Toyota Highlander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 17, 2024
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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.
Average auto insurance rates for a Toyota Highlander are $1,382 annually for full coverage. Comprehensive insurance costs an estimated $320 each year, collision costs $506, and liability coverage is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing $2,970 or more. Teenage drivers receive the highest rates at $5,098 a year or more.
Average premium for full coverage: $1,382
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Highlander models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $460 for just liability coverage to a high rate of $2,970 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.
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.
Detailed Rate Analysis
The chart below shows estimated Toyota Highlander insurance rates for other coverage scenarios.
- The best discount rate is $805
- Raising to $1,000 deductibles will save approximately $188 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,382
- Using low deductibles costs an additional $362 each year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,970 or more
- The cost with full coverage for a teenage driver can cost as much as $5,098
Auto insurance rates for a Toyota Highlander can also vary considerably based on the trim level of your Highlander, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $550 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Highlander insurance rates. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,060 | -$322 | -23.3% |
| Arizona | $1,146 | -$236 | -17.1% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,576 | $194 | 14.0% |
| Colorado | $1,320 | -$62 | -4.5% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,566 | $184 | 13.3% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $994 | -$388 | -28.1% |
| Idaho | $936 | -$446 | -32.3% |
| Illinois | $1,032 | -$350 | -25.3% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,888 | $506 | 36.6% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,108 | -$274 | -19.8% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,158 | -$224 | -16.2% |
| Mississippi | $1,658 | $276 | 20.0% |
| Missouri | $1,228 | -$154 | -11.1% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,092 | -$290 | -21.0% |
| Nevada | $1,658 | $276 | 20.0% |
| New Hampshire | $998 | -$384 | -27.8% |
| New Jersey | $1,546 | $164 | 11.9% |
| New Mexico | $1,226 | -$156 | -11.3% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,132 | -$250 | -18.1% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,422 | $40 | 2.9% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$62 | -4.5% |
| Rhode Island | $1,846 | $464 | 33.6% |
| South Carolina | $1,256 | -$126 | -9.1% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,212 | -$170 | -12.3% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,256 | $105 |
| Toyota Highlander 4WD | $1,310 | $109 |
| Toyota Highlander SE 2WD | $1,354 | $113 |
| Toyota Highlander Sport 2WD | $1,354 | $113 |
| Toyota Highlander Sport 4WD | $1,354 | $113 |
| Toyota Highlander Limited 2WD | $1,424 | $119 |
| Toyota Highlander Limited 4WD | $1,424 | $119 |
| Toyota Highlander SE 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid 4WD | $1,424 | $119 |
| Toyota Highlander Hybrid Limited 4WD | $1,508 | $126 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Highlander | $332 | $512 | $390 | $1,392 |
| 2023 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2022 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2021 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2020 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2019 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2018 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2017 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2016 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2015 Toyota Highlander | $224 | $310 | $464 | $1,156 |
| 2010 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2009 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2008 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2007 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2006 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2005 Toyota Highlander | $144 | $152 | $442 | $896 |
Rates are averaged for all Toyota 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 Buy Affordable Toyota Highlander Insurance
Saving money on auto insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief review of the ideas that were touched on above.
- Drivers age 16 to 20 are the costliest to insure, costing as high as $425 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,590 more annually than a safer driver
- Increasing deductibles could save up to $550 each year
- Drivers can save approximately $170 per year simply 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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Highlander Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota Highlander HV SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -17% |
| Property Damage | -11% |
| Comprehensive | -8% |
| Personal Injury | -11% |
| Medical Payment | -18% |
| Bodily Injury | -17% |
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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,098 |
| 20 | $3,160 |
| 30 | $1,444 |
| 40 | $1,382 |
| 50 | $1,262 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,576 |
| $500 | $1,382 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,588 |
| 100/300 | $1,687 |
| 250/500 | $1,946 |
| 100 CSL | $1,627 |
| 300 CSL | $1,846 |
| 500 CSL | $2,006 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,266 |
| 20 | $5,016 |
| 30 | $3,036 |
| 40 | $2,970 |
| 50 | $2,832 |
| 60 | $2,806 |
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 | $73 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $577 |
Discounts are estimated and may not be available from every company or in every state.
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