2016 Toyota Highlander Car Insurance Calculator

View in real-time how different driver, vehicle, and coverage options impact the cost of insurance for a 2016 Toyota Highlander. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2016 Toyota Highlander is $1,806 per year, or about $151 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

$1,806

Cost Per Month

$151

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 2016 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.

$1,806
Average Rate
Your Rate
$1,806

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 2016 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 2016 Toyota Highlander is $1,806.

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.

2016 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2016 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.

2016 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,438-$368
2Chevrolet Traverse$1,512-$294
3Ford Flex$1,544-$262
4Jeep Cherokee$1,566-$240
5Dodge Journey$1,572-$234
6Dodge Durango$1,590-$216
7Toyota 4Runner$1,608-$198
8Ford Edge$1,628-$178
9Mazda CX-9$1,650-$156
10Nissan Pathfinder$1,660-$146
2016 Midsize SUV Average$1,667-$139
11Honda Pilot$1,670-$136
12Nissan Murano$1,678-$128
13Jeep Grand Cherokee$1,680-$126
14Hyundai Santa Fe$1,692-$114
15Jeep Wrangler$1,734-$72
16GMC Acadia$1,742-$64
17Buick Enclave$1,750-$56
18Ford Explorer$1,772-$34
19Toyota Highlander$1,806--
20Kia Sorento$1,816$10
21Volkswagen Touareg$1,892$86

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.

2016 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Toyota Highlander Insurance Rates by Trim Level
2016 Toyota Highlander Trim Level Annual Premium Cost Per Month
LE 2WD$1,636$136
LE 4WD$1,686$141
Plus 2WD$1,734$145
Plus 4WD$1,734$145
XLE 2WD$1,782$149
XLE 4WD$1,782$149
Limited 2WD$1,830$153
Limited 4WD$1,830$153
Platinum 2WD$1,830$153
Platinum 4WD$1,830$153
Hybrid Limited 4WD$1,980$165
Hybrid Platinum 4WD$2,028$169

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 2016 Toyota Highlander for different driver ages.

2016 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,640$553
17$6,382$532
18$5,624$469
19$5,149$429
20$3,913$326
21$3,734$311
22$3,322$277
23$2,751$229
24$2,591$216
25$2,094$175
30$1,918$160
35$1,858$155
40$1,806$151
45$1,696$141
50$1,612$134
55$1,506$126
60$1,508$126
65$1,606$134
70$1,758$147
75$2,098$175
80$2,600$217

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.