Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Highlander Hybrid insurer costs by state:

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.

2021 Toyota Highlander Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2580
Allstate$2059
American Family$1819
Country Financial$2275
Erie$1364
GEICO$1602
Liberty Mutual$1785
Mercury$1934
MetLife$2361
Nationwide$1712
Progressive$1499
State Farm$1407
Tennessee Farmers$1853
Travelers$2187

Compare all 2021 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$2065

List Price

$38510

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2519
Allstate$2042
American Family$1785
Country Financial$2240
Erie$1287
GEICO$1554
Liberty Mutual$1738
Mercury$1896
Nationwide$1658
Progressive$1459
State Farm$1345
Tennessee Farmers$1808
Travelers$2149
USAA$1289

Compare all 2020 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$1955

List Price

$38200

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2508
Allstate$2015
American Family$1727
Country Financial$2168
Erie$1207
GEICO$1509
Liberty Mutual$1697
Mercury$1856
Nationwide$1624
Progressive$1430
State Farm$1318
Tennessee Farmers$1762
Travelers$2084
USAA$1126

Compare all 2019 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$1894

List Price

$37520

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2437
Allstate$1948
American Family$1700
Country Financial$2149
Erie$1135
GEICO$1480
Kentucky Farm Bureau$2257
Liberty Mutual$1627
Mercury$1835
Nationwide$1596
Progressive$1391
State Farm$1287
Tennessee Farmers$1719
Travelers$2033
USAA$1090

Compare all 2018 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$1840

List Price

$36870

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1309
Acuity$ 1309
Allied$ 1073
Allied$ 1073
Arbella$ 1252
Arbella$ 1252
Erie$ 988
Erie$ 988
Mercury$ 1254
Mercury$ 1254
Nationwide$ 1283
Nationwide$ 1283
Plymouth Rock Insurance$ 1183
Plymouth Rock Insurance$ 1183
Quincy Mutual$ 1163
Quincy Mutual$ 1163
Tennessee Farmers$ 992
Tennessee Farmers$ 992
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 1270
USAA$ 1270
Vermont Mutual$ 1214
Vermont Mutual$ 1214

Compare all 2017 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$1055

List Price

$36270

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1288
Acuity$ 1288
Allied$ 1375
Allied$ 1375
Arbella$ 1200
Arbella$ 1200
Country$ 1328
Country$ 1328
Erie$ 992
Erie$ 992
Mercury$ 1236
Mercury$ 1236
Plymouth Rock Insurance$ 1174
Plymouth Rock Insurance$ 1174
Quincy Mutual$ 1131
Quincy Mutual$ 1131
Tennessee Farmers$ 1094
Tennessee Farmers$ 1094
Texas Farm Bureau$ 961
Texas Farm Bureau$ 961
USAA$ 1410
USAA$ 1410
Vermont Mutual$ 1164
Vermont Mutual$ 1164

Compare all 2016 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$1544

List Price

$40870

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1249
Acuity$ 1249
Allied$ 1383
Allied$ 1383
Arbella$ 1222
Arbella$ 1222
Country$ 1303
Country$ 1303
Erie$ 891
Erie$ 891
Mercury$ 1222
Mercury$ 1222
Plymouth Rock Insurance$ 1161
Plymouth Rock Insurance$ 1161
Quincy Mutual$ 1107
Quincy Mutual$ 1107
Tennessee Farmers$ 1080
Tennessee Farmers$ 1080
Texas Farm Bureau$ 939
Texas Farm Bureau$ 939
USAA$ 1253
USAA$ 1253
Vermont Mutual$ 1116
Vermont Mutual$ 1116

Compare all 2015 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$ 1195

List Price

$ 47850

Trims Available

Limited - Limited Platinum

2014 Toyota Highlander Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1191
Acuity$ 1191
Allied$ 1308
Allied$ 1308
Arbella$ 1195
Arbella$ 1195
Country$ 1275
Country$ 1275
Erie$ 978
Erie$ 978
Mercury$ 1207
Mercury$ 1207
Plymouth Rock Insurance$ 1129
Plymouth Rock Insurance$ 1129
Quincy Mutual$ 1079
Quincy Mutual$ 1079
Tennessee Farmers$ 1058
Tennessee Farmers$ 1058
Texas Farm Bureau$ 917
Texas Farm Bureau$ 917
USAA$ 1196
USAA$ 1196
Vermont Mutual$ 1065
Vermont Mutual$ 1065

Compare all 2014 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$ 1175

List Price

$ 47300

Trims Available

Limited - Limited Platinum

2013 Toyota Highlander Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1139
Acuity$ 1139
Allied$ 1288
Allied$ 1288
Arbella$ 1066
Arbella$ 1066
Country$ 1218
Country$ 1218
Erie$ 787
Erie$ 787
GEICO$ 1174
GEICO$ 1174
Plymouth Rock Insurance$ 1068
Plymouth Rock Insurance$ 1068
Quincy Mutual$ 1051
Quincy Mutual$ 1051
Tennessee Farmers$ 980
Tennessee Farmers$ 980
Texas Farm Bureau$ 838
Texas Farm Bureau$ 838
USAA$ 1085
USAA$ 1085
Vermont Mutual$ 963
Vermont Mutual$ 963

Compare all 2013 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$ 1134

List Price

$ 40170

Trims Available

Base - Limited

2012 Toyota Highlander Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1059
Acuity$ 1059
Allied$ 1110
Allied$ 1110
Arbella$ 1013
Arbella$ 1013
Country$ 1158
Country$ 1158
Erie$ 781
Erie$ 781
GEICO$ 1163
GEICO$ 1163
Plymouth Rock Insurance$ 1039
Plymouth Rock Insurance$ 1039
Quincy Mutual$ 1027
Quincy Mutual$ 1027
Tennessee Farmers$ 929
Tennessee Farmers$ 929
Texas Farm Bureau$ 783
Texas Farm Bureau$ 783
USAA$ 1052
USAA$ 1052
Vermont Mutual$ 871
Vermont Mutual$ 871

Compare all 2012 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$ 1021

List Price

$ 38715

Trims Available

Base - Limited

2011 Toyota Highlander Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1010
Acuity$ 1010
Allied$ 1178
Allied$ 1178
Arbella$ 1022
Arbella$ 1022
Country$ 1102
Country$ 1102
Erie$ 760
Erie$ 760
GEICO$ 1117
GEICO$ 1117
Plymouth Rock Insurance$ 1014
Plymouth Rock Insurance$ 1014
Quincy Mutual$ 1002
Quincy Mutual$ 1002
Tennessee Farmers$ 901
Tennessee Farmers$ 901
Texas Farm Bureau$ 760
Texas Farm Bureau$ 760
USAA$ 1029
USAA$ 1029
Vermont Mutual$ 817
Vermont Mutual$ 817

Compare all 2011 Toyota Highlander Hybrid rates

Average Cost to Insure Per Year

$ 1009

List Price

$ 38140

Trims Available

Base - Limited