Toyota Highlander Insurance Quotes [Rates + Cheap Coverage Guide]

The cost of Toyota Highlander auto insurance rates are $1,410 a year, or around $118 a month on average. Teens pay the highest rates at up to $5,154 a year, while good drivers may only pay $829.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 19, 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 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 $118 per month for full coverage and $47 per month for liability-only coverage. You can save up to $581 per year by earning policy discounts. Continue reading to learn how you can be eligible for those discounts.

You can start comparing quotes for Toyota Highlander auto insurance rates from some of the best auto 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.

Free Auto Insurance Comparison

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

 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 Mitsubishi Outlander, GMC Yukon XL, and Audi Q3.

Vehicle Comprehensive Collision Liability Total
Toyota Highlander $348 $532 $372 $1,410
Mitsubishi Outlander $306 $542 $332 $1,316
GMC Yukon XL $362 $562 $372 $1,454
Audi Q3 $344 $686 $398 $1,586
Honda Passport $362 $656 $316 $1,470
Lincoln Navigator $356 $686 $398 $1,598
Mitsubishi Outlander Sport $280 $512 $332 $1,260
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 auto 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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on Toyota Highlander auto insurance rates. For instance, a 30-year-old driver may pay $62 more each year for Toyota Highlander auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Highlander insurance rates. For example, drivers in Los Angeles may pay $1,212 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 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
Compare RatesStart Now →

Toyota Highlander Crash Test Ratings

Toyota Highlander crash test ratings will affect your 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
Compare RatesStart Now →

Toyota Highlander Safety Features

The Toyota Highlander safety features can help lower insurance costs. According to AutoBlog, the 2020 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 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
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 coverages including comprehensive coverage, so be sure to compare Toyota Highlander auto insurance rates from the best companies using our FREE tool below.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

5 Ways to Save on Toyota Highlander Insurance

Save more on your Toyota Highlander auto insurance rates. Take a look at the following five strategies that will get you the best Toyota Highlander auto insurance rates possible.

  • Ask About Seasonal Insurance for Your Toyota Highlander
  • Ask About Toyota Highlander Safety Discounts
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Use an Accurate Job Title When Requesting Toyota Highlander Auto Insurance Rates
  • Ask About a Student Away from Home Discount

Top Toyota Highlander Insurance Companies

Who is the best 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 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 auto insurance rates by taking advantage of our FREE comparison tool.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption