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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Average auto insurance rates for a Toyota Grand Highlander are $1,714 annually including full coverage. Comprehensive insurance costs around $404, collision costs $780, and liability costs around $372. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $3,722 or more. 16-year-old drivers receive the highest rates at $6,170 a year or more.
Average premium for full coverage: $1,714
Rate estimates for individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Grand Highlander trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $438 for liability-only coverage to a much higher rate of $3,722 for a high-risk insurance policy.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using 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.
Additional Charts and Tables
The chart below breaks down estimated Toyota Grand Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $963
- Using higher $1,000 deductibles will save about $268 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,714
- Buying more expensive low deductibles for physical damage coverage costs an additional $526 every year
- Drivers with multiple tickets or accidents could pay at least $3,722 or more
- The cost with full coverage for a teen driver with full coverage can be $6,170 or more
Car insurance rates for a Toyota Grand Highlander can also vary considerably based on the trim level of your Grand Highlander, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $800 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see rates as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 the Best Toyota Grand Highlander Insurance
Saving money on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a brief recap of the car insurance concepts touched on in this article.
- Higher risk drivers who tend to receive serious violations may pay on average $2,010 more every year to insure their Grand Highlander
- You may be able to save up to $210 per year simply by shopping early and online
- Increasing deductibles could save up to $800 each year
- Policyholders who may need more liability coverage will pay around $410 per year to increase from a minimum limit to higher 250/500 limits
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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