2014 Toyota Highlander Car Insurance Calculator

Learn and understand how different driver, vehicle, and coverage options impact the cost of car insurance for a 2014 Toyota Highlander. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2014 Toyota Highlander is $1,568 per year, or about $131 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

$1,568

Cost Per Month

$131

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 2014 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.

$1,568
Average Rate
Your Rate
$1,568

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 2014 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 2014 Toyota Highlander is $1,568.

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.

2014 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2014 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.

2014 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,250-$318
2Ford Edge$1,278-$290
3Toyota Venza$1,304-$264
4Toyota FJ Cruiser$1,354-$214
5Nissan Xterra$1,360-$208
6Ford Flex$1,426-$142
7Ford Explorer$1,430-$138
8Kia Sorento$1,452-$116
9Dodge Journey$1,460-$108
10Jeep Cherokee$1,468-$100
11Honda Pilot$1,476-$92
12Nissan Murano$1,486-$82
13Dodge Durango$1,496-$72
2014 Midsize SUV Average$1,498-$70
14Chevrolet Traverse$1,502-$66
15Toyota 4Runner$1,504-$64
16GMC Acadia$1,516-$52
17Hyundai Santa Fe$1,546-$22
18Jeep Wrangler$1,558-$10
19Toyota Highlander$1,568--
20Mazda CX-9$1,572$4
21Jeep Grand Cherokee$1,668$100
22Volkswagen Touareg$1,742$174
23Nissan Pathfinder$1,750$182
24Buick Enclave$1,784$216

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.

2014 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 Toyota Highlander Insurance Rates by Trim Level
2014 Toyota Highlander Trim Level Annual Premium Cost Per Month
LE 2WD$1,410$118
LE 4WD$1,452$121
Plus 2WD$1,452$121
Plus 4WD$1,494$125
Limited 2WD$1,534$128
XLE 2WD$1,534$128
Limited 4WD$1,578$132
Platinum 2WD$1,578$132
Platinum 4WD$1,578$132
XLE 4WD$1,578$132
Hybrid 4WD$1,732$144
Hybrid Limited 4WD$1,732$144
Hybrid Platinum 4WD$1,732$144

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 2014 Toyota Highlander for different driver ages.

2014 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,704$475
17$5,487$457
18$4,839$403
19$4,435$370
20$3,376$281
21$3,220$268
22$2,868$239
23$2,381$198
24$2,240$187
25$1,814$151
30$1,666$139
35$1,612$134
40$1,568$131
45$1,476$123
50$1,400$117
55$1,308$109
60$1,310$109
65$1,396$116
70$1,518$127
75$1,808$151
80$2,232$186

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.