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 prices for a Toyota Highlander are $1,410 every 12 months for full coverage insurance. Comprehensive insurance costs around $348, collision insurance costs $532, and liability is estimated at $372. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $3,020 or more. Teens cost the most to insure at up to $5,114 a year.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Highlander models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

The examples above illustrate why everyone should get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates average Toyota Highlander insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $821
• Choosing higher $1,000 deductibles can save about $200 each year
• The average price for a good driver age 40 using $500 deductibles is $1,410
• Selecting pricier low deductibles for comp and collision coverage costs an extra $384 every year
• Unlucky drivers with serious driving violations could pay at least $3,020
• Policy cost to insure a teen driver for full coverage can be $5,114 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. Toyota Highlander insurance for high-risk drivers ranges as much as 43% to 127% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Highlander insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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 the Best Cheap Toyota Highlander Insurance

Finding cheaper rates on car insurance takes having a good driving record, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the information touched on in the above illustrations.

• It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are the costliest to insure, possibly costing $426 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,610 more every year to buy Toyota Highlander insurance
• Policyholders who may need increased levels of liability coverage will pay approximately $410 annually to raise limits 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.

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.

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.

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