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.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 19, 2020
It’s all about you. We want to help you make the right coverage choices.
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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 $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.
Table of Contents
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 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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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 | |||
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