Toyota Highlander Car Insurance Cost 2025
Getting insurance for a Toyota Highlander costs an average of $1,450 per year. However, the exact cost can vary based on several factors, such as your age, driving history, the model year of your car, location, and the specific coverage options you choose. You can use our quote tables below to get a more accurate estimate based on your profile and needs.
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Insuring a Toyota Highlander typically costs around $1,450 per year for full coverage, although rates can vary widely depending on your location, driving record, and coverage needs.
As a midsize SUV, the Highlander tends to be more affordable to insure than luxury or sports vehicles, thanks to its strong safety ratings and lower repair costs.
Drivers with clean records and good credit usually pay less, while those with recent claims or violations may see higher premiums. Whether you’re a new Highlander owner or looking to switch providers, understanding the average insurance cost can help you budget more effectively and find better deals.
How Much Does Toyota Highlander Car Insurance Cost?
Typically, Toyota Highlander drivers can find car insurance at an average rate of $1,450 per year. However, keep in mind that the actual rate may vary based on factors like your driving history, location, age, and the specific model year of your Highlander.
It’s important to understand that the cost of car insurance can vary significantly depending on several factors. These include your location, driving history, the model year of your car, and the coverage options you choose. A clean driving record can lead to lower premiums, while a history of accidents or traffic violations can increase your rates.
Furthermore, living in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also influences your premium — comprehensive and collision coverage typically costs more than basic liability coverage.
As you can see, the cost of insurance for a Toyota Highlander is lower compared to the average for all Toyota models. However, it is still more expensive than the average for all cars.
At Insuranceopedia, we can help you compare quotes from various auto insurance providers to ensure you get the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Toyota Highlander | $135 |
| All Toyotas | $160 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Highlander By Model Year
| Model Year | Average Premium |
| 2025 Toyota Highlander | $ |
| 2024 Toyota Highlander | $1,247 |
| 2023 Toyota Highlander | $818 |
| 2022 Toyota Highlander | $774 |
| 2021 Toyota Highlander | $822 |
| 2020 Toyota Highlander | $788 |
| 2019 Toyota Highlander | $691 |
| 2018 Toyota Highlander | $662 |
| 2017 Toyota Highlander | $698 |
| 2016 Toyota Highlander | $630 |
| 2015 Toyota Highlander | $636 |
| 2014 Toyota Highlander | $569 |
| 2013 Toyota Highlander | $751 |
| 2012 Toyota Highlander | $502 |
| 2011 Toyota Highlander | $585 |
| 2010 Toyota Highlander | $490 |
2025 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2025 Toyota Highlander is $1,433. However, USAA offers the cheapest rates, averaging $1,050 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,180 |
| Progressive | $1,590 |
| State Farm | $1,180 |
| Allstate | $1,460 |
| USAA | $1,050 |
| Travelers | $1,520 |
| Nationwide | $1,480 |
| Farmers | $1,720 |
| Auto-Owners | $1,220 |
| Kemper | $1,930 |
2024 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2024 Toyota Highlander is $1,247. However, New York Central Mutual Fire offers the cheapest rates, averaging $911 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $1,169 |
| 21st Century | $1,401 |
| Erie | $1,339 |
| Mercury | $1,265 |
| New York Central Mutual Fire | $911 |
| USAA | $1,208 |
| Capital Insurance Group | $1,073 |
| GMAC Insurance Group | $1,384 |
| Unitrin | $1,416 |
| California Capital | $1,299 |
2023 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2023 Toyota Highlander is $818. However, Victoria offers the cheapest rates, averaging $345 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $596 |
| Norfolk and Dedham Group | $1,088 |
| Safety Group | $1,015 |
| PEMCO | $941 |
| Victoria | $345 |
| Texas Farm Bureau Group | $782 |
| Safeco | $519 |
| Kemper Auto | Infinity | $973 |
| Virginia Farm Bureau | $1,029 |
| ALFA | $892 |
2022 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2022 Toyota Highlander is $774. However, Mercury Insurance offers the cheapest rates, averaging $539 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $593 |
| North Carolina Farm Bureau | $953 |
| Buckeye Insurance Group | $886 |
| Rural Mutual Insurance | $819 |
| Mercury Insurance | $539 |
| MMG Insurance Company | $760 |
| American National P | $546 |
| Concord Group | $872 |
| PEMCO | $951 |
| Pekin Insurance | $824 |
2021 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2021 Toyota Highlander is $822. However, American National P offers the cheapest rates, averaging $482 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $820 |
| Wolverine Mutual | $953 |
| Mercury Insurance | $898 |
| Buckeye Insurance Group | $847 |
| American National P | $486 |
| PEMCO | $808 |
| Safeco | $625 |
| NatGen Value | $942 |
| Utica National Ins Group | $983 |
| Pekin Insurance | $858 |
