Toyota Highlander Car Insurance Cost

If you’re looking to insure a Toyota Highlander, the average cost is approximately $700 per year with New York Central Mutual Fire. However, the actual cost can vary based on factors like age, the model year of the car, and other considerations. Check out our quote tables below to get personalized estimates.

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Updated: 04 April 2024
Written by
Ahmed
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If you’re thinking about buying a Toyota Highlander, you’ll need to factor in the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s important to understand the implications before making your purchase.

Choosing the right insurance policy is essential to avoid unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of an accident to avoid being burdened with hefty out-of-pocket costs. Additionally, being at fault in accidents can lead to increases in premiums over time.

Having analyzed car insurance rates for over a decade, I’ve observed the significant variability in costs. Factors such as age, driving history, and location can all have a considerable impact on insurance premiums.

How Much Does Toyota Highlander Car Insurance Cost?

Typically, New York Central Mutual Fire provides the most competitive price, averaging $700 annually for full coverage insurance on a 2024 Toyota Highlander.

While New York Central Mutual Fire’s pricing serves as a good reference point, it’s vital to recognize that car insurance expenses can fluctuate significantly based on several factors. These factors encompass your geographical location, driving record, the model year of your vehicle, and the specific coverage options you select. A clean driving history often translates to lower premiums, whereas past accidents or traffic infractions may lead to higher costs.

Furthermore, residing in urban regions with heavy traffic may result in elevated insurance rates compared to rural areas with less congestion. Your choice of coverage also plays a role in determining your premium. For instance, comprehensive coverage, which includes protection against a wide range of incidents and collision coverage, tends to be more expensive than basic liability coverage.

Insuranceopedia serves as a valuable resource for helping you navigate through various insurance options, allowing you to compare quotes from different insurance providers to ensure that you secure the most suitable and cost-effective coverage for your needs.

2024 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $700
Erie $1,012
Capital Insurance Group $1,066
USAA $1,115
PEMCO $1,195
Mercury $1,242
California Capital $1,297
GMAC Insurance Group $1,383
Unitrin $1,394
21st Century $1,407

2023 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Victoria $329
Safeco $509
Mercury Insurance $614
Texas Farm Bureau Group $802
ALFA $909
PEMCO $945
Safety Group $974
Kemper Auto | Infinity $987
Virginia Farm Bureau $1,066
Norfolk and Dedham Group $1,067

2022 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
NatGen Advantage $235
Victoria $547
Mercury Insurance $591
American National P $610
Safeco $725
Kemper Auto $802
Union Mutual Fire Group $891
Concord Group $914
EMC Insurance $898
MMG Insurance Company $934

2021 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $20
American National P $489
Kemper Auto Premium $577
Concord Group $665
Jupiter Auto Insurance $711
Victoria $707
Countryway Insurance $758
PEMCO $829
Buckeye Insurance Group $829
Pekin Insurance $900

2020 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Concord Group $503
American National P&C $501
American National P $555
MMG Insurance Company $711
Mercury Insurance $737
Commerce Group Inc $781
EMC Insurance $898
Texas Farm Bureau Group $934
PEMCO $975
Rural Mutual Insurance $987

2019 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $430
American National P&C $533
American National P $554
Union Mutual Fire Group $561
AssuranceAmerica Mobile Max $628
SAFECO $669
Dairyland Broadform $660
Mercury Insurance $825
Kemper Personal Insurance $850
NatGen Value $886

2018 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
NatGen Advantage $500
American National P&C $574
American National P $561
AssuranceAmerica Mobile Max $609
Dairyland Broadform $622
Kemper Auto Premium $651
Dairyland FR Bond $671
NatGen PPA $733
Countryway Insurance $774
SAFECO $823

2017 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
American National P&C $545
Kemper Personal Insurance $635
AssuranceAmerica Mobile Max $696
American National P $704
Mercury Insurance $731
Ameriprise Group $755
Infinity Special $817
Loya Insurance $946
Buckeye Insurance Group $967
Concord Group $1,008

2016 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto | Infinity $273
Mercury Insurance $316
Kemper Premium $522
NatGen Custom 360 $695
Co-Operative Ins Companies $744
Union Mutual Fire Group $745
American National P $838
Concord Group $832
SAFECO $851
North Carolina Farm Bureau $908

2015 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $150
Mercury Insurance $260
American National P&C $448
Kemper Auto | Infinity $513
Kemper Premium $485
American National P $547
PEMCO $644
Patriot Group $756
Pekin Insurance $750
MO Farm Bureau Services $800

2014 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
NatGen Custom 360 $390
Buckeye Insurance Group $420
SAFECO $496
American National P $538
Concord Group $580
MMG Insurance Company $631
Ohio Mutual Ins Group $695
Patriot Group $718
Bear River $712
North Carolina Farm Bureau $761

