Toyota Highlander Insurance Rates

How much should I pay for a Toyota Highlander insurance plan? And are Toyota Highlanders expensive to insure? The average Toyota Highlander insurance rates are about $1,410 a year, or $117 a month.

Read or complete guide to learn what you can do to secure cheap car insurance rates for your Toyota Highlander.

Always review rates from multiple car insurance companies before you buy Toyota Highlander car insurance.

Can’t wait to start shopping for cheaper rates? Enter your five-digit ZIP code into our FREE quote comparison tool above to start finding the best Toyota Highlander insurance rates.

Estimated insurance prices for a Toyota Highlander are $1,382 every 12 months including full coverage. Comprehensive costs approximately $320 each year, collision insurance costs $506, and liability coverage costs $398. A policy with only liability insurance costs as little as $460 a year, and a high-risk policy costs around $2,970. Teenage drivers pay the most at up to $5,098 a year.

Average premium for full coverage: $1,382

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Highlander models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

These rate differences highlight why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down average Toyota Highlander insurance rates for additional coverage and risk scenarios.

• The best discount rate is $805
• Drivers who choose higher $1,000 deductibles will pay $188 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,382
• Using low deductibles for comprehensive and collision insurance increases the price to $1,744
• High-risk insureds who are prone to accidents and violations could pay around $2,970
• An auto insurance policy to insure a teenage driver can cost $5,098 a year

View Chart as Image

Car insurance prices for a Toyota Highlander also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Highlander.

Using high physical damage deductibles could save up to $550 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap Toyota Highlander Insurance

Finding better rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the concepts that were touched on above.

• Drivers that tend to have accidents or serious violations could be charged and average of $1,590 more per year than a safer driver
• Drivers age 16 to 20 pay the highest auto insurance prices, with the cost nearing $425 per month if the policy includes full coverage
• You may be able to save around $170 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save around $170 per year just by quoting online in advance

To recap, is Toyota Highlander expensive to insure? The average Toyota Highlander insurance cost is $1,410 a year, or $117 a month. How much should you pay for a 2020 Toyota Highlander? It starts at $34,600.

The cost to own a Toyota Highlander can be reduced by getting Toyota Highlander quotes. This is true whether you are looking for 2017 Toyota Highlander insurance rates or 2003 Toyota Highlander costs.

To find the average cost of your Toyota Highlander, enter your ZIP code in our free tool below. We’ll show you quotes from multiple Toyota Highlander car insurance companies in your area.

What are the safety ratings of the Toyota Highlander?

Safety features and ratings can affect the cost of your insurance. The Toyota Highlander has multiple safety features, such as multiple airbags, brake assist, traction control, lane departure warning, and more. Keep in mind that newer models will have more safety features, so the cost of a 2012 Toyota Highlander will be different than a 2020 model.

The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Toyota Highlander a 2020 Top Safety Pick award for its following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Watch the video below to see how the IIHS crash-tested the Toyota Highlander.

The National Highway Traffic Safety Administration performed various crash tests on different Toyota Highlander models. See the results of the Toyota Highlander crash tests in the table below.

Toyota Highlander Crash Test Ratings

A five-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed well. Newer models have slightly better crash test results than older Toyota Highlanders.

Toyota Highlander Compared Against Other Vehicles in the Same Class

The Toyota Highlander is a midsize SUV. The Insurance Institute for Highway Safety listed the Toyota Highlander’s liability losses as average and better than average among other midsize SUVs, which can mean lower liability rates.

See more details about the Toyota Highlander insurance loss probability in the table below.

Toyota Highlander Insurance Loss Probability

The lower the number, the better the insurance loss ratio. The Highlander has an average or better than average loss ratio in almost every category.

To see how the Toyota Highlander’s insurance rates compare to other midsize SUVs, take a look at the SUVs below.

• Buick Enclave
• Chevrolet Traverse
• Dodge Journey

Ready to jump into finding affordable Toyota Highlander auto insurance quotes? Simply enter your five-digit ZIP code into our FREE online quote tool to start comparing Toyota Highlander rates.

References

1. https://www.iihs.org/ratings/vehicle/toyota/highlander-4-door-suv/2020