Toyota Highlander Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Highlander is more affordable to insure than the average SUV.

• Liability only insurance premiums for a Highlander come in at around $75 per month, while full coverage typically averages about $137.

• The most affordable auto insurance carrier for a Highlander is ACG, who offers prices as low as just $23 monthly.

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Highlander Overview

With a base price of just $34,810 for new 2021 models, the Toyota Highlander is a great car for drivers on a budget. There are 11 different trim levels currently available, so you'll be sure to find an option to fit your style.

Based on reviewing thousands of car insurance quotes from Compare.com, we've found that Toyota Highlander auto insurance rates run around $139 per month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Toyota Highlander?

You can see in the table above that when you compare the Toyota Highlander to other vehicles, insurance premiums are lower than average. On average, Highlander owners will pay about $137 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $75 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other models, the Highlander is cheaper, with prices more than 10% lower than the other vehicle types offered by Toyota. Likewise, compared to other vehicles of a similar body style, Highlander coverage is cheaper than average, with both full coverage and liability only insurance averaging less expensive rates than other SUVs.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of model, body style, or make.

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Who has the Cheapest Car Insurance for a Toyota Highlander?

Are you searching for a car insurance policy for your Toyota Highlander? You're probably wondering which company offers the most affordable rates. Even though there will never be one carrier that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from ACG. With car insurance as cheap as just $30 monthly, Sun Coast is the next cheapest car insurance company.

Ohio Mutual, Fiesta, and AnswerFinancial round out the end of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, insurance carriers look at several different factors when calculating premiums, so your results might be different. There's only one way to make sure you find the lowest possible rates, and that's by reviewing quotes from quite a few car insurance companies.

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What Factors Affect Car Insurance Rates for a Toyota Highlander?

There are a bunch of variables that insurance carriers reference to decide how much they charge you for a policy -- and every carrier uses a different formula, so there's not one company that's the cheapest for each driver.

The sections below show numerous variables auto insurance companies use to calculate rates:

Vehicle Age

The Toyota Highlander has been around for a while, so vehicle age may make a difference in what you end up paying for car insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Highlanders begin to depreciate, insurance costs will gradually decrease.

Based on the information in the table above, the Toyota Highlander is in line with this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Highlanders that are 4 to 5 years old.

Your Age

How old you are plays a significant role in how much insurance carriers will charge for a policy. In the table above, you'll see that older drivers pay less than the youngest drivers. Toyota Highlander drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Highlander drivers.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Highlander drivers specifically, women pay around $8 less than men a month for auto insurance.

Where You Live

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live can be just as important. Since auto insurance is regulated at the state level, rates can differ quite a bit from state to state.

For example, the average Toyota Highlander owner from New York pays about $176 per month for liability coverage, while the same driver in California will pay less than 50% of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Toyota Highlander Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always a good idea to take advantage of as many car insurance discounts as possible.

While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance company

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes the best way to save is just by having a profile that looks good to car insurance carriers.

Of course, you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you do have a say over some of it. Below are just a few of the ones you can use to your favor when it comes to cost savings:

Your Driving Record

It's no secret that insurance companies offer the most affordable rates to drivers with a history of responsible driving. And you probably wouldn't be surprised that your car insurance premiums will go higher if you get into an accident or get speeding tickets. But exactly how much can it cost you for these infractions?

As you can tell, accidents will usually cost Highlander drivers more than tickets, but both will cause a significant increase in rates. Toyota Highlander drivers with one ticket will pay an average of $92 monthly, while drivers with a single accident on their record pay about $92 per month (up $17 from the $75/mo. overall average). The rates only go up the more accidents you have or tickets you get.

How Much You Drive

Another variable that impacts your auto insurance rates is the amount of miles you drive each year. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll usually end up spending less on car insurance. In the table above, you can see that Toyota Highlander owners who drive 10,000 miles or more pay $75 for insurance, while those who drive fewer than 2,500 miles a year pay an average of $64 a month.

But if you're one of those drivers who don't put very many miles on your Toyota Highlander each year, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Toyota Highlanders Compare to Other Vehicles?

If you're considering purchasing a Toyota Highlander, you're probably wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Toyota Highlander stacks up:

With an MSRP that's less than the going rate for a new vehicle, the Toyota Highlander is a great value for any budget. The Highlander has an MSRP of $34,810, which is quite a bit lower than the national average vehicle price of $46,179.

Although the purchase price is on the cheaper end of the spectrum, insurance prices are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Highlander is around $15 a month cheaper than average, while liability only coverage is $10 higher per month.

When it comes to usage, Toyota Highlander owners drive about the same amount annually as the national average, with 10,845 miles every year compared to 11,660 for all vehicles.

Toyota Highlander Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's auto insurance premiums. If you're in thinking about buying a new car, truck, or SUV and the Highlander is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options.

That's why we've crunched the numbers and broken down Toyota Highlander insurance rates by model year. Choose a specific Highlander model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've included some additional information you might find helpful, too, like available trims, base price, and even the cheapest insurance carrier for each year the Highlander has been around.

