Compare Toyota Highlander Car Insurance Rates [2025]
If you want to buy Toyota Highlander auto insurance coverage online then a policy will cost $118 per month ($1,410 per year) on average. You can find cheap Toyota Highlander insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $829 a year.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Updated December 2023
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
Searching for Toyota Highlander insurance rates can leave you with more questions than answers if you don’t know where to start. As it turns out, average Toyota Highlander car insurance rates cost drivers $1,410 a year or $118 every month. Let this comprehensive guide serve as a reference for you when comparing Toyota Highlander rates from different companies.
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 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 GMC Yukon XL, Mitsubishi Outlander Sport, and BMW X3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Highlander | $348 | $532 | $372 | $1,410 |
| GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| Mitsubishi Outlander Sport | $280 | $512 | $332 | $1,260 |
| BMW X3 | $376 | $656 | $372 | $1,562 |
| Buick Encore | $322 | $562 | $372 | $1,414 |
| Ford Expedition | $336 | $532 | $316 | $1,320 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
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 car insurance coverage.
Age of the Vehicle
Older Toyota Highlander models generally cost less to insure. For example, car 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 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 Jacksonville may pay $846 a year more than drivers in Indianapolis.
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 auto insurance rates with violations on their driving record.
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 | |
Toyota Highlander Crash Test Ratings
Not only do good Toyota Highlander crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota Highlander auto 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
Having a variety of safety features on your Toyota Highlander can help lower your insurance costs. According to AutoBlog, the 2020 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 Toyota Highlander’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Toyota Highlander, others are more favorable and lead to lower 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 | |
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.
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Ways 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.
- Don’t Skimp On Toyota Highlander Liability Coverage
- Ask About Mature Driver Discounts for Drivers Over 50
- Understand that Your Insurer Can Change Your Toyota Highlander Auto Insurance Rates Mid-Term for Other Reasons
- Don’t Always Pick the Cheapest Toyota Highlander Insurance Policy
- Be Picky About Who Drives Your Toyota Highlander
Top Toyota Highlander Insurance Companies
Several top car insurance companies offer competitive rates for the Toyota Highlander rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Toyota Highlander drivers organized by 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 | |||
Compare Free Toyota Highlander Insurance Quotes Online
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.
Is car insurance for the Toyota Highlander cheap? Read on to learn all about finding the best auto insurance and then enter your ZIP above for a free Toyota Highlander car insurance comparison!
Being on the road with so many other vehicles is often dangerous, as many of us know. That’s why car insurance is so vital.
After spending a great deal of money on the car you’ve always wanted and watching a portion of your monthly income dissipate to pay for it, you want to make sure that your vehicle is covered in case it’s involved in an accident.
Insurance representatives look at a number of different things when considering your application for auto insurance. They consider:
- What type of vehicle you’re driving
- Your driving history
- Your age and marital status
- How many people are going to be driving the vehicle regularly
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What Are Some Standard Features On The Toyota Highlander?
It’s important when searching for car insurance on your new Toyota Highlander, that you know more about your vehicle than just the make and model.
Certain features of your Toyota Highlander are going to qualify you for a lower auto insurance rate because they increase the safety of your vehicle.
Since these features can save you money, it’s essential that you know what they are and what they do for you. Some of these features include:
- The rear window defogger and intermittent wiper
- Power windows with jam protection (in the case of an accident, it’s less likely that these windows will get stuck closed if passengers need to get out through them)
- Vehicle Stability Control that allows the driver to keep control of the vehicle when traction loss is detected
- Traction Control
- Anti-Lock Brakes
- Brake Assist for emergency stopping
- Electronic Brake Force Distribution for when you’re carrying uneven loads in your vehicle, it will still stop smoothly
- Advanced Airbag System
- Tire Pressure Monitoring System that lets you know when your tire pressure is low
- Active front headrests that move when impacted to reduce the amount of whiplash
- Hill Start Assist Control helps the vehicle from rolling downhill when going from stopped to accelerating
- Emergency Locking Retractor on the driver’s seat belt
- Side impact door beams protect all your passengers
- Collapsible steering column in case of collision
- Child-proof rear door locks
- Second-row child restraint system
What Are Some Optional Features Available On The Toyota Highlander?
The above features all come standard on your new Toyota Highlander. However, there are also a few features that can be added upon purchase that may help lower your car insurance rate as well. These features include:
- Anti-theft alarm with engine immobilizer
- Cold weather package that includes heated mirrors and windshield wiper de-icer grid
- Engine immobilizer
- Wheel locks
- Auto-dimming rear view mirror
- Emergency Assistance Kit
How Do I Find Cheap Toyota Highlander Auto Insurance Rates?
Insurance companies carefully look at all the features your vehicle offers in safety protection when considering your application for auto insurance. Added features can only help to lower the rate.
Rates vary from company to company and with everyone’s personal situations and details so it’s extremely important to shop around and compare quotes with other companies.
The Internet provides tools that let you compare prices from companies right at your fingertips to ensure that you are getting the best-priced auto insurance for your Toyota Highlander.
Enter your ZIP code below to start comparing free Toyota Highlander insurance quotes online now!
Frequently Asked Questions
How can I compare car insurance rates for a Toyota Highlander?
To compare car insurance rates for a Toyota Highlander, you can start by reaching out to different insurance companies directly and requesting quotes. Many insurance providers have online tools or dedicated phone lines where you can obtain quotes specific to the Toyota Highlander. Additionally, you can use online comparison platforms that allow you to compare quotes from multiple insurers, making it easier to find the best rate for your Toyota Highlander.
What factors affect car insurance rates for a Toyota Highlander?
Car insurance rates for a Toyota Highlander are influenced by various factors. Common factors include the model and year of the vehicle, your driving record, your age, gender, and marital status, your location, the coverage options you choose, and your deductible amount. Additionally, factors such as the safety features of the Toyota Highlander, the cost of repairs, the likelihood of theft or accidents, and the frequency of insurance claims for this particular model can impact insurance rates.
Are car insurance rates higher for Toyota Highlander compared to other SUV models?
Car insurance rates can vary depending on the specific make and model of the vehicle, as well as other factors. While the Toyota Highlander is known for its reliability and safety features, insurance rates can still vary based on factors such as the cost of repairs, the likelihood of theft or accidents, and the frequency of insurance claims for this particular model. It’s recommended to compare rates from multiple insurers to get a better understanding of how Toyota Highlander car insurance rates compare to other SUV models.
Are there any discounts available for Toyota Highlander car insurance?
Yes, many insurance companies offer various discounts that can help you save on Toyota Highlander car insurance. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates for my Toyota Highlander?
There are several strategies you can consider to lower your car insurance rates for your Toyota Highlander. Maintaining a clean driving record, opting for higher deductibles, bundling multiple policies with the same insurer, and taking advantage of available discounts are some effective methods. Additionally, the advanced safety features of the Toyota Highlander, such as automatic emergency braking and lane departure warning, can help lower insurance rates.
Is it necessary to have full coverage car insurance for a Toyota Highlander?
Whether you need full coverage car insurance for your Toyota Highlander depends on various factors, including your personal circumstances and preferences. While liability insurance is typically required by law, full coverage, which includes comprehensive and collision coverage, is not mandatory. However, if your Toyota Highlander is financed or leased, the lender or leasing company may require you to have full coverage until the loan or lease is paid off.
What should I do if I can’t afford car insurance for my Toyota Highlander?
If you’re struggling to afford car insurance for your Toyota Highlander, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from different insurance companies to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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