Toyota Grand Highlander Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive costs around $404, collision insurance costs $780, and liability costs around $372. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs around $3,722. 16-year-old drivers pay the highest rates at up to $6,170 a year.

Average premium for full coverage: $1,714

Price estimates for individual coverage:

Comprehensive $404
Collision $780
Liability $372

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Grand Highlander models.

Price Range from Low to High

For a driver in their 40's, Toyota Grand Highlander insurance prices range from the low end price of $438 for just the minimum liability insurance 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

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The example below illustrates how location helps determine auto insurance rates.

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

The ranges above show why everyone should compare prices for a specific zip code, 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 Rate Analysis

The chart below shows average 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 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,714
  • Buying pricier low deductibles for physical damage coverage bumps up the cost to $2,240
  • Drivers with multiple tickets or accidents could pay at least $3,722
  • The price that insures a teen driver for full coverage can be $6,170 or more

View Chart as Image

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

Insurance prices for a Toyota Grand Highlander are also quite variable based on the model of your Grand Highlander, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $2,000 to $2,700 extra each year, depending on your age. Toyota Grand Highlander insurance for high-risk drivers can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

The state you live in 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 Idaho, Maine, and Iowa, or at least $2,450 on average in Michigan, Louisiana, and New York.

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

Opting for high physical damage deductibles could cut prices by as much as $800 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

Toyota Grand Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Grand Highlander $404 $780 $372 $1,714

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 Low Cost Toyota Grand Highlander Insurance

Getting lower rates on car insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every other policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

The following list is a review of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 pay higher prices, with premiums as much as $514 a month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations pay on average $2,010 more every year than a safer driver
  • Increasing physical damage deductibles can save approximately $800 each year
  • Drivers can save up to $210 per year just 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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