2013 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
American National P&C $599
American National P $632
SAFECO $717
North Carolina Farm Bureau $782
SECURA Insurance $766
EMC Insurance $783
Mercury Insurance $777
Concord Group $783
Buckeye Insurance Group $789
Countryway Insurance $814

2012 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance $301
American National P $448
Kemper Auto Premium $492
Jupiter Auto Insurance $502
Concord Group $545
American National P&C $609
Buckeye Insurance Group $658
PEMCO $674
SAFECO $685
Commerce Group Inc $694

2011 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $99
SAFECO $227
American National P $409
Buckeye Insurance Group $510
Dairyland FR Bond $526
MMG Insurance Company $574
Mercury Insurance $618
Countryway Insurance $616
Ohio Mutual Ins Group $647
Patriot Group $671

2010 Toyota Highlander Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $109
SAFECO $268
AssuranceAmerica Mobile Max $367
American National P&C $410
MMG Insurance Company $488
American National P $512
Concord Group $650
Patriot Group $656
Countryway Insurance $698
Mercury Insurance $693

Cost of Toyota Highlander Car Insurance By Age

Drive Age Good Driver Recent Accident Poor Credit
17 $5,945 $8,728 $10,171
18 $5,544 $8,112 $9,496
19 $4,892 $7,196 $8,401
20 $4,280 $6,265 $7,315
21 $3,559 $5,258 $6,136
22 $3,501 $5,119 $5,975
23 $3,039 $4,465 $5,235
24 $2,888 $4,258 $4,990
25 $2,504 $3,664 $4,273
30 $1,965 $2,849 $3,329
35 $1,842 $2,662 $3,112
40 $1,746 $2,556 $3,022
45 $1,708 $2,488 $2,947
55 $1,552 $2,302 $2,697
65 $1,646 $2,381 $2,790
75 $2,042 $3,031 $3,527

Toyota Highlander Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $1,863 $2,686 $3,452
Alaska $1,555 $2,114 $2,079
Arizona $1,754 $2,526 $3,684
Arkansas $1,911 $3,001 $3,303
California $2,122 $3,751 $2,136
Colorado $1,985 $2,774 $3,523
Connecticut $2,510 $3,901 $4,984
Delaware $2,102 $2,769 $3,576
Florida $2,509 $3,437 $4,486
Hawaii $805 $1,089 $805
Idaho $1,429 $1,860 $2,269
Illinois $1,487 $2,240 $2,553
Indiana $1,499 $2,330 $2,598
Iowa $1,187 $1,660 $1,930
Kansas $1,600 $2,333 $2,737
Kentucky $2,288 $3,400 $3,990
Louisiana $2,981 $4,471 $4,845
Maine $1,129 $1,555 $2,295
Maryland $1,805 $2,655 $2,924
Massachusetts $1,438 $2,517 $1,443
Michigan $3,518 $5,332 $8,449
Minnesota $1,450 $1,908 $2,691
Mississippi $1,761 $2,504 $2,487
Missouri $1,662 $2,349 $3,097
Montana $1,667 $2,336 $2,696
Nebraska $1,410 $2,100 $2,281
Nevada $2,335 $3,471 $3,661
New Hampshire $1,605 $2,551 $3,255
New Jersey $1,792 $2,819 $3,684
New Mexico $1,807 $2,731 $2,825
New York $1,678 $2,110 $3,528
North Carolina $1,060 $1,801 $1,264
North Dakota $1,418 $2,173 $2,560
Ohio $1,273 $1,975 $2,010
Oklahoma $2,032 $2,923 $3,287
Oregon $1,862 $2,504 $2,989
Pennsylvania $1,558 $2,293 $2,666
Rhode Island $2,605 $3,818 $4,319
South Carolina $1,767 $2,442 $3,382
South Dakota $1,603 $2,304 $2,658
Tennessee $1,883 $2,757 $3,663
Texas $1,875 $2,737 $3,393
Utah $1,582 $2,236 $3,078
Vermont $1,238 $1,893 $2,002
Virginia $1,180 $1,792 $1,746
Washington $1,537 $2,073 $2,480
West Virginia $1,529 $2,208 $2,775
Wisconsin $1,558 $2,396 $2,733
Wyoming $1,449 $2,005 $2,143
Georgia $2,027 $3,043 $3,046

FAQs

Who has the cheapest car insurance for a Toyota Highlander?

New York Central Mutual Fire offers the most affordable car insurance for the 2024 Toyota Highlander.

Which company offers the best car insurance for a Toyota Highlander?

We believe that New York Central Mutual Fire provides the best car insurance for a Toyota Highlander because they offer a combination of low rates, comprehensive coverage, and excellent customer service.

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