2021 Toyota Highlander Car Insurance Calculator

Get instant feedback how changes to driver risk factors and vehicle options affect the cost of insurance for a 2021 Toyota Highlander. Set options like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if the change results in higher or lower rates.

The average estimated car insurance premium for a 2021 Toyota Highlander is $2,202 per year, or about $184 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

$2,202

Cost Per Month

$184

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 2021 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.

$2,202
Average Rate
Your Rate
$2,202

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 2021 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 2021 Toyota Highlander is $2,202.

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.

2021 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,782-$420
2Honda Passport$1,806-$396
3Chevrolet Blazer$1,816-$386
4Kia Telluride$1,832-$370
5Volkswagen Atlas$1,846-$356
6Subaru Ascent$1,860-$342
7Nissan Murano$1,920-$282
8Honda Pilot$1,928-$274
9Buick Enclave$2,000-$202
10Hyundai Palisade$2,008-$194
11Subaru Outback$2,052-$150
12Ford Explorer$2,058-$144
13GMC Acadia$2,070-$132
14Chevrolet Traverse$2,084-$118
15Kia Sorento$2,094-$108
16Toyota 4Runner$2,112-$90
2021 Midsize SUV Average$2,115-$87
17Nissan Pathfinder$2,160-$42
18Mazda CX-9$2,170-$32
19Mitsubishi Outlander Sport$2,178-$24
20Toyota Venza$2,194-$8
21Toyota Highlander$2,202--
22Hyundai Santa Fe$2,210$8
23Dodge Durango$2,290$88
24Jeep Grand Cherokee$2,350$148
25Ford Bronco$2,366$164
26Jeep Wrangler$2,392$190
27Jeep Cherokee$2,394$192
28Mitsubishi Outlander PHEV$2,402$200
29Tesla Model Y$2,750$548

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.

2021 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota Highlander Insurance Rates by Trim Level
2021 Toyota Highlander Trim Level Annual Premium Cost Per Month
L 2WD$1,936$161
L 4WD$1,998$167
LE 2WD$1,998$167
LE 4WD$1,998$167
XLE 2WD$1,998$167
Limited 2WD$2,064$172
XLE 4WD$2,064$172
Limited 4WD$2,128$177
Platinum 2WD$2,128$177
Platinum 4WD$2,128$177
Hybrid LE 2WD$2,320$193
Hybrid LE 4WD$2,320$193
Hybrid XLE 4WD$2,382$199
Hybrid Limited 2WD$2,494$208
Hybrid Limited 4WD$2,494$208
Hybrid Platinum 2WD$2,494$208
Hybrid Platinum 4WD$2,536$211

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 2021 Toyota Highlander for different driver ages.

2021 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,007$667
17$7,753$646
18$6,933$578
19$6,301$525
20$4,811$401
21$4,584$382
22$4,095$341
23$3,350$279
24$3,167$264
25$2,562$214
30$2,348$196
35$2,262$189
40$2,202$184
45$2,060$172
50$1,952$163
55$1,824$152
60$1,830$153
65$1,956$163
70$2,118$177
75$2,506$209
80$3,106$259

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.