2019 Toyota Highlander Car Insurance Calculator

Learn how changes to risk factors and vehicle options affect car insurance rates for a 2019 Toyota Highlander. Modify options like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2019 Toyota Highlander is $2,012 per year, or about $168 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

$2,012

Cost Per Month

$168

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 2019 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.

$2,012
Average Rate
Your Rate
$2,012

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 2019 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 2019 Toyota Highlander is $2,012.

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.

2019 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2019 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.

2019 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volkswagen Atlas$1,734-$278
2Subaru Outback$1,770-$242
3Ford Edge$1,780-$232
4Chevrolet Traverse$1,782-$230
5Toyota 4Runner$1,794-$218
6Honda Pilot$1,826-$186
7Subaru Ascent$1,846-$166
8Nissan Murano$1,856-$156
9Mazda CX-9$1,880-$132
10Ford Explorer$1,884-$128
11Ford Flex$1,890-$122
12Honda Passport$1,912-$100
2019 Midsize SUV Average$1,927-$85
13Chevrolet Blazer$1,930-$82
14Kia Sorento$1,940-$72
15Dodge Journey$1,942-$70
16GMC Acadia$1,968-$44
17Toyota Highlander$2,012--
18Hyundai Santa Fe$2,016$4
19Dodge Durango$2,028$16
20Buick Enclave$2,040$28
21Nissan Pathfinder$2,064$52
22Jeep Grand Cherokee$2,076$64
23Jeep Cherokee$2,096$84
24Jeep Wrangler$2,188$176

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.

2019 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Toyota Highlander Insurance Rates by Trim Level
2019 Toyota Highlander Trim Level Annual Premium Cost Per Month
LE 2WD$1,810$151
LE 4WD$1,868$156
LE Plus 2WD$1,928$161
LE Plus 4WD$1,928$161
XLE 2WD$1,928$161
Limited 2WD$1,988$166
Limited 4WD$1,988$166
SE 2WD$1,988$166
SE 4WD$1,988$166
XLE 4WD$1,988$166
Limited Platinum 2WD$2,046$171
Limited Platinum 4WD$2,046$171
Hybrid 4WD$2,090$174
Hybrid LE 4WD$2,090$174
Hybrid XLE 4WD$2,148$179
Hybrid Limited 4WD$2,208$184
Hybrid Limited Platinum 4WD$2,208$184

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 2019 Toyota Highlander for different driver ages.

2019 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,328$611
17$7,096$591
18$6,352$529
19$5,771$481
20$4,404$367
21$4,196$350
22$3,751$313
23$3,063$255
24$2,895$241
25$2,340$195
30$2,148$179
35$2,066$172
40$2,012$168
45$1,884$157
50$1,784$149
55$1,668$139
60$1,674$140
65$1,790$149
70$1,936$161
75$2,290$191
80$2,842$237

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.