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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Toyota Highlander owner pays around $96 per month for liability-only insurance and $177 for full coverage. The Highlander costs less to insure than the national average, thanks to its high safety ratings and below-average repair costs.[1]
But your personal premiums can vary based on several factors, like your driving habits, your age, and where you live. We’ll explain what affects your Toyota Highlander insurance and how you can get the cheapest coverage for your SUV.
Mile Auto offers the cheapest Toyota Highlander rates — just $62 per month.
The average monthly premium can vary depending on where you live, ranging from $67 in North Carolina to $346 in New York.
Some of the best insurance companies for your Highlander include Nationwide, State Farm, and Travelers.
How much you pay for auto insurance largely depends on the type of policy you choose. Liability-only insurance costs less but covers only injuries and property damage you may cause to others.
Full-coverage insurance is more expensive but also includes collision and comprehensive coverage, which offer additional protection for you and your vehicle. Most lenders require you to purchase a full-coverage policy if you finance or lease your car.[2]
Let’s take a look at the average monthly rates for each Highlander policy type and how they compare to the national average for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Highlander | $96 | $177 | $136 |
| All vehicles | $107 | $197 | $152 |
On average, Highlander drivers pay $96 per month for liability-only insurance and $177 for full coverage, according to our data. But depending on your circumstances, your rate may be higher or lower than average.
Get quotes from top insurers to find out how much you can save.
While the Toyota Highlander already has relatively low rates, you could save even more by choosing the right insurance company. Comparing quotes from at least three insurers can help you get the best possible rate.
The table below lists the five cheapest car insurance companies for the Highlander, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| Certainly | $74 |
| Travelers | $81 |
| Clearcover | $87 |
| Nationwide | $88 |
Mile Auto offers the cheapest average premium for Highlander owners, at $62 per month. But remember that your personal rate may differ from the average. Insurers use many factors when determining prices, including your driving record and location.
Let’s take a closer look at how certain factors affect your insurance rates.
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Cost is important when choosing an insurer, but some drivers need more than just the cheapest rate. We’ve analyzed costs, coverages, discounts, and customer reviews to find three of the best insurance companies for different Highlander drivers.
Compare.com Rating: 4.88 out of 5
Flexible coverage options
Above-average J.D. Power claims satisfaction rating
Below-average customer satisfaction rating in most regions
Available in only 46 states
While Nationwide has relatively low customer satisfaction ratings across most of the U.S., J.D. Power ranks its SmartRide program No. 1 for usage-based insurance (UBI).
With SmartRide, you’ll get a discount just for enrolling and save even more if you’re a safe driver. Alternatively, you can opt for SmartMiles if you don’t drive often, which gives you a flexible monthly rate based on your mileage.
Compare.com Rating: 5.0 out of 5
Offers multiple discounts
Above-average claims satisfaction rating from J.D. Power
Few coverage options available
Not available in Massachusetts or Rhode Island
State Farm offers several discounts, with many designed specifically for younger drivers and students. For example, your teen or young driver can earn some savings with the insurer’s Steer Clear and Drive Safe & Save programs. The company also offers discounts to students who maintain good grades.
Compare.com Rating: 4.23 out of 5
Several discounts available
Offers gap insurance and accident forgiveness
Below-average claims and customer satisfaction
Available in only 42 states
Travelers has some of the cheapest rates for the Toyota Highlander, partly due to its broad range of discounts. You may earn more savings if you own a home, have a safe driving record, own a hybrid or electric vehicle, or have a student on your policy.
Average rates start as low as $62 per month.
Your Highlander’s age can affect your insurance premiums, primarily because vehicle values and repair costs decrease over time.[3] In other words, newer Highlander models typically cost more to insure than older models because they’re worth more.
The table below lists the average premiums for different Highlander model years, according to Compare.com data.
Highlander Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $186 | Mile Auto | $84 |
| 2023 | $179 | Mile Auto | $81 |
| 2022 | $163 | Mile Auto | $74 |
| 2021 | $155 | Mile Auto | $70 |
| 2020 | $150 | Mile Auto | $68 |
| 2019 | $147 | Mile Auto | $66 |
| 2018 | $132 | Mile Auto | $60 |
| 2017 | $137 | Mile Auto | $62 |
| 2016 | $140 | Mile Auto | $63 |
| 2015 | $130 | Mile Auto | $59 |
| 2014 | $143 | Mile Auto | $65 |
In addition to your vehicle’s age, where you live can have a significant effect on how much you pay for car insurance.
Insurance companies use your location when setting your rates. That’s because different states have different rates of thefts, accidents, repair costs, and other risk factors that affect insurance costs.
