Toyota Highlander Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 20, 2022

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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.

U.S. average auto insurance rates for a Toyota Highlander are $1,360 annually for full coverage insurance. Comprehensive costs on average $298, collision costs $474, and liability is $430. A policy with just liability insurance costs around $486 a year, with coverage for high-risk drivers costing around $2,926. 16-year-old drivers pay the highest rates at $5,082 a year or more.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

Comprehensive $298
Collision $474
Liability $430

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Highlander trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Highlander insurance prices go from as cheap as $486 for minimum levels of liability insurance to a much higher rate of $2,926 for a driver required to buy high-risk insurance.

Liability Only $486
Full Coverage $1,360
High Risk $2,926

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.

Additional Rate Details

The chart below illustrates estimated Toyota Highlander insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $792
  • Raising to $1,000 deductibles will save around $176 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,360
  • Buying more expensive low deductibles will cost $1,698
  • Drivers with multiple tickets or accidents could pay upwards of $2,926 or more
  • The price with full coverage for a 16-year-old driver with full coverage may cost $5,082

View Chart as Image

Toyota Highlander insurance cost comparison chart
Column chart showing full coverage Toyota Highlander insurance rates range from $792 to $5,082

Insurance prices for a Toyota Highlander are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $520 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Highlander insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,840 on average in Michigan, New York, and Florida.

Toyota Highlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$132 -9.7%
Alaska $1,044 -$316 -23.2%
Arizona $1,128 -$232 -17.1%
Arkansas $1,360 -$0 0.0%
California $1,550 $190 14.0%
Colorado $1,298 -$62 -4.6%
Connecticut $1,398 $38 2.8%
Delaware $1,538 $178 13.1%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $976 -$384 -28.2%
Idaho $920 -$440 -32.4%
Illinois $1,014 -$346 -25.4%
Indiana $1,024 -$336 -24.7%
Iowa $916 -$444 -32.6%
Kansas $1,292 -$68 -5.0%
Kentucky $1,854 $494 36.3%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,122 -$238 -17.5%
Massachusetts $1,088 -$272 -20.0%
Michigan $2,362 $1,002 73.7%
Minnesota $1,138 -$222 -16.3%
Mississippi $1,628 $268 19.7%
Missouri $1,206 -$154 -11.3%
Montana $1,462 $102 7.5%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,520 $160 11.8%
New Mexico $1,204 -$156 -11.5%
New York $1,432 $72 5.3%
North Carolina $784 -$576 -42.4%
North Dakota $1,114 -$246 -18.1%
Ohio $940 -$420 -30.9%
Oklahoma $1,396 $36 2.6%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,298 -$62 -4.6%
Rhode Island $1,812 $452 33.2%
South Carolina $1,232 -$128 -9.4%
South Dakota $1,148 -$212 -15.6%
Tennessee $1,190 -$170 -12.5%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $932 -$428 -31.5%
Virginia $814 -$546 -40.1%
Washington $1,052 -$308 -22.6%
West Virginia $1,244 -$116 -8.5%
Wisconsin $942 -$418 -30.7%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Toyota Highlander insurance rates by U.S. city

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Toyota Highlander Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Highlander 2WD $1,240 $103
Toyota Highlander 4WD $1,292 $108
Toyota Highlander SE 2WD $1,332 $111
Toyota Highlander Sport 2WD $1,332 $111
Toyota Highlander Sport 4WD $1,332 $111
Toyota Highlander Limited 2WD $1,400 $117
Toyota Highlander Limited 4WD $1,400 $117
Toyota Highlander SE 4WD $1,400 $117
Toyota Highlander Hybrid 4WD $1,400 $117
Toyota Highlander Hybrid Limited 4WD $1,478 $123

Rates assume 2020 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.

Toyota Highlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Highlander $298 $474 $430 $1,360
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 Buy Cheap Toyota Highlander Insurance

Getting lower rates on insurance for a Toyota Highlander consists of avoiding accidents and violations, having a good credit history, not filing small claims, and bundling your home and auto policies. Set aside time to shop around at every policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the data raised in the charts and tables above.

  • Insureds who require higher liability limits will pay around $470 annually to raise from a low limit to higher 250/500 limits
  • It is possible to save as much as $160 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $525 each year
  • Teenagers pay the highest prices, as much as $424 a month including comprehensive and collision insurance

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 TestedOverallFrontalSideRollover
2021 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander Hybrid SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander Hybrid SUV FWD5 stars4 stars5 stars4 stars
2020 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2014 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2013 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2013 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2012 Toyota Highlander HV SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander SUV FWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota Highlander HV SUV AWD4 stars4 stars5 stars4 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 CategoryLoss 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

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

Rates by Driver Age

Toyota Highlander Insurance Rates by Driver Age
Driver Age Premium
16 $5,082
20 $3,110
30 $1,414
40 $1,360
50 $1,242
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,542
$500 $1,360
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,564
100/300 $1,672
250/500 $1,951
100 CSL $1,607
300 CSL $1,844
500 CSL $2,016

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander Insurance Rates for High Risk Drivers
Age Premium
16 $7,236
20 $4,948
30 $2,984
40 $2,926
50 $2,792
60 $2,766

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.

SR-22 Surcharge $186

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $60
Advance Quote $65
Online Quote $96
Total Discounts $568
Rate after discounts $792

Discounts are estimated and may not be available from every company or in every state.

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