Toyota Highlander Insurance Quotes [Rates + Coverage Guide]

Car insurance rates for a Toyota Highlander average $1,410 a year, or around $118 a month. Shop around to find cheap Toyota Highlander insurance rates. On average, Toyota Highlander comprehensive insurance coverage costs $343, collision coverage costs $501, and liability coverage costs $398.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 27, 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. 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.


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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 BMW X5, Nissan Armada, and Volvo XC60.

VehicleComprehensiveCollisionLiabilityTotal
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

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 YearComprehensiveCollisionLiabilityTotal
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 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 TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

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 TestedOverallFrontalSideRollover
2019 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Highlander Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV FWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Highlander HV SUV AWD5 stars4 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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 CategoryLoss 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, 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.

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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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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