Toyota Grand Highlander Insurance Rates

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:

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

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.

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.

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

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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.

View Chart as Image

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

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