Toyota Grand Highlander Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Grand Highlander are $1,714 every 12 months including full coverage. Comprehensive costs an estimated $404 each year, collision insurance costs $780, and liability coverage costs $372. A policy with only liability insurance costs as little as $438 a year, and a high-risk policy costs around $3,722. Teens pay the most at up to $6,170 a year.
Average premium for full coverage: $1,714
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Grand Highlander models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Grand Highlander range from the cheapest price of $438 for basic liability insurance to a high rate of $3,722 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on insurance prices.
These rate differences highlight why all drivers should compare rates for a targeted area and their own driving history, rather than using averaged prices.
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.
Rate Comparisons
The chart below breaks down average Toyota Grand Highlander insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $963
- Drivers who choose higher $1,000 deductibles will pay approximately $268 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,714
- Selecting low deductibles for comprehensive and collision insurance increases the price to $2,240
- High-risk insureds with serious driving violations could pay up to $3,722
- An auto insurance policy to insure a teenage driver can cost as much as $6,170 a year
Car insurance prices for a Toyota Grand Highlander also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $800 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,450 on average in Louisiana, 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% |
| 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 the Best Cheap Toyota Grand Highlander Insurance
Finding better rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Make time to compare rates once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.
Below is a quick review of the data that was touched on in this article.
- You may be able to save approximately $210 per year just by quoting online in advance
- Consumers who want higher levels of liability will pay approximately $410 per year to go from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers have the highest car insurance prices, with the cost nearing $514 per month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation may have to pay on average $2,010 more annually for auto 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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