2013 Toyota Highlander Car Insurance Calculator

Explore and understand how changing risk factors impact car insurance rates for a 2013 Toyota Highlander. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately if your rates increased or decreased.

The average estimated car insurance premium for a 2013 Toyota Highlander is $1,458 per year, or about $122 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,458

Cost Per Month

$122

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Highlander Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Toyota Highlander.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,458
Average Rate
Your Rate
$1,458

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Toyota Highlander trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Toyota Highlander is $1,458.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2013 Toyota Highlander against all other models in the midsize SUV segment. The Toyota Highlander is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Highlander, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Highlander.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Toyota FJ Cruiser$1,302-$156
2Ford Flex$1,306-$152
3Ford Edge$1,318-$140
4Subaru Outback$1,320-$138
5Honda Pilot$1,368-$90
6Nissan Xterra$1,374-$84
7Chevrolet Traverse$1,384-$74
8Dodge Journey$1,420-$38
9Kia Sorento$1,438-$20
10Mazda CX-9$1,452-$6
11Toyota Highlander$1,458--
12Jeep Grand Cherokee$1,466$8
2013 Midsize SUV Average$1,476$18
13Toyota Venza$1,478$20
14Jeep Wrangler$1,498$40
15Ford Explorer$1,520$62
16Hyundai Santa Fe$1,528$70
17Nissan Pathfinder$1,534$76
18Dodge Durango$1,538$80
19Nissan Murano$1,544$86
20Toyota 4Runner$1,558$100
21GMC Acadia$1,578$120
22Buick Enclave$1,716$258
23Volkswagen Touareg$1,858$400

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Toyota Highlander.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Toyota Highlander Insurance Rates by Trim Level
2013 Toyota Highlander Trim Level Annual Premium Cost Per Month
2WD$1,338$112
4WD$1,380$115
Plus 2WD$1,380$115
Plus 4WD$1,446$121
SE 2WD$1,446$121
SE 4WD$1,446$121
Limited 2WD$1,484$124
Limited 4WD$1,484$124
Hybrid 4WD$1,552$129
Hybrid Limited 4WD$1,632$136

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Toyota Highlander for different driver ages.

2013 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,385$449
17$5,140$428
18$4,463$372
19$4,120$343
20$3,121$260
21$2,976$248
22$2,644$220
23$2,222$185
24$2,080$173
25$1,684$140
30$1,538$128
35$1,504$125
40$1,458$122
45$1,374$115
50$1,310$109
55$1,222$102
60$1,224$102
65$1,298$108
70$1,434$120
75$1,722$144
80$2,122$177

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Highlander trim levels.