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? 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 facts

  • Average auto insurance premium: $136/month

  • Most affordable companies: Progressive ($85/month) & USAA ($90/month)

  • Highlander insurance cost vs. average rate: $64 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Highlander 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 insurer costs by state:

Risk factors affecting Toyota Highlander 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 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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1349
Allied$2219
Allstate$1741
American Family$1542
Arbella$1600
Auto-Owners$2234
Erie$1138
GEICO$1176
Mercury$1656
MetLife$2203
Nationwide$1195
Progressive$1024
Safe Auto$1938
State Farm$1316
Tennessee Farmers$1614
Travelers$1805
USAA$1062

Compare all 2021 Toyota Highlander rates

Average Cost to Insure Per Year

$1632

List Price

$34910

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1335
Allstate$1711
American Family$1490
Erie$1087
GEICO$1090
Mercury$1635
MetLife$2130
Nationwide$1146
Progressive$980
Safe Auto$1905
State Farm$1304
Tennessee Farmers$1561
Travelers$1786
USAA$1033
Vermont Mutual$2004

Compare all 2020 Toyota Highlander rates

Average Cost to Insure Per Year

$1499

List Price

$34600

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1688
American Family$1459
Erie$1008
Farmers$1329
GEICO$987
Mercury$1609
MetLife$2054
Nationwide$1139
Progressive$923
Safe Auto$1859
State Farm$1257
Tennessee Farmers$1538
Travelers$1739
USAA$1054
Vermont Mutual$1957

Compare all 2019 Toyota Highlander rates

Average Cost to Insure Per Year

$1319

List Price

$32375

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1114
Acuity$ 1114
Allied$ 1077
Allied$ 1077
Arbella$ 1208
Arbella$ 1208
Country$ 1160
Country$ 1160
Erie$ 778
Erie$ 778
GEICO$ 760
GEICO$ 760
Nationwide$ 1013
Nationwide$ 1013
Plymouth Rock Insurance$ 1155
Plymouth Rock Insurance$ 1155
Progressive$ 901
Progressive$ 901
Tennessee Farmers$ 969
Tennessee Farmers$ 969
USAA$ 919
USAA$ 919
Vermont Mutual$ 1032
Vermont Mutual$ 1032

Compare all 2018 Toyota Highlander rates

Average Cost to Insure Per Year

$1204

List Price

$31230

Trims Available

LE - LE Plus - XLE - SE - 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)

2017 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1091
Acuity$ 1091
Allied$ 1098
Allied$ 1098
Erie$ 753
Erie$ 753
GEICO$ 735
GEICO$ 735
Nationwide$ 996
Nationwide$ 996
Plymouth Rock Insurance$ 1123
Plymouth Rock Insurance$ 1123
Progressive$ 883
Progressive$ 883
State Farm$ 1102
State Farm$ 1102
Tennessee Farmers$ 961
Tennessee Farmers$ 961
Texas Farm Bureau$ 809
Texas Farm Bureau$ 809
USAA$ 1001
USAA$ 1001
Vermont Mutual$ 979
Vermont Mutual$ 979

Compare all 2017 Toyota Highlander rates

Average Cost to Insure Per Year

$1080

List Price

$30630

Trims Available

LE - LE Plus - XLE - SE - 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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1047
Acuity$ 1047
Country$ 1066
Country$ 1066
Erie$ 680
Erie$ 680
GEICO$ 625
GEICO$ 625
Nationwide$ 999
Nationwide$ 999
Plymouth Rock Insurance$ 1092
Plymouth Rock Insurance$ 1092
Progressive$ 796
Progressive$ 796
State Farm$ 1060
State Farm$ 1060
Tennessee Farmers$ 917
Tennessee Farmers$ 917
Texas Farm Bureau$ 783
Texas Farm Bureau$ 783
USAA$ 880
USAA$ 880
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2016 Toyota Highlander rates

