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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
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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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Publisher

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College. See full bio

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