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Toyota Highlander Insurance Quotes [Rates + Comparison Guide]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 30, 2020

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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

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 insurance rates, crash test ratings, and more.

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 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.

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 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.

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

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

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

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

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

  • 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

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

Compare Free Toyota Highlander Insurance Quotes Online

To start comparing Toyota Highlander car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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