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.

The average insurance rates for a Toyota Highlander are $1,376 a year with full coverage. Comprehensive insurance costs on average $308, collision insurance costs $494, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs $2,964 or more. Teen drivers cost the most to insure at up to $5,116 a year.

Average premium for full coverage: $1,376

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Highlander trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $801
• Using higher $1,000 deductibles will save around $182 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,376
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $352 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,964
• Policy cost for full coverage for a teen driver with full coverage may cost $5,116 or more

View Chart as Image

Insurance rates for a Toyota Highlander also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Toyota Highlander insurance prices. A driver around age 40 might see rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates

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 Find the Best Cheap Toyota Highlander Insurance

Finding cheaper rates on car insurance requires having a good driving record, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a quick review of the ideas that were touched on above.

• Drivers age 20 and younger pay the highest rates, as much as $426 each month for full coverage
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,590 more each year to buy Toyota Highlander insurance
• Increasing comprehensive and collision deductibles can save around $525 each year
• You may be able to save as much as $160 per year just by shopping early and online

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