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. 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:
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.
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.
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
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.
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% |
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
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
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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