Toyota Grand Highlander Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Grand Highlander are $1,714 every 12 months for full coverage. Comprehensive costs an estimated $404 each year, collision costs $780, and liability costs around $372. A liability-only policy costs as low as $438 a year, with high-risk insurance costing around $3,722. Teen 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:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Grand Highlander models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Grand Highlander go from the cheapest price of $438 for just liability insurance to a high rate of $3,722 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences show why all drivers should compare prices for a targeted area and their own driving history, instead of using 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 shows estimated Toyota Grand Highlander insurance rates for other coverage scenarios.
- The lowest rate with discounts is $963
- Using higher $1,000 deductibles will save approximately $268 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,714
- Choosing low deductibles for physical damage coverage increases the price to $2,240
- Drivers with multiple violations and an at-fault accident could pay up to $3,722 or more
- An auto insurance policy to insure a teen driver can cost as much as $6,170 or more
Auto insurance prices for a Toyota Grand Highlander also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $800 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $2,000 to $2,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Grand Highlander insurance prices. A driver around age 40 might see prices as low as $1,130 a year in states like Iowa, Maine, and Idaho, or as much as $2,450 on average in New York, Louisiana, 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.
| 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 Right Toyota Grand Highlander Insurance
Finding better rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.
The next list is a quick rundown of the information covered in the above illustrations.
- Drivers can save approximately $210 per year simply by quoting online in advance
- Drivers age 20 and younger are the costliest to insure, as much as $514 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $800 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,010 more annually to buy Toyota Grand Highlander insurance
- Policyholders who want increased levels of liability coverage will pay about $410 each year to increase from 30/60 bodily injury limits to a 250/500 level
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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