Choose Your Model

2021 Toyota Highlander Car Insurance 2020 Toyota Highlander Car Insurance 2019 Toyota Highlander Car Insurance 2018 Toyota Highlander Car Insurance 2017 Toyota Highlander Car Insurance 2016 Toyota Highlander Car Insurance 2015 Toyota Highlander Car Insurance 2014 Toyota Highlander Car Insurance 2013 Toyota Highlander Car Insurance 2012 Toyota Highlander Car Insurance 2011 Toyota Highlander Car Insurance 2010 Toyota Highlander Car Insurance

2021 Toyota Highlander Car Insurance

If you're looking for a brand new Toyota Highlander, you've got options. A base model Highlander will put you back $34,810 (plus taxes and other fees), but with 11 different trim levels to pick from, the price can go up from there.

On average, it costs about $91 a month to insure a 2021 Toyota Highlander for liability only and $154 per month for full coverage. And if you want the cheapest insurance possible, Hugo offers liability only policies for sometimes as cheap as $19 monthly.

Although this gave you a good idea of what the average 2021 Highlander will cost to insure, you'll never know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can gather several quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Toyota Highlander Car Insurance

If you're looking to buy a 2020 Highlander or already own one, you can expect an average auto insurance rate of around $180 for full coverage or $94 for a liability only policy.

And if you're just looking for the most affordable car insurance for your Highlander, Safeco offers liability only policies for as little as just $25 per month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2019 Toyota Highlander Car Insurance

You can expect full coverage for a 2019 Highlander to run about $169 monthly, while liability only coverage will average around $96 a month.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as low as $19 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2018 Toyota Highlander Car Insurance

On average, drivers who own a 2018 Toyota Highlander can expect to pay $98 to $152 monthly for liability only and full coverage insurance, respectively.

American Family has premiums as cheap as $24 a month for the 2018 Toyota Highlander.

Want to figure out exactly what you'll be asked to pay? Get a variety of free customized quotes by just entering your ZIP code below.

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2017 Toyota Highlander Car Insurance

The average cost to insure a 2017 Highlander with liability only coverage is $103 monthly, while full coverage runs about $153 a month.

With prices as little as $22 per month, Commonwealth Casualty offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2016 Toyota Highlander Car Insurance

It costs around $66 monthly for liability or $129 for a full coverage policy for the 2016 Toyota Highlander.

If you're looking for the most affordable 2016 Toyota Highlander insurance policy, Liberty Mutual offered the most affordable policy we found, with rates sometimes as little as $19 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Toyota Highlander Car Insurance

2015 Highlander drivers can expect to pay an average of $71 per month for liability or $133 for full coverage.

We found Mercury offered the lowest policy, with rates as low as $22 a month.

Interested in just how much you'll pay? Enter your ZIP code below to get lots of customized quotes for free.

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2014 Toyota Highlander Car Insurance

It costs about $104 monthly for liability or $169 for a full coverage policy for the 2014 Toyota Highlander.

With premiums sometimes as cheap as $26 per month, Workmens offered the most affordable policy we found for the 2014 Toyota Highlander.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2013 Toyota Highlander Car Insurance

The average cost to insure a 2013 Highlander with liability only coverage is $81 a month, while full coverage runs around $134 per month.

MetroMile offered the lowest policy we found, with rates as low as just $19 monthly.

Want to find the best rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing lots of personalized quotes from the nation's top insurance carriers.

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2012 Toyota Highlander Car Insurance

On average, drivers who own a 2012 Toyota Highlander can expect to pay $82 to $141 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2012 Toyota Highlander insurance policy, MetLife offered the cheapest policy we found, with rates as cheap as just $22 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2011 Toyota Highlander Car Insurance

You can expect full coverage for a 2011 Highlander to run about $139 a month, while liability only coverage will average around $68 monthly.

With prices sometimes as low as $19 a month, Mercury offered the most affordable policy we found.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2010 Toyota Highlander Car Insurance

2010 Toyota Highlander drivers can expect to pay an average of $70 per month for liability or $127 for full coverage.

We found StateAuto offered the lowest policy, with rates as cheap as $18 monthly.

If you want to know exactly how much you can expect to pay for your Highlander, just enter your ZIP code below and get several free quotes in minutes.

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Toyota Highlander Insurance FAQs

Is a Toyota Highlander expensive to insure?

Liability insurance runs an average of $75 a month, while full coverage will cost you around $137. The Toyota Highlander is relatively cheap to insure compared to the average vehicle.

How can I get the best price on car insurance for my Toyota Highlander?

There's only one way to confirm you're getting the cheapest rates -- checking prices regularly and comparing quotes from a whole range of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Highlander affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car before? Well, that's just a myth. While there are several things car insurance companies use when they decide how much your policy will be, the color of your Toyota Highlander is not used to make that determination.

Do I need to have insurance before I buy a Toyota Highlander?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a an SUV is to talk with your auto insurance company before you buy.

What car insurance discounts can I get for my Toyota Highlander?

You will find all sorts of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your Highlander and more on you, but if your Highlander has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to know is to contact your insurance carrier and ask about which discounts they offer.