Best Toyota Highlander Car Insurance Quotes (2024)
Average Toyota Highlander insurance rates are $118/mo for full coverage while average Toyota Highlander insurance costs are $28.58/mo for comprehensive, $41.75/mo for collision, and $33.17/mo for liability coverage. Use our free tool below to Toyota Highlander insurance comparison shop for the best Toyota Highlander insurance quotes in your ZIP Code.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Toyota Highlander car insurance cost for full coverage averages $1,410 a year or $118 each month
- A liability-only policy costs around $566 a year or $47 each month
- Highest rates are for teenage drivers at around $5,154 a year or $430 each month
- Good drivers can save as much as $581 a year by earning policy discounts
- Toyota Highlander insurance costs around $109 less per year than the average vehicle
Toyota Highlander insurance rates are about $109 less per year than the average vehicle with full coverage costing around $1,410 a year or $118 a month. Owners of an older Toyota Highlander may decide to only get liability coverage which costs around $566 a year or $47 a month.
Good drivers can get policy discounts up to $581 a year by staying safe while they’re driving. Let’s look at Toyota Highlander auto insurance rates, crash test ratings, and more.
You can compare car insurance quotes for Toyota Highlander car insurance rates from some of the best car insurance companies by using our free online tool now.
What is the Toyota Highlander insurance cost?
The average Toyota Highlander car insurance costs are $1,410 a year or $118 a month.
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Are Toyota Highlanders expensive to insure?
The chart below details how Toyota Highlander insurance rates compare to other SUVs like the Volvo XC90, Buick Encore, and Audi Q3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Highlander | $348 | $532 | $372 | $1,410 |
| Volvo XC90 | $346 | $600 | $390 | $1,494 |
| Buick Encore | $322 | $562 | $372 | $1,414 |
| Audi Q3 | $344 | $686 | $398 | $1,586 |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
What impacts the cost of Toyota Highlander insurance?
Even though the average annual rate for the Toyota Highlander is $1,410, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Highlander.
Age of the Vehicle
The average Toyota Highlander car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Toyota Highlander are $1,410, while 2010 Toyota Highlander rates are $1,156, a difference of $254.You’ll even find a difference between 2016, 2017, and 2018 Toyota Highlander rates and 2019 Toyota Highlander insurance rates.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Toyota Highlander | $348 | $532 | $372 | $1,410 |
| 2019 Toyota Highlander | $332 | $512 | $390 | $1,392 |
| 2018 Toyota Highlander | $320 | $506 | $398 | $1,382 |
| 2017 Toyota Highlander | $308 | $494 | $416 | $1,376 |
| 2016 Toyota Highlander | $298 | $474 | $430 | $1,360 |
| 2015 Toyota Highlander | $282 | $458 | $442 | $1,340 |
| 2014 Toyota Highlander | $270 | $424 | $452 | $1,304 |
| 2013 Toyota Highlander | $260 | $400 | $456 | $1,274 |
| 2012 Toyota Highlander | $248 | $358 | $460 | $1,224 |
| 2011 Toyota Highlander | $232 | $330 | $460 | $1,180 |
| 2010 Toyota Highlander | $224 | $310 | $464 | $1,156 |
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Driver Age
Driver age can have a significant effect on Toyota Highlander car insurance rates. For example, 30-year-old drivers pay $62 more for Toyota Highlander car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Highlander insurance rates. For example, drivers in New York may pay $367 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Toyota Highlander car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Highlander car insurance rates with violations on their driving record.
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What are Toyota Highlander safety ratings?
Your Toyota Highlander auto insurance rates are influenced by the Toyota Highlander’s safety ratings. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
What are Toyota Highlander crash test ratings?
Poor Toyota Highlander crash test ratings could mean higher Toyota Highlander car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 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 |
| 2016 Toyota Highlander HV SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
What are Toyota Highlander safety features?
The safety features of the Toyota Highlander can impact your Toyota Highlander car insurance rates. The Toyota Highlander has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
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What is Toyota Highlander insurance loss probability?
