Toyota Highlander Insurance Rates
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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.
The average insurance prices for a Toyota Highlander are $1,392 every 12 months with full coverage. Comprehensive costs around $332 a year, collision costs $512, and liability insurance is $390. Buying just liability costs around $452 a year, with insurance for high-risk drivers costing around $2,982. 16-year-old drivers cost the most to insure at $5,092 a year or more.
Average premium for full coverage: $1,392
Policy rates for type of insurance:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Highlander trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Highlander insurance rates go from the cheapest price of $452 for your basic liability-only policy to a high of $2,982 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.
More Rate Information
The chart below details estimated Toyota Highlander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $810
- Raising to $1,000 deductibles will save about $1,198 annually
- The average price for a good driver age 40 using $500 deductibles is $1,392
- Buying low $100 deductibles increases the price to $1,760
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,982 or more
- Policy cost to insure a teen driver can be $5,092
Insurance rates for a Toyota Highlander also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $570 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Toyota Highlander insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,258 | -$134 | -9.6% |
| Alaska | $1,068 | -$324 | -23.3% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,330 | -$62 | -4.5% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,742 | $350 | 25.1% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $998 | -$394 | -28.3% |
| Idaho | $942 | -$450 | -32.3% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,048 | -$344 | -24.7% |
| Iowa | $940 | -$452 | -32.5% |
| Kansas | $1,324 | -$68 | -4.9% |
| Kentucky | $1,900 | $508 | 36.5% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $860 | -$532 | -38.2% |
| Maryland | $1,148 | -$244 | -17.5% |
| Massachusetts | $1,114 | -$278 | -20.0% |
| Michigan | $2,420 | $1,028 | 73.9% |
| Minnesota | $1,164 | -$228 | -16.4% |
| Mississippi | $1,666 | $274 | 19.7% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,496 | $104 | 7.5% |
| Nebraska | $1,098 | -$294 | -21.1% |
| Nevada | $1,668 | $276 | 19.8% |
| New Hampshire | $1,002 | -$390 | -28.0% |
| New Jersey | $1,558 | $166 | 11.9% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,466 | $74 | 5.3% |
| North Carolina | $802 | -$590 | -42.4% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,430 | $38 | 2.7% |
| Oregon | $1,274 | -$118 | -8.5% |
| Pennsylvania | $1,330 | -$62 | -4.5% |
| Rhode Island | $1,858 | $466 | 33.5% |
| South Carolina | $1,262 | -$130 | -9.3% |
| South Dakota | $1,174 | -$218 | -15.7% |
| Tennessee | $1,222 | -$170 | -12.2% |
| Texas | $1,678 | $286 | 20.5% |
| Utah | $1,030 | -$362 | -26.0% |
| Vermont | $954 | -$438 | -31.5% |
| Virginia | $834 | -$558 | -40.1% |
| Washington | $1,074 | -$318 | -22.8% |
| West Virginia | $1,276 | -$116 | -8.3% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,242 | -$150 | -10.8% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Highlander 2WD | $1,264 | $105 |
| Toyota Highlander 4WD | $1,320 | $110 |
| Toyota Highlander SE 2WD | $1,362 | $114 |
| Toyota Highlander Sport 2WD | $1,362 | $114 |
| Toyota Highlander Sport 4WD | $1,362 | $114 |
| Toyota Highlander Limited 2WD | $1,436 | $120 |
| Toyota Highlander Limited 4WD | $1,436 | $120 |
| Toyota Highlander SE 4WD | $1,436 | $120 |
| Toyota Highlander Hybrid 4WD | $1,436 | $120 |
| Toyota Highlander Hybrid Limited 4WD | $1,520 | $127 |
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 | $348 | $532 | $372 | $1,410 |
| 2023 Toyota Highlander | $332 | $512 | $390 | $1,392 |
| 2022 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2021 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2020 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2019 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2018 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2017 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2016 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2015 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2010 Toyota Highlander | $184 | $222 | $474 | $1,038 |
| 2009 Toyota Highlander | $174 | $202 | $474 | $1,008 |
| 2008 Toyota Highlander | $168 | $182 | $468 | $976 |
| 2007 Toyota Highlander | $166 | $178 | $460 | $962 |
| 2006 Toyota Highlander | $162 | $168 | $452 | $940 |
| 2005 Toyota Highlander | $148 | $160 | $446 | $912 |
| 2004 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 Shop for Cheap Toyota Highlander Insurance
Finding cheaper rates on Toyota Highlander insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting rate quotes from direct companies, and also from several local insurance agents.
The following is a brief summary of the car insurance concepts raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,590 more every year for Highlander insurance
- You may be able to save up to $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Drivers who may need higher liability limits will pay around $430 every year to raise from a 30/60 limit to a 250/500 level
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 | $5,092 |
| 20 | $3,166 |
| 30 | $1,454 |
| 40 | $1,392 |
| 50 | $1,270 |
| 60 | $1,242 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,760 |
| $250 | $1,592 |
| $500 | $1,392 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,598 |
| 100/300 | $1,696 |
| 250/500 | $1,949 |
| 100 CSL | $1,637 |
| 300 CSL | $1,852 |
| 500 CSL | $2,008 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,260 |
| 20 | $5,030 |
| 30 | $3,050 |
| 40 | $2,982 |
| 50 | $2,842 |
| 60 | $2,816 |
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 | $74 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $67 |
| Online Quote | $99 |
| Total Discounts | $582 |
Discounts are estimated and may not be available from every company or in every state.
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