Toyota Grand Highlander Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive costs an estimated $404 each year, collision costs $780, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $3,722. 16-year-old drivers pay the most at $6,170 a year or more.
Average premium for full coverage: $1,714
Premium estimates broken down by type of coverage:
Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Grand Highlander models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Grand Highlander go from the low end price of $438 for just liability insurance to a high rate of $3,722 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area, instead of making a decision based on rate 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.
More Rate Details
The chart below illustrates estimated Toyota Grand Highlander insurance rates for other coverage scenarios.
- The best full coverage rate is $963
- Choosing higher $1,000 deductibles can save approximately $268 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,714
- Buying low deductibles for comp and collision coverage bumps up the cost to $2,240
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,722 or more
- An auto insurance policy that insures a 16-year-old driver can cost as much as $6,170 each year
Insurance prices for a Toyota Grand Highlander also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $2,000 to $2,700 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota Grand Highlander insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
Opting for high physical damage deductibles can save as much as $800 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Grand Highlander | $404 | $780 | $372 | $1,714 |
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 the Best Toyota Grand Highlander Insurance
Finding better rates on insurance for a Toyota Grand Highlander takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at every other renewal by getting quotes from direct insurance companies, and also from local insurance agencies.
Below is a brief recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $2,010 more annually for auto insurance
- Teenage drivers are expensive to insure, with premiums being up to $514 per month if comprehensive and collision insurance is included
- It is possible to save approximately $210 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $800 each year
- It is possible to save approximately $210 per year simply by quoting online in advance
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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