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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 |
Compare Toyota Highlander To Other Toyota Models
- Toyota 4Runner Car Insurance
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- Toyota RAV4 Car Insurance
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- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
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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.
