Buy Cheap Toyota Highlander Auto Insurance in 2023
If you want to buy cheap Toyota Highlander insurance coverage then you should know that a policy will cost $118 per month ($1,410 per year) on average. Comprehensive, collision, and liability insurance cost around $343, $501, and $398, respectively.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Jun 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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:
- Full coverage costs around $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
Don’t let Toyota Highlander insurance rates trip you up. Full coverage for a Toyota Highlander costs around $1,410 a year or $118 each month. Learn more about insurance rates for a Toyota Highlander and how to save in our comprehensive guide.
You can start comparing quotes for Toyota Highlander car insurance rates from some of the best car insurance companies by using our free online tool now.
Toyota Highlander Insurance Cost
The average Toyota Highlander auto insurance rates 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 Kia Telluride, Lincoln Navigator, and Cadillac Escalade ESV.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Highlander | $348 | $532 | $372 | $1,410 |
| Kia Telluride | $376 | $688 | $316 | $1,516 |
| Lincoln Navigator | $356 | $686 | $398 | $1,598 |
| Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| GMC Terrain | $322 | $562 | $316 | $1,336 |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Infiniti QX60 | $404 | $750 | $372 | $1,684 |
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?
The Toyota Highlander trim and model you choose can impact the total price you will pay for Toyota Highlander insurance coverage.
Age of the Vehicle
Older Toyota Highlander models generally cost less to insure. For example, auto insurance for a 2020 Toyota Highlander costs $1,410, while 2010 Toyota Highlander insurance costs are $1,156, a difference of $254.
| 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 |
Driver Age
Driver age can have a significant effect on the cost of Toyota Highlander car insurance. For example, 30-year-old drivers pay approximately $62 more for their 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 Los Angeles may pay $775 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on the cost of Toyota Highlander auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Highlander car insurance with violations on their driving record.
Toyota Highlander Safety Ratings
Your Toyota Highlander car insurance rates are tied to the safety ratings of the Toyota Highlander. 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 | |
Toyota Highlander Crash Test Ratings
Not only do good Toyota Highlander crash test ratings mean you are better protected in a crash, but good Toyota Highlander crash ratings also mean cheaper 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 | ||||
|---|---|---|---|---|
Toyota Highlander Safety Features
The Toyota Highlander safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Toyota Highlander auto insurance rates. The Toyota Highlander’s safety features include:
- 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
Toyota Highlander Insurance Loss Probability
The lower percentage means lower Toyota Highlander car insurance costs; higher percentages mean higher Toyota Highlander car insurance costs. Compare the following Toyota Highlander auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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 | |
Toyota Highlander Finance and Insurance Cost
If you are financing a Toyota Highlander, you will pay more if you purchase Toyota Highlander auto insurance at the dealership, so be sure to shop around and compare Toyota Highlander auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Toyota Highlander Insurance
If you want to reduce the cost of your Toyota Highlander insurance rates, follow these tips below:
- Save Money on Young Driver Toyota Highlander Insurance By Mentioning Grades or GPA
- Wait Six Years for Accidents to Disappear from Your Record
- Ask Your Insurance Company About Toyota Highlander Discounts
- Make Sure You Use an Accredited Driver Safety Program
- Ask About Welcome Discounts
Top Toyota Highlander Insurance Companies
Who is the top car insurance company for Toyota Highlander insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Highlander auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Highlander offers.
| 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 | |||
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Frequently Asked Questions
Is it possible to find cheap auto insurance for a Toyota Highlander in 2023?
Yes, it is possible to find affordable auto insurance for a Toyota Highlander in 2023. While insurance rates can vary depending on several factors, such as your location, driving record, coverage needs, and the specific model of the Toyota Highlander, there are strategies to help keep your premiums reasonable. By shopping around for quotes from different insurance companies, considering available discounts, and being mindful of your coverage options, you can increase your chances of finding cheap auto insurance for your Toyota Highlander.
What factors can influence the cost of Toyota Highlander Auto Insurance?
Several factors can influence the cost of Toyota Highlander auto insurance. These factors include:
- Model and year of the Toyota Highlander: The specific model and year of your Toyota Highlander can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft or damage are considered.
- Driving record: Your driving history, including accidents, tickets, and violations, can influence your insurance rates. A clean driving record typically leads to lower premiums.
- Coverage options: The coverage options you choose, such as liability, comprehensive, and collision coverage, can affect your insurance costs. Higher coverage limits and lower deductibles may result in higher premiums, while lower coverage limits and higher deductibles can lower premiums.
- Location: Your location can impact insurance rates. Factors such as population density, crime rates, and accident statistics in your area are considered when determining premiums.
- Insurance history: Your insurance history, including previous claims and coverage gaps, can influence your rates. Maintaining continuous coverage and a good claims history can help keep premiums lower.
Are there any specific discounts available to help reduce Toyota Highlander auto insurance costs?
Yes, there are several discounts available that can help reduce Toyota Highlander auto insurance costs. While the availability of discounts can vary between insurance companies, some common ones include:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may qualify for a discount by bundling them.
- Vehicle safety features discount: Toyota Highlanders equipped with safety features, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
What steps can I take to find and buy cheap auto insurance for my Toyota Highlander?
To find and buy cheap auto insurance for your Toyota Highlander, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Assess your coverage needs: Determine the appropriate coverage limits and deductibles that suit your needs while keeping costs in mind.
- Maintain a good driving record: Practice safe driving habits to maintain a clean driving record, which can help keep your insurance premiums lower.
- Inquire about discounts: Ask insurance companies about available discounts and take advantage of those you qualify for.
- Consider bundling: If you have multiple insurance policies, check if bundling them with the same provider can lead to discounted rates.
- Review and update your policy: Regularly review your policy to ensure it still meets your needs and consider making adjustments if necessary.
Does my credit score affect my Toyota Highlander Auto Insurance Rates?
Yes, your credit score can impact your Toyota Highlander auto insurance rates in many states. Insurance companies often use credit-based insurance scores as part of their underwriting process. Research suggests that individuals with higher credit scores tend to file fewer insurance claims, resulting in lower premiums.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.