2020 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2020 Toyota Highlander is $788. However, American National P offers the cheapest rates, averaging $502 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $631 |
| SECURA Insurance | $943 |
| Pekin Insurance | $926 |
| Safeco | $822 |
| American National P | $502 |
| Rural Mutual Insurance | $684 |
| Clearcover | $611 |
| MO Farm Bureau Services | $954 |
| Texas Farm Bureau Group | $950 |
| PEMCO | $852 |
2019 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2019 Toyota Highlander is $691. However, Safeco offers the cheapest rates, averaging $434 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $509 |
| Pekin Insurance | $1,007 |
| National General RAD | $856 |
| Mercury Insurance | $605 |
| Safeco | $434 |
| NatGen Value | $539 |
| American National P | $460 |
| PEMCO | $938 |
| Kemper Personal Insurance | $952 |
| AssuranceAmerica Mobile Max | $609 |
2018 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2018 Toyota Highlander is $691. However, NatGen Custom 360 offers the cheapest rates, averaging $459 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $480 |
| NatGen PPA | $844 |
| Mercury Insurance | $793 |
| Dairyland Broadform | $777 |
| Safeco | $367 |
| NatGen Advantage | $516 |
| NatGen Custom 360 | $359 |
| Dairyland FR Bond | $846 |
| Titan | $870 |
| American National P | $770 |
2017 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2017 Toyota Highlander is $698. However, Safeco offers the cheapest rates, averaging $347 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $418 |
| Kemper Premium | $967 |
| PEMCO | $847 |
| MMG Insurance Company | $717 |
| Safeco | $347 |
| AssuranceAmerica Mobile Max | $743 |
| Kemper Auto | $389 |
| Concord Group | $898 |
| American National P | $939 |
| Buckeye Insurance Group | $712 |
Find Affordable Toyota Highlander Insurance Rates
2016 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2016 Toyota Highlander is $630. However, Mercury Insurance offers the cheapest rates, averaging $679 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $510 |
| Unigard | $849 |
| NatGen Custom 360 | $758 |
| PEMCO | $616 |
| Mercury Insurance | $379 |
| North Carolina Farm Bureau | $544 |
| American National P | $465 |
| Mississippi Farm Bureau | $806 |
| Capital Insurance Group | $778 |
| Safeco | $594 |
2015 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2015 Toyota Highlander is $636. However, Mercury Insurance offers the cheapest rates, averaging $291 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $465 |
| North Carolina Farm Bureau | $937 |
| Texas Farm Bureau Group | $751 |
| PEMCO | $650 |
| Mercury Insurance | $291 |
| Safeco | $578 |
| American National P | $413 |
| MO Farm Bureau Services | $778 |
| SECURA Insurance | $861 |
| Pekin Insurance | $632 |
2014 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2014 Toyota Highlander is $569. However, Safeco offers the cheapest rates, averaging $242 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $452 |
| National General Value | $804 |
| North Carolina Farm Bureau | $695 |
| Ohio Mutual Ins Group | $607 |
| Safeco | $242 |
| American National P | $465 |
| NatGen Custom 360 | $377 |
| SECURA Insurance | $690 |
| Texas Farm Bureau Group | $702 |
| PEMCO | $653 |
2013 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2013 Toyota Highlander is $751. However, Safeco offers the cheapest rates, averaging $450 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $706 |
| Virginia Farm Bureau | $890 |
| AssuranceAmerica | $801 |
| American National P | $727 |
| Safeco | $450 |
| North Carolina Farm Bureau | $742 |
| Mercury Insurance | $651 |
| Norfolk and Dedham Group | $894 |
| MO Farm Bureau Services | $875 |
| SECURA Insurance | $771 |
2012 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2012 Toyota Highlander is $502. However, Safeco offers the cheapest rates, averaging $117 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $469 |
| Patriot Group | $727 |
| North Carolina Farm Bureau | $604 |
| National General RAD | $523 |
| Safeco | $117 |
| Concord Group | $524 |
| Mercury Insurance | $219 |
| Buckeye Insurance Group | $622 |
| Partners Mutual Insurance Co | $636 |
| MMG Insurance Company | $581 |
2011 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2011 Toyota Highlander is $585. However, Buckeye Insurance Group offers the cheapest rates, averaging $377 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $496 |
| Southern Farm Bureau | $877 |
| Western Reserve | $632 |
| Wolverine Mutual | $537 |
| Buckeye Insurance Group | $377 |
| Dairyland FR Bond | $509 |
| American National P | $425 |
| SECURA Insurance | $650 |
| Utica National Ins Group | $781 |
| Ohio Mutual Ins Group | $565 |
2010 Toyota Highlander Insurance Rates
The average annual insurance cost for a 2010 Toyota Highlander is $490. However, Safeco offers the cheapest rates, averaging $166 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $411 |
| Norfolk and Dedham Group | $669 |
| American National P | $607 |
| MMG Insurance Company | $450 |
| Safeco | $166 |
| Buckeye Insurance Group | $464 |
| Infinity Special | $324 |
| Utica National Ins Group | $628 |
| Plymouth Rock Assurance | $615 |
| Mercury Insurance | $566 |
Find Affordable Toyota Highlander Insurance Rates
Are Toyota Highlanders Expensive To Insure?