The table below lists average monthly Highlander premiums by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $90 |
| Arizona | $120 |
| Arkansas | $172 |
| California | $173 |
| Colorado | $141 |
| Connecticut | $273 |
| Delaware | $167 |
| Florida | $176 |
| Georgia | $178 |
| Idaho | $91 |
| Illinois | $112 |
| Indiana | $97 |
| Iowa | $82 |
| Kansas | $110 |
| Kentucky | $176 |
| Louisiana | $162 |
| Maine | $107 |
| Maryland | $247 |
| Massachusetts | $135 |
| Michigan | $211 |
| Minnesota | $135 |
| Mississippi | $135 |
| Missouri | $132 |
| Montana | $109 |
| Nebraska | $126 |
| Nevada | $214 |
| New Hampshire | $82 |
| New Jersey | $142 |
| New Mexico | $104 |
| New York | $346 |
| North Carolina | $67 |
| North Dakota | $104 |
| Ohio | $91 |
| Oklahoma | $116 |
| Oregon | $116 |
| Pennsylvania | $117 |
| Rhode Island | $103 |
| South Carolina | $197 |
| South Dakota | $87 |
| Tennessee | $101 |
| Texas | $160 |
| Utah | $131 |
| Vermont | $98 |
| Virginia | $130 |
| Washington | $100 |
| District of Columbia | $204 |
| West Virginia | $104 |
| Wisconsin | $91 |
| Wyoming | $87 |
Your age is one of the most important rating factors insurers use when determining your car insurance premiums. Younger drivers typically pay more for insurance because they’re less likely to follow traffic laws, which can result in more accidents. But seniors’ years of driving experience tend to pay off in the form of lower rates.
Let’s take a look at the average rates for different age groups, according to data from Compare.com
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $256 | Mile Auto | $116 |
| Adults | $125 | Mile Auto | $56 |
| Seniors | $105 | Mile Auto | $47 |
The average premium for teen Highlander drivers is more than double the rate for seniors. But choosing the right insurance company and maintaining a safe driving record can still help you score significant savings.
Insurance companies also use your driving record to determine your rate. Risky driving can increase your premium, especially if you get a DUI or cause an accident.[4]
The table below shows just how much these infractions can cost you, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $136 | Mile Auto | $62 |
| Speeding ticket | $189 | Mile Auto | $86 |
| At-fault accident | $197 | Mile Auto | $89 |
| DUI | $224 | Mile Auto | $101 |
Getting a speeding ticket could raise your rate by an average of 39% if you drive a Highlander. More serious infractions, like a DUI, can increase your premium even more.
But switching to a cheaper insurance company like Mile Auto could help relieve some of that extra cost.
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The 2025 Toyota Highlander has a five-star safety rating from the National Highway Traffic Safety Administration, which helps keep premiums relatively low. Other Highlander features that help keep you safe and reduce your rates include:[5]
Forward collision warning
Lane-departure warning
Crash-imminent braking
Dynamic brake support
Backup camera
Blind-spot monitoring
Pedestrian detection
Dynamic radar cruise control
Many of these features help reduce your risk of getting in an accident. And the less likely insurers think you are to make a claim, the less you’ll pay for coverage.
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While the Highlander’s safety features help keep insurance costs low, some additional steps you can take to maximize your savings include:
Buy an older model. Older Highlander models typically cost less to repair and replace, which can reduce your insurance rates.
Choose a less expensive trim: The Toyota Highlander has 10 trim levels. A cheaper trim like the LE or XLE can cost less to insure compared to more expensive options like the XSE, Limited, or Platinum trims.
Skip all-wheel drive (AWD): While AWD may make sense in some areas, it can increase your Highlander’s repair costs. Opting for front-wheel drive (FWD) instead may save you money.
Adjust your deductible: Your car insurance deductible is the amount you pay if you file a collision or comprehensive claim. Raising it can lower your monthly premium — just make sure you can afford the extra out-of-pocket expense.[6]
Shop around: Regularly shopping around for coverage can help you ensure you always have the best possible rate.
Compare personalized quotes and save today.
Whether you own a Toyota Highlander or plan to buy one, we’re here to help. Below, we’ve answered some of the most common questions about Highlander insurance.
Not really. The Highlander costs an average of $136 per month to insure — less than the national average for all vehicles. But depending on your situation, you could pay more or less than average.
Mile Auto offers the lowest average rate for Highlander drivers, at $62 per month, according to Compare.com data. Comparing rates from multiple insurance companies can help you find the best fit for you.
The 2024 Toyota Highlander costs an average of $186 per month to insure. Mile Auto offers the cheapest average 2024 Highlander rates — just $84 per month.
The 4Runner is the cheapest Toyota to insure, with an average premium of $122 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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The Toyota Highlander costs an average of $136 per month to insure, which is cheaper than the U.S. national average for all vehicles.
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