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 $1,392 a year for full coverage. Comprehensive insurance costs on average $332, collision insurance costs $512, and liability insurance costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs $2,982 or more. Teenage drivers cost the most to insure at up to $5,092 a year.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

Includes $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Highlander models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

The examples above show why everyone should compare rates based on a specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $194 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,392
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $368 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,982
• Policy cost that insures a teen driver for full coverage may cost $5,092 a year

View Chart as Image

Auto insurance rates for a Toyota Highlander also range considerably based on the model of your Highlander, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Toyota Highlander insurance for high-risk drivers can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Toyota Highlander insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $570 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

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 Cheapest Toyota Highlander Insurance

Finding cheaper rates on Toyota Highlander insurance not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a recap of the material that was touched on in the above illustrations.

• Drivers who require increased levels of liability coverage will pay an extra $430 each year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are charged the highest rates, costing up to $424 each month if the policy includes full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,590 more each year to buy Toyota Highlander insurance
• Increasing comprehensive and collision deductibles can save approximately $550 each year

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