2024 Toyota Highlander Car Insurance Calculator

Learn in real-time how changes to risk factors and vehicle options impact car insurance rates for a 2024 Toyota Highlander. Make changes to factors like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2024 Toyota Highlander is $2,132 per year, or about $178 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

$2,132

Cost Per Month

$178

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 2024 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.

$2,132
Average Rate
Your Rate
$2,132

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 2024 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 2024 Toyota Highlander is $2,132.

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.

2024 Toyota Highlander vs. the Midsize SUV Segment

The table below compares insurance rates for the 2024 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.

2024 Toyota Highlander Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,866-$266
2Nissan Murano$1,968-$164
3Subaru Outback$1,994-$138
4Buick Envista$2,004-$128
5Subaru Ascent$2,038-$94
6Volkswagen Atlas$2,078-$54
7Volkswagen Atlas Cross Sport$2,086-$46
8Ford Explorer$2,124-$8
9Toyota Highlander$2,132--
10Toyota Venza$2,136$4
11Chevrolet Traverse$2,186$54
12Mitsubishi Outlander Sport$2,198$66
13Mitsubishi Outlander PHEV$2,210$78
14Ford Edge$2,214$82
15Kia Sorento$2,222$90
16GMC Acadia$2,262$130
17Buick Enclave$2,266$134
18Honda Pilot$2,280$148
19Mazda CX-9$2,286$154
2024 Midsize SUV Average$2,314$182
20Jeep Grand Cherokee$2,342$210
21Hyundai Santa Fe$2,382$250
22Nissan Pathfinder$2,384$252
23Hyundai Palisade$2,394$262
24Chevrolet Blazer$2,416$284
25Kia Telluride$2,444$312
26Toyota 4Runner$2,510$378
27Mazda CX-90$2,522$390
28Toyota Grand Highlander$2,552$420
29Kia EV9$2,568$436
30Tesla Model Y$2,592$460
31Ford Bronco$2,600$468
32Jeep Wrangler$2,676$544
33Dodge Durango$2,872$740
34Rivian R1S$2,882$750

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.

2024 Highlander Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 Toyota Highlander Insurance Rates by Trim Level
2024 Toyota Highlander Trim Level Annual Premium Cost Per Month
LE 2WD$1,958$163
Hybrid LE 2WD$2,000$167
LE AWD$2,000$167
XLE 2WD$2,036$170
Hybrid XLE 2WD$2,068$172
XLE AWD$2,068$172
XSE 2WD$2,068$172
XSE AWD$2,112$176
Limited 2WD$2,126$177
Bronze Edition 2WD$2,126$177
Bronze Edition AWD$2,152$179
Hybrid Limited 2WD$2,160$180
Limited AWD$2,160$180
Platinum 2WD$2,180$182
Hybrid Limited AWD$2,184$182
Hybrid Platinum 2WD$2,210$184
Platinum AWD$2,210$184
Hybrid Platinum AWD$2,236$186
Hybrid LE AWD$2,248$187
Hybrid XLE AWD$2,316$193

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 2024 Toyota Highlander for different driver ages.

2024 Toyota Highlander Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,450$621
17$7,252$604
18$6,566$547
19$5,959$497
20$4,583$382
21$4,375$365
22$3,929$327
23$3,208$267
24$3,043$254
25$2,474$206
30$2,280$190
35$2,188$182
40$2,132$178
45$1,990$166
50$1,880$157
55$1,756$146
60$1,762$147
65$1,876$156
70$2,008$167
75$2,340$195
80$2,876$240

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.