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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The average insurance rates for a Toyota Grand Highlander are $1,714 a year with full coverage. Comprehensive insurance costs on average $404, collision costs $780, and liability is $372. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $3,722 or more. Teen drivers cost the most to insure at $6,170 a year or more.
Average premium for full coverage: $1,714
Policy rates by type of insurance:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Grand Highlander trim levels.
Price Range Variability
For a driver in their 40's, Toyota Grand Highlander insurance rates go from as low as $438 for just liability insurance to a much higher rate of $3,722 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based 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.
More Rate Details
The chart below details estimated Toyota Grand Highlander insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $963
- Raising to $1,000 deductibles will save around $268 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,714
- Choosing more expensive low deductibles will cost an extra $526 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,722 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage may cost $6,170
Insurance rates for a Toyota Grand Highlander also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age
Your home state also has a big influence on Toyota Grand Highlander insurance prices. A middle-age driver might find rates as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,320 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can reduce rates by up to $800 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $2,000 to $2,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 Find Affordable Toyota Grand Highlander Insurance
Finding cheaper rates on insurance for a Toyota Grand Highlander consists of being a safe and courteous driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Invest time comparing rates once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below is a brief review of the data that was covered in the charts and tables above.
- You may be able to save as much as $210 per year simply by shopping early and online
- Insureds who require higher levels of liability will pay about $410 every year to raise from a 30/60 limit to 250/500 limits
- Teenage drivers pay the highest rates, as much as $514 each month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $2,010 more each year 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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