Toyota Highlander Insurance Cost

Auto insurance for a Toyota Highlander will cost about $1,688 per year.

This beats the national average for popular SUV models by $379. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Toyota Highlander. Visit our Competitive Quote Tool to see if you can find lower rates for a Highlander.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Toyota Highlander insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Toyota Highlander Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,717 $8,515 $10,066
18 $5,328 $7,936 $9,381
19 $4,708 $7,013 $8,290
20 $4,105 $6,115 $7,229
21 $3,443 $5,128 $6,062
22 $3,353 $4,994 $5,904
23 $2,934 $4,370 $5,166
24 $2,787 $4,152 $4,907
25 $2,405 $3,583 $4,235
30 $1,874 $2,791 $3,299
35 $1,755 $2,614 $3,090
40 $1,688 $2,514 $2,972
45 $1,642 $2,446 $2,892
55 $1,506 $2,244 $2,652
65 $1,571 $2,340 $2,766
75 $1,983 $2,954 $3,492

Toyota Highlander car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Toyota Highlander by state.

Toyota Highlander Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,788 $2,505 $3,135
Alaska $1,479 $2,154 $2,257
Arizona $1,672 $2,594 $3,699
Arkansas $1,833 $2,777 $3,107
California $2,041 $3,570 $2,041
Colorado $1,905 $2,637 $3,290
Connecticut $2,434 $3,763 $4,819
Delaware $2,015 $2,774 $3,683
Florida $2,399 $3,258 $4,248
Georgia $1,956 $3,014 $3,093
Hawaii $781 $1,078 $781
Idaho $1,357 $1,827 $2,274
Illinois $1,421 $2,100 $2,435
Indiana $1,460 $2,281 $2,662
Iowa $1,156 $1,734 $2,021
Kansas $1,538 $2,264 $2,682
Kentucky $2,223 $3,344 $3,933
Louisiana $2,854 $4,362 $4,696
Maine $1,079 $1,448 $2,112
Maryland $1,747 $2,561 $3,024
Massachusetts $1,401 $2,369 $1,401
Michigan $3,380 $5,081 $7,813
Minnesota $1,391 $1,869 $2,767
Mississippi $1,680 $2,537 $2,680
Missouri $1,583 $2,180 $2,819
Montana $1,609 $2,518 $2,777
Nebraska $1,360 $1,926 $2,190
Nevada $2,243 $3,387 $3,715
New Hampshire $1,561 $2,515 $3,203
New Jersey $1,719 $2,711 $3,497
New Mexico $1,756 $2,527 $2,838
New York $1,626 $2,118 $3,419
North Carolina $1,008 $1,628 $1,254
North Dakota $1,380 $2,124 $2,696
Ohio $1,230 $2,012 $2,084
Oklahoma $1,964 $2,950 $3,346
Oregon $1,788 $2,700 $3,097
Pennsylvania $1,506 $2,277 $2,613
Rhode Island $2,514 $3,858 $4,412
South Carolina $1,707 $2,471 $3,526
South Dakota $1,532 $2,108 $2,528
Tennessee $1,801 $2,695 $3,400
Texas $1,814 $2,670 $3,352
Utah $1,543 $2,232 $3,078
Vermont $1,188 $1,900 $2,077
Virginia $1,119 $1,685 $1,790
Washington $1,481 $2,226 $2,624
West Virginia $1,491 $2,171 $2,681
Wisconsin $1,486 $2,169 $2,635
Wyoming $1,387 $2,039 $2,279

Other Toyota Highlander Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Toyota Highlander costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: