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...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota Grand Highlander are $1,714 a year for full coverage. Comprehensive insurance costs on average $404, collision insurance costs $780, and liability coverage is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $3,722 or more. 16-year-old drivers receive the highest rates at up to $6,170 a year.

Average premium for full coverage: $1,714

Rate estimates by individual coverage type:

Comprehensive $404
Collision $780
Liability $372

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Grand Highlander trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $438 for a discount liability-only rate to a much higher rate of $3,722 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

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

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than 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.

Rates by State, City, and Model

The chart below shows average Toyota Grand Highlander insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $963
  • Raising to $1,000 deductibles will save around $268 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,714
  • Buying more expensive low deductibles will cost an additional $526 each year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,722
  • The cost that insures a teenage driver with full coverage may cost $6,170

View Chart as Image

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

Auto insurance rates for a Toyota Grand Highlander can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

Where you live also has a big influence on Toyota Grand Highlander insurance rates. A middle-age driver might find rates 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 can reduce rates by up to $800 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 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 $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 Best Cheap Toyota Grand Highlander Insurance

Saving money on auto insurance consists of being a good driver, maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Comparison shop at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the data illustrated above.

  • Consumers who require an increased level of liability coverage will pay around $410 each year to raise from a minimum limit to the 250/500 level
  • Drivers can save as much as $210 per year just by shopping early and online
  • Increasing deductibles can save approximately $800 each year
  • Drivers age 16 to 20 are charged the highest rates, costing as high as $514 per month if the policy includes full coverage

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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