Toyota Highlanders are moderately priced to insure compared to other midsize SUVs. With strong safety ratings, dependable performance, and relatively low theft rates, insurers generally consider the Highlander a lower-risk vehicle. While insurance premiums can vary depending on the driver’s age, location, and driving history, the average annual cost is typically between $1,400 and $1,800 for full coverage. Highlanders equipped with advanced safety features may qualify for additional discounts. Overall, the Highlander is not considered expensive to insure and is a solid choice for families seeking a balance of comfort, safety, and reasonable insurance costs.
Cost of Toyota Highlander Car Insurance By Age
Age is a key factor in determining insurance rates. Teenagers generally face the highest premiums because they are statistically more likely to be involved in accidents. As you age and gain more driving experience, your premiums usually decrease, as you become a lower risk in the eyes of insurers. In your 30s and beyond, you can often expect more affordable rates, especially if you maintain a clean driving record.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,828 | $11,489 | $13,453 |
| 18 | $7,305 | $10,705 | $12,506 |
| 19 | $6,433 | $9,430 | $11,051 |
| 20 | $5,615 | $8,202 | $9,625 |
| 21 | $4,661 | $6,904 | $8,040 |
| 22 | $4,575 | $6,732 | $7,851 |
| 23 | $4,047 | $5,902 | $6,886 |
| 24 | $3,807 | $5,581 | $6,561 |
| 25 | $3,332 | $4,804 | $5,641 |
| 30 | $2,578 | $3,767 | $4,363 |
| 35 | $2,369 | $3,500 | $4,126 |
| 40 | $2,270 | $3,416 | $3,938 |
| 45 | $2,224 | $3,297 | $3,852 |
| 55 | $2,010 | $3,023 | $3,534 |
| 65 | $2,098 | $3,152 | $3,713 |
| 75 | $2,664 | $3,990 | $4,612 |
Toyota Highlander Car Insurance Rates By State
Where you live has a major impact on how much you’ll pay for car insurance. Since each state sets its own regulations for auto coverage, premiums can vary widely. For instance, drivers in Michigan often face higher insurance costs due to the state’s requirement for more extensive coverage. Additionally, your local climate can play a role—areas prone to extreme weather events like hurricanes, floods, or snowstorms may come with higher rates due to the increased risk of damage.
Beyond weather and regulations, insurance companies also consider local statistics when determining your rate. This includes crime rates, particularly car thefts, as well as accident frequency and vehicle-related fatalities in your area. All these factors help insurers calculate how risky it is to insure a Toyota Highlander in your specific location.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,425 | $3,571 | $4,516 |
| Alaska | $2,035 | $2,799 | $2,752 |
| Arizona | $2,284 | $3,289 | $4,853 |
| Arkansas | $2,502 | $3,954 | $4,342 |
| California | $2,810 | $4,938 | $2,780 |
| Colorado | $2,625 | $3,658 | $4,631 |
| Connecticut | $3,332 | $5,153 | $6,528 |
| Delaware | $2,765 | $3,669 | $4,739 |
| Florida | $3,285 | $4,520 | $5,901 |
| Hawaii | $1,041 | $1,476 | $1,029 |
| Idaho | $1,817 | $2,458 | $2,987 |
| Illinois | $1,953 | $2,933 | $3,308 |
| Indiana | $1,986 | $3,085 | $3,441 |
| Iowa | $1,581 | $2,177 | $2,557 |
| Kansas | $2,118 | $3,058 | $3,553 |
| Kentucky | $3,034 | $4,477 | $5,279 |
| Louisiana | $3,930 | $5,897 | $6,372 |
| Maine | $1,471 | $2,023 | $3,008 |
| Maryland | $2,415 | $3,506 | $3,851 |
| Massachusetts | $1,905 | $3,338 | $1,927 |
| Michigan | $4,594 | $7,039 | $11,092 |
| Minnesota | $1,881 | $2,538 | $3,573 |
| Mississippi | $2,293 | $3,267 | $3,304 |
| Missouri | $2,157 | $3,095 | $4,053 |
| Montana | $2,196 | $3,053 | $3,555 |
| Nebraska | $1,832 | $2,749 | $2,986 |
| Nevada | $3,063 | $4,548 | $4,798 |
| New Hampshire | $2,129 | $3,396 | $4,232 |
| New Jersey | $2,349 | $3,715 | $4,852 |
| New Mexico | $2,427 | $3,570 | $3,688 |
| New York | $2,233 | $2,782 | $4,689 |
| North Carolina | $1,384 | $2,362 | $1,705 |
| North Dakota | $1,908 | $2,823 | $3,390 |
| Ohio | $1,657 | $2,612 | $2,659 |
| Oklahoma | $2,648 | $3,840 | $4,290 |
| Oregon | $2,424 | $3,249 | $3,909 |