The Toyota Highlander’s insurance loss probability varies for each form of coverage. The lower percentage means lower Toyota Highlander auto insurance rates; higher percentages mean higher Toyota Highlander car insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -12% |
|---|---|
| Property Damage | -18% |
| Comprehensive | -6% |
| Personal Injury | -6% |
| Medical Payment | -22% |
| Bodily Injury | -25% |
| Source: Insurance Institute for Highway Safety | |
What is the Toyota Highlander finance and insurance cost?
If you are financing a Toyota Highlander, you will pay more if you purchase Toyota Highlander car insurance at the dealership, so be sure to shop around and compare Toyota Highlander car insurance quotes from the best companies using our FREE tool below.
How to save on Toyota Highlander Insurance
You can save more money on your Toyota Highlander auto insurance rates by employing any of the following five strategies.
- Compare Insurance Companies After Moving
- Ask About Usage-Based Insurance for Your Toyota Highlander
- Compare Apples to Apples When Comparing Toyota Highlander Insurance Quotes and Policies
- Be Picky About Who Drives Your Toyota Highlander
- Purchase a Roadside Assistance Program for Your Toyota Highlander
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What are the top Toyota Highlander insurance companies?
The best auto insurance companies for Toyota Highlander car insurance rates will offer competitive rates, discounts, and account for the Toyota Highlander’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
How to compare free Toyota Highlander insurance quotes online
To start comparing Toyota Highlander car insurance quotes for free, use our online car insurance comparison tool.
Frequently Asked Questions
What is the cost of Toyota Highlander insurance?
On average, Toyota Highlander car insurance costs around $1,410 per year or $118 per month.
Are Toyota Highlanders expensive to insure?
Compared to other SUVs like the Volvo XC90, Buick Encore, and Audi Q3, Toyota Highlanders have competitive insurance rates. However, several factors can influence the cost, such as your profile and driving history.
What impacts the cost of Toyota Highlander insurance?
Several factors can impact the cost of Toyota Highlander insurance, including the age of the vehicle, driver age, driver location, and driving record.
- Age of the Vehicle: Newer Toyota Highlander models generally have higher insurance rates compared to older models.
- Driver Age: Younger drivers, such as teenagers, tend to have higher insurance rates than older drivers.
- Driver Location: Insurance rates can vary depending on where you live, with factors like population density and local accident rates taken into account.
- Your Driving Record: Drivers with a clean record usually enjoy lower insurance rates compared to those with previous accidents or violations.
How can I save on Toyota Highlander insurance?
You can save on Toyota Highlander insurance by following these strategies:
- Compare Insurance Companies After Moving: Moving to a different location might affect your insurance rates, so it’s essential to compare quotes from different companies.
- Ask About Usage-Based Insurance: Some insurers offer usage-based insurance programs that can provide discounts based on your driving habits.
- Compare Apples to Apples: When comparing insurance quotes and policies, ensure you’re comparing similar coverage options and deductibles.
- Be Picky About Who Drives Your Toyota Highlander: Adding high-risk drivers to your policy can increase your rates, so be selective about who drives your vehicle.
- Purchase a Roadside Assistance Program: Adding a roadside assistance program to your policy can provide peace of mind and potentially save you money in emergency situations.
How can I compare Toyota Highlander insurance quotes online?
You can compare Toyota Highlander insurance quotes online by using our free car insurance comparison tool. It allows you to receive quotes from multiple companies, helping you find the best rates for your Toyota Highlander.
What are the safety features of Toyota Highlanders?
Toyota Highlanders come equipped with a range of safety features, including:
- Driver and passenger airbags
- Front and rear head airbags
- Front side airbags
- 4-wheel ABS
- Brake assist
- Electronic stability control
- Daytime running lights
- Child safety locks
- Integrated turn signal mirrors
- Traction control
- Lane departure warning
- Lane-keeping assist.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.