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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
|
Written by
Sara Routhier |
|
Reviewed by
Cynthia Lanctot
|
UPDATED: Jul 16, 2021
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: Jul 16, 2021
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.
On This Page
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | |||
Compare Free Toyota Highlander Insurance Quotes Online
Save on your Toyota Highlander car insurance rates by taking advantage of our FREE comparison tool.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
|
Written by
Sara Routhier |
|
Reviewed by
Cynthia Lanctot
|