| Pennsylvania | $2,083 | $2,999 | $3,516 |
| Rhode Island | $3,452 | $5,044 | $5,645 |
| South Carolina | $2,351 | $3,232 | $4,446 |
| South Dakota | $2,072 | $3,000 | $3,506 |
| Tennessee | $2,442 | $3,608 | $4,799 |
| Texas | $2,477 | $3,597 | $4,462 |
| Utah | $2,099 | $2,969 | $4,061 |
| Vermont | $1,654 | $2,473 | $2,633 |
| Virginia | $1,521 | $2,376 | $2,306 |
| Washington | $2,005 | $2,754 | $3,324 |
| West Virginia | $2,049 | $2,890 | $3,606 |
| Wisconsin | $2,044 | $3,162 | $3,643 |
| Wyoming | $1,908 | $2,688 | $2,851 |
| Georgia | $2,634 | $3,966 | $4,041 |
Find Affordable Toyota Highlander Insurance Rates
Cheapest Car Insurance Companies For A Toyota Highlander
USAA shows an annual premium of $1,272, making it the most affordable in this table—but it’s only available to military members, veterans, and their families. GEICO and Progressive are close behind, offering competitive rates for the general public. State Farm and Nationwide round out the list with slightly higher premiums, but still among the most affordable for this vehicle.
| Insurance Company | Average Monthly |
| GEICO | $114 |
| USAA | $106 |
| Progressive | $118 |
| State Farm | $121 |
| Nationwide | $109 |
Common Toyota Highlander Insurance Discounts
Car insurance discounts can be a smart way to save money on your Toyota Highlander policy. While each insurance company offers different discounts, there are several common ones that are widely available and worth checking:
- Multi-policy discount: Bundling your auto insurance with other policies, like homeowners or renters insurance, from the same provider can lead to substantial savings.
- Pay-in-full discount: Paying your annual premium in a single lump sum instead of monthly installments may qualify you for a lower overall rate.
- Defensive driving course discount: Completing an approved defensive driving course can show insurers that you’re a safer driver, which may earn you a discount.
There are also additional discounts you might be eligible for, such as low-mileage discounts, good student discounts, or safe driver programs. It’s a good idea to talk to your insurance agent—they can help identify all the savings you’re entitled to and ensure you’re getting the best deal possible.
Ways To Save On Toyota Highlander Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Toyota Highlander insurance rates affordable. Traffic violations, like speeding tickets or at-fault accidents, can significantly increase your monthly premium. For example, drivers with a ticket on their record may pay around $90 per month, while those with multiple accidents could see rates rise to an average of $117 per month.
Your annual mileage also plays a key role in determining your insurance costs. Drivers who log fewer miles are generally considered lower risk, which translates to lower premiums. For instance, Highlander owners driving between 5,001 and 7,500 miles per year typically pay around $75 per month. Interestingly, those who drive more than 10,000 miles per year actually pay slightly less on average—around $73 per month—highlighting how other factors in your profile can influence the final rate.
Compare Toyota Highlander To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample profile used for this analysis was a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It's important to note that the rates shown in this guide are based on this sample and may vary depending on your unique circumstances and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Highlander?
Yes, you’ll need to show proof of insurance before driving your Toyota Highlander off the lot. It’s best to purchase a policy in advance and inform your insurer about your upcoming vehicle purchase, rather than getting coverage directly from the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Highlander?
The smartest way to get the lowest rates for your Toyota Highlander is to compare quotes from several auto insurance companies. Luckily, Insuranceopedia makes it easy to do just that—right on our website, you can check offers from multiple providers all in one place.
