Toyota Grand Highlander Insurance Rates
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Michelle Robbins
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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...
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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 with full coverage. Comprehensive insurance costs approximately $404 a year, collision insurance costs $780, and liability insurance is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers 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 by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Grand Highlander trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $438 for basic liability insurance to a high of $3,722 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why it is important to compare rates quotes using their specific location and their own driving history, rather than relying 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.
Rate Comparisons
The chart below details average Toyota Grand Highlander insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $963
- Raising to $1,000 deductibles will save $1,446 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,714
- Choosing low $100 deductibles costs an extra $526 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,722
- The cost to insure a teen driver can cost $6,170
Insurance rates for a Toyota Grand Highlander can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Grand Highlander.
Choosing high deductibles can reduce rates by up to $800 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
Where you live also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find rates as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,320 on average in New York, Michigan, and Florida.
| 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 Shop for More Affordable Toyota Grand Highlander Insurance
Saving money on Toyota Grand Highlander insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the material that was raised in the charts and tables above.
- Drivers who purchase additional liability coverage will pay about $410 every year to raise from a minimum limit to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $514 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $2,010 more per year than a driver with a clean driving record
- Increasing deductibles could save as much as $800 each year
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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