Toyota Highlander Car Insurance Cost
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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
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Average auto insurance premium: $136/month
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Most affordable companies: Progressive ($85/month) & USAA ($90/month)
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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.
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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:
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Virginia car insurance – $1,154 per year
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West Virginia car insurance – $1,367 per year
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New York car insurance – $1,840 per year
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Georgia – $1,869 per year
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Arizona – $1,732 per year
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.
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2021 Toyota Highlander
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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