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Toyota Highlander Hybrid Car Insurance Cost

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Looking for a new or used Toyota Highlander Hybrid? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Highlander Hybrid facts

  • Average auto insurance premium: $172/month

  • Most affordable companies: Erie ($113/month) & State Farm ($118/month)

  • Highlander Hybrid insurance cost vs. average rate: $11 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Highlander Hybrid by model year and auto insurer.

Below average Toyota Highlander Hybrid insurer costs by state:

How much does it cost to insure my Toyota Highlander Hybrid?

Select the year of your car

2021 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$2,065

List Price

$38,510

Trims Available

LE - LE Plus - XLE - SE - Limited - Limited Platinum w/ Blind Spot Monitor (BSM) with Rear Cross-Traffic Alert (RCTA) - Toyota Safety Sense 2.5+ (TSS 2.5+) - Dynamic Torque Vectoring AWD - Sport-Tuned Suspension

2020 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,955

List Price

$38,200

Trims Available

LE - LE Plus - XLE - SE - Limited - Limited Platinum w/ Blind Spot Monitor (BSM) with Rear Cross-Traffic Alert (RCTA) - Toyota Safety Sense 2.5+ (TSS 2.5+) - Dynamic Torque Vectoring AWD - Sport-Tuned Suspension

2019 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,894

List Price

$37,520

Trims Available

LE - LE Plus - XLE - SE - Limited - Limited Platinum w/ Blind Spot Monitor (BSM) with Rear Cross-Traffic Alert (RCTA) - Toyota Safety Sense 2.5+ (TSS 2.5+) - Dynamic Torque Vectoring AWD - Sport-Tuned Suspension

2018 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,840

List Price

$36,870

Trims Available

LE - LE Plus - XLE - SE - Limited - Limited Platinum w/ Blind Spot Monitor (BSM) with Rear Cross-Traffic Alert (RCTA) - Toyota Safety Sense 2.5+ (TSS 2.5+) - Dynamic Torque Vectoring AWD - Sport-Tuned Suspension

2017 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,055

List Price

$36,270

Trims Available

LE - XLE - Limited - Limited Platinum - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2016 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,544

List Price

$40,870

Trims Available

LE - XLE - Limited - Limited Platinum - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2015 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,195

List Price

$47,850

Trims Available

Limited - Limited Platinum

2014 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,175

List Price

$47,300

Trims Available

Limited - Limited Platinum

2013 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,134

List Price

$40,170

Trims Available

Base - Limited

2012 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,021

List Price

$38,715

Trims Available

Base - Limited

2011 Toyota Highlander Hybrid

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Average Cost to Insure Per Year

$1,009

List Price

$38,140

Trims Available

Base - Limited

Risk factors affecting Highlander Hybrid rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Highlander Hybrid Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as "Top Safety Pick+" (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn't necessarily mean lower repair costs in the event of an accident. Still, it does protect the car's occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

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