Average Cost to Insure Per Year

$ 1008

List Price

$ 30490

Trims Available

LE - LE Plus - XLE - Limited - Limited Platinum

2015 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1027
Acuity$ 1027
Country$ 1078
Country$ 1078
Erie$ 700
Erie$ 700
GEICO$ 773
GEICO$ 773
Nationwide$ 1085
Nationwide$ 1085
Plymouth Rock Insurance$ 1084
Plymouth Rock Insurance$ 1084
Progressive$ 902
Progressive$ 902
State Farm$ 1082
State Farm$ 1082
Tennessee Farmers$ 930
Tennessee Farmers$ 930
Texas Farm Bureau$ 768
Texas Farm Bureau$ 768
USAA$ 909
USAA$ 909
Vermont Mutual$ 898
Vermont Mutual$ 898

Compare all 2015 Toyota Highlander rates

Average Cost to Insure Per Year

$ 1029

List Price

$ 29765

Trims Available

LE - LE Plus - XLE - Limited - Limited Platinum

2014 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 958
Acuity$ 958
Country$ 1026
Country$ 1026
Erie$ 662
Erie$ 662
GEICO$ 638
GEICO$ 638
Nationwide$ 1032
Nationwide$ 1032
Plymouth Rock Insurance$ 1051
Plymouth Rock Insurance$ 1051
Progressive$ 833
Progressive$ 833
State Farm$ 983
State Farm$ 983
Tennessee Farmers$ 898
Tennessee Farmers$ 898
Texas Farm Bureau$ 744
Texas Farm Bureau$ 744
USAA$ 824
USAA$ 824
Vermont Mutual$ 841
Vermont Mutual$ 841

Compare all 2014 Toyota Highlander rates

Average Cost to Insure Per Year

$ 965

List Price

$ 29245

Trims Available

LE - LE Plus - XLE - Limited - Limited Platinum

2013 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 893
Acuity$ 893
Arbella$ 955
Arbella$ 955
Country$ 956
Country$ 956
Erie$ 640
Erie$ 640
GEICO$ 533
GEICO$ 533
Nationwide$ 926
Nationwide$ 926
Progressive$ 784
Progressive$ 784
State Farm$ 929
State Farm$ 929
Tennessee Farmers$ 813
Tennessee Farmers$ 813
Texas Farm Bureau$ 706
Texas Farm Bureau$ 706
USAA$ 740
USAA$ 740
Vermont Mutual$ 741
Vermont Mutual$ 741

Compare all 2013 Toyota Highlander rates

Average Cost to Insure Per Year

$ 900

List Price

$ 29020

Trims Available

Base - Plus - SE - Limited

2012 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 847
Acuity$ 847
Arbella$ 937
Arbella$ 937
Country$ 924
Country$ 924
Erie$ 625
Erie$ 625
GEICO$ 515
GEICO$ 515
Nationwide$ 891
Nationwide$ 891
Progressive$ 770
Progressive$ 770
State Farm$ 838
State Farm$ 838
Tennessee Farmers$ 794
Tennessee Farmers$ 794
Texas Farm Bureau$ 696
Texas Farm Bureau$ 696
USAA$ 737
USAA$ 737
Vermont Mutual$ 700
Vermont Mutual$ 700

Compare all 2012 Toyota Highlander rates

Average Cost to Insure Per Year

$ 869

List Price

$ 28240

Trims Available

Base - SE - Limited

2011 Toyota Highlander

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 945
American Family$ 945
Arbella$ 825
Arbella$ 825
Country$ 907
Country$ 907
Erie$ 629
Erie$ 629
GEICO$ 547
GEICO$ 547
Nationwide$ 909
Nationwide$ 909
Progressive$ 787
Progressive$ 787
State Farm$ 898
State Farm$ 898
Tennessee Farmers$ 800
Tennessee Farmers$ 800
Texas Farm Bureau$ 694
Texas Farm Bureau$ 694
USAA$ 740
USAA$ 740
Vermont Mutual$ 684
Vermont Mutual$ 684

Compare all 2011 Toyota Highlander rates

Average Cost to Insure Per Year

$ 877

List Price

$ 28090

Trims Available

Base - SE - Limited