Toyota Grand Highlander Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage insurance. Comprehensive insurance costs an estimated $404, collision costs $780, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $3,722 or more. Teen drivers receive the highest rates at $6,170 a year or more.

Average premium for full coverage: $1,714

Rate estimates broken down by individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Grand Highlander models.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $438 for your basic liability-only policy to the much higher price of $3,722 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,714
High Risk $3,722

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,286
Small Cities $1,800
Large Cities $2,314

These examples illustrate why everyone should compare rates for a targeted area and risk profile, rather than 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 Information

The chart below illustrates estimated Toyota Grand Highlander insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $963
  • Drivers who choose higher $1,000 deductibles will pay approximately $268 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,714
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $526 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,722 or more
  • The cost for full coverage for a teenage driver for full coverage can cost as much as $6,170 a year

View Chart as Image

Toyota Grand Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Grand Highlander insurance prices range from $963 to $6,170

Insurance rates for a Toyota Grand Highlander can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may only pay around $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age

Where you live makes a big difference in Toyota Grand Highlander insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,320 on average in Florida, New York, and Michigan.

Toyota Grand Highlander Insurance Rates by State
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%

View Chart as Image

Toyota Grand Highlander insurance rates by U.S. city

Choosing high deductibles could save up to $800 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $2,000 to $2,700 extra per year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers can cost around 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

Toyota Grand Highlander Insurance Rates by Model Year
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 Find the Right Toyota Grand Highlander Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

  • Teen drivers are charged the highest rates, costing up to $514 per month for full coverage
  • Drivers with reckless driving or DUI convictions pay on average $2,010 more annually to insure their Grand Highlander
  • Increasing deductibles can save around $800 each year
  • It is possible to save approximately $210 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Toyota Grand Highlander Insurance 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

Toyota Grand Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,240
$250 $1,994
$500 $1,714
$1,000 $1,446

Full coverage, driver age 40

Rates by Liability Limit

Toyota Grand Highlander Insurance Rates with Different Liability Limits
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

Toyota Grand Highlander Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $963

Discounts are estimated and may not be available from every company or in every state.

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