Toyota Highlander Insurance Cost Estimate

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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
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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
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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
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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
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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
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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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Save on your Toyota Highlander car insurance rates by taking advantage of our FREE comparison tool.

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