collision insurance increases the price to $2,240
  • Drivers who are prone to accidents and violations could pay upwards of $3,722
  • The cost to insure a 16-year-old driver for full coverage may cost $6,170 a year

View Chart as Image

Toyota Grand Highlander insurance cost comparison chart
Column chart showing Toyota Grand Highlander insurance rates range from $963 to $6,170 for full coverage

Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Grand Highlander.

Using high physical damage deductibles could save up to $800 annually, whereas buying more liability protection will cost you more. 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

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards 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 at a minimum $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 a normal policy. View High Risk Driver Rates

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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,320 on average in Michigan, New York, and Florida.

Toyota Grand Highlander Insurance Rates by State
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%

View Chart as Image

Toyota Grand Highlander insurance rates by U.S. city
Toyota Grand Highlander Insurance Rates by Model Year
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 Shop for Cheaper Toyota Grand Highlander Insurance

Saving money on insurance for a Toyota Grand Highlander not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the coverage data covered in the above illustrations.

  • It is possible to save as much as $210 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $800 each year
  • Drivers age 20 and younger pay the highest rates, costing up to $514 per month if they have full coverage
  • Drivers considered higher risk with multiple at-fault accidents pay on average $2,010 more each year to buy Toyota Grand Highlander insurance

Rates by Driver Age

Toyota Grand Highlander Insurance 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

Toyota Grand Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,240
$250 $1,994
$500 $1,714
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Toyota Grand Highlander Insurance Rates with Different Liability Limits
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

Toyota Grand Highlander Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $963

Discounts are estimated and may not be available from every company or in every state.

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