Toyota Highlander Insurance Quotes [Rates + Coverage Guide]

Average Toyota Highlander insurance quotes come in at $118 a month but a good driving record can lower your Toyota Highlander insurance rates. State Farm and GEICO are the most popular companies for Toyota Highlander insurance coverage, but you might find cheaper Toyota Highlander auto insurance by comparing quotes in your city. Enter your zip code below to compare now.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

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. Teens have the highest rates at around $5,154 a year or $430 a month.

Good drivers may qualify for up to $581 in policy discounts by practicing safe driving habits. Let’s look at Toyota Highlander insurance rates, crash test rates, 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 auto insurance rates are $1,410 a year or $118 a month.

Compare over 200 auto insurance companies at once!

 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 BMW X5, Nissan Armada, and Volvo XC60.

Vehicle Comprehensive Collision Liability Total
Toyota Highlander $348 $532 $372 $1,410
BMW X5 $444 $750 $372 $1,724
Nissan Armada $306 $536 $338 $1,316
Volvo XC60 $306 $536 $338 $1,316
Buick Encore $322 $562 $372 $1,414
Jeep Cherokee $348 $626 $466 $1,640
GMC Terrain $322 $562 $316 $1,336
Compare RatesStart Now →

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 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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on Toyota Highlander auto insurance rates. For example, 20-year-old drivers pay approximately $1,724 more each year for their Toyota Highlander auto insurance than 30-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 auto insurance rates are tied to 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
Compare RatesStart Now →

Toyota Highlander Crash Test Ratings

Good Toyota Highlander crash test ratings can lower your Toyota Highlander auto insurance rates. See Toyota Highlander crash test results below:

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
Compare RatesStart Now →

Toyota Highlander Safety Features

Good Toyota Highlander safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Toyota Highlander are:

  • 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 between different coverage types. The lower percentage means lower Toyota Highlander auto insurance costs; higher percentages mean higher Toyota Highlander auto insurance costs.

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
Compare RatesStart Now →

Toyota Highlander Finance and Insurance Cost

If you are financing a Toyota Highlander, most lenders will require your carry higher Toyota Highlander coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Highlander car insurance quotes from the best companies using our FREE tool below.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on Toyota Highlander Insurance

Although it may seem like your Toyota Highlander car insurance rates are set, there are a few measures that you can take to secure the best Toyota Highlander car insurance rates possible. Take a look at the following five ways to save on Toyota Highlander auto insurance.

  • Ask About Welcome Discounts
  • Compare Toyota Highlander Quotes Online
  • Renew Your Toyota Highlander Insurance Coverage to Avoid Lapses
  • Buy An Older Toyota Highlander
  • Ask for a Toyota Highlander Discount If You Have College Degree or Higher

Top Toyota Highlander Insurance Companies

Who is the top auto 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 RatesStart Now →

Compare Free Toyota Highlander Insurance Quotes Online

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

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption