Toyota Highlander Insurance Rates [Cheap Coverage Guide]

If you want to buy Toyota Highlander auto insurance coverage online then a policy will cost $118 per month ($1,410 per year) on average. You can find cheap Toyota Highlander insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $829 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 31, 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

Searching for Toyota Highlander insurance rates can leave you with more questions than answers if you don’t know where to start. As it turns out, average Toyota Highlander car insurance rates cost drivers $1,410 a year or $118 every month. Let this comprehensive guide serve as a reference for you when comparing Toyota Highlander rates from different companies.

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 GMC Yukon XL, Mitsubishi Outlander Sport, and BMW X3.

Vehicle Comprehensive Collision Liability Total
Toyota Highlander $348 $532 $372 $1,410
GMC Yukon XL $362 $562 $372 $1,454
Mitsubishi Outlander Sport $280 $512 $332 $1,260
BMW X3 $376 $656 $372 $1,562
Buick Encore $322 $562 $372 $1,414
Ford Expedition $336 $532 $316 $1,320
Ford Flex $332 $566 $398 $1,454
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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 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
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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 Jacksonville may pay $846 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 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
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Toyota Highlander Crash Test Ratings

Not only do good Toyota Highlander crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper 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
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Toyota Highlander Safety Features

Having a variety of safety features on your Toyota Highlander can help lower your insurance costs. According to AutoBlog, the 2020 Toyota Highlander’s safety features include:

  • 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
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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.

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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.

  • Don’t Skimp On Toyota Highlander Liability Coverage
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Understand that Your Insurer Can Change Your Toyota Highlander Auto Insurance Rates Mid-Term for Other Reasons
  • Don’t Always Pick the Cheapest Toyota Highlander Insurance Policy
  • Be Picky About Who Drives Your Toyota Highlander

Top Toyota Highlander Insurance Companies

Several top car insurance companies offer competitive rates for the Toyota Highlander rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Toyota Highlander drivers organized by 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
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Compare Free Toyota Highlander Insurance Quotes Online

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.
Is car insurance for the Toyota Highlander cheap? Read on to learn all about finding the best auto insurance and then enter your ZIP above for a free Toyota Highlander car insurance comparison!

Being on the road with so many other vehicles is often dangerous, as many of us know. That’s why car insurance is so vital.

After spending a great deal of money on the car you’ve always wanted and watching a portion of your monthly income dissipate to pay for it, you want to make sure that your vehicle is covered in case it’s involved in an accident.

Insurance representatives look at a number of different things when considering your application for auto insurance. They consider:

  • What type of vehicle you’re driving
  • Your driving history
  • Your age and marital status
  • How many people are going to be driving the vehicle regularly

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What Are Some Standard Features On The Toyota Highlander?

It’s important when searching for car insurance on your new Toyota Highlander, that you know more about your vehicle than just the make and model.

Certain features of your Toyota Highlander are going to qualify you for a lower auto insurance rate because they increase the safety of your vehicle.

Since these features can save you money, it’s essential that you know what they are and what they do for you. Some of these features include:

  • The rear window defogger and intermittent wiper
  • Power windows with jam protection (in the case of an accident, it’s less likely that these windows will get stuck closed if passengers need to get out through them)
  • Vehicle Stability Control that allows the driver to keep control of the vehicle when traction loss is detected
  • Traction Control
  • Anti-Lock Brakes
  • Brake Assist for emergency stopping
  • Electronic Brake Force Distribution for when you’re carrying uneven loads in your vehicle, it will still stop smoothly
  • Advanced Airbag System
  • Tire Pressure Monitoring System that lets you know when your tire pressure is low
  • Active front headrests that move when impacted to reduce the amount of whiplash
  • Hill Start Assist Control helps the vehicle from rolling downhill when going from stopped to accelerating
  • Emergency Locking Retractor on the driver’s seat belt
  • Side impact door beams protect all your passengers
  • Collapsible steering column in case of collision
  • Child-proof rear door locks
  • Second-row child restraint system

 What Are Some Optional Features Available On The Toyota Highlander?

The above features all come standard on your new Toyota Highlander. However, there are also a few features that can be added upon purchase that may help lower your car insurance rate as well. These features include:

  • Anti-theft alarm with engine immobilizer
  • Cold weather package that includes heated mirrors and windshield wiper de-icer grid
  • Engine immobilizer
  • Wheel locks
  • Auto-dimming rear view mirror
  • Emergency Assistance Kit

How Do I Find Cheap Toyota Highlander Auto Insurance Rates?

Insurance companies carefully look at all the features your vehicle offers in safety protection when considering your application for auto insurance. Added features can only help to lower the rate.

Rates vary from company to company and with everyone’s personal situations and details so it’s extremely important to shop around and compare quotes with other companies.

The Internet provides tools that let you compare prices from companies right at your fingertips to ensure that you are getting the best-priced auto insurance for your Toyota Highlander.

Enter your ZIP code below to start comparing free Toyota Highlander insurance quotes online now!

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