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Toyota Highlander insurance rates

Average insurance cost for your Highlander: $154. But how low can your rates go? See our sample quotes.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota Highlander is $154.40 — or $1,852.80 yearly. However, some older models may cost less to insure than others depending on the safety features your vehicle has and which insurer you choose. And your actual costs depend on your specific details such as driving history, ZIP, age, annual mileage and other factors.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Toyota Highlander$98.74$95.16$149.77$133.42$119.27
2016 Toyota Highlander$112.41$107.79$170.99$145.60$134.20
2021 Toyota Highlander$130.58$121.99$193.33$171.70$154.40

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
State Farm
State Farm
No
Yes
Drive Safe and Save
Yes
All 50 states
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.
Geico
No
No
DriveEasy
Yes
All 50 states

Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

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About the Toyota Highlander

The Toyota Highlander has been around since 2001 and it is currently in its third generation. The midsize SUV is known for its excellent fuel economy and comfortable ride. In 2016, Toyota sold the most Highlander vehicles in a year, with over 191,000 sales in the United States.

Toyota Highlander money-saving safety features

You could save money on car insurance for your Toyota Highlander if it comes equipped with these safety features.

  • Antilock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Antitheft system

How safe is the Toyota Highlander?

The 2017 Toyota Highlander received a 5-Star Overall Safety Rating from the National Highway Traffic Safety Administration (NHTSA). The side crash test received five stars, the highest possible rating, from the NHTSA. The government organization also awarded a four star safety rating for the frontal crash test and the rollover crash test.

The Insurance Institute for Highway Safety (IIHS) named the Toyota Highlander as a Top Safety Pick+ car. All crash tests performed by the IIHS received a good safety rating, the highest possible rating.

The Toyota Highlander model includes forward collision warning, lane departure assistance and driver knee airbags.

How does the Toyota Highlander compare to other car models?

From a price standpoint, the Toyota Highlander ranks right in the middle of our list of the 360 priciest car models to insure.

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