- The Ford Explorer wins over the Toyota Highlander, costing an average of $8 less per year to insure.
- With 34 models in the 2024 midsize SUV segment, the Toyota Highlander ranks ninth and the Ford Explorer ranks eighth for most affordable car insurance rates.
- For the 2024 model year Toyota Highlander, average insurance prices cost from $1,958 to $2,316 per year, while the insurance price for a 2024 Ford Explorer costs from $1,856 to $2,262.
Is it cheaper to insure a Toyota Highlander or Ford Explorer?
For new Highlander and Explorer models, the model having the cheapest car insurance rates is the Ford Explorer. Average insurance rates for the Toyota Highlander are $2,132 per year, and insurance for the Ford Explorer averages $2,124 per year.
Out of 20 trim levels for the 2024 Toyota Highlander, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,958 per year. For the 13 trim levels available for the Ford Explorer, the cheapest 2024 model to insure is the XLT 2WD model at a cost of $1,856 per year, or about $155 per month.
When rates are compared for the 33 trim levels of both 2024 models, the lowest-cost model and trim is the Ford Explorer XLT 2WD at a cost of $1,856 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid XLE AWD at an average cost of $2,316 per year.
The next table compares and ranks the annual and monthly cost of car insurance for 2024 Toyota Highlander and Ford Explorer models, showing average cost by trim level for each model.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Explorer XLT 2WD | $1,856 | $155 |
| Explorer XLT 4WD | $1,920 | $160 |
| Highlander LE 2WD | $1,958 | $163 |
| Highlander Hybrid LE 2WD | $2,000 | $167 |
| Highlander LE AWD | $2,000 | $167 |
| Highlander XLE 2WD | $2,036 | $170 |
| Explorer ST-Line 2WD | $2,062 | $172 |
| Highlander Hybrid XLE 2WD | $2,068 | $172 |
| Highlander XLE AWD | $2,068 | $172 |
| Highlander XSE 2WD | $2,068 | $172 |
| Explorer Limited 2WD | $2,092 | $174 |
| Explorer ST-Line 4WD | $2,110 | $176 |
| Highlander XSE AWD | $2,112 | $176 |
| Highlander Limited 2WD | $2,126 | $177 |
| Highlander Bronze Edition 2WD | $2,126 | $177 |
| Explorer Limited 4WD | $2,132 | $178 |
| Explorer Timberline 4WD | $2,132 | $178 |
| Highlander Bronze Edition AWD | $2,152 | $179 |
| Explorer ST 2WD | $2,152 | $179 |
| Highlander Hybrid Limited 2WD | $2,160 | $180 |
| Highlander Limited AWD | $2,160 | $180 |
| Highlander Platinum 2WD | $2,180 | $182 |
| Highlander Hybrid Limited AWD | $2,184 | $182 |
| Explorer ST 4WD | $2,194 | $183 |
| Highlander Hybrid Platinum 2WD | $2,210 | $184 |
| Highlander Platinum AWD | $2,210 | $184 |
| Explorer Platinum 2WD | $2,220 | $185 |
| Explorer King Ranch 2WD | $2,228 | $186 |
| Highlander Hybrid Platinum AWD | $2,236 | $186 |
| Highlander Hybrid LE AWD | $2,248 | $187 |
| Explorer Platinum 4WD | $2,258 | $188 |
| Explorer King Ranch 4WD | $2,262 | $189 |
| Highlander Hybrid XLE AWD | $2,316 | $193 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025
The chart shown below demonstrates the average cost to insure both 2024 models rated for a variety of different driver ages. For a 2024 Toyota Highlander, average car insurance cost ranges from $1,880 to $4,268 per year for the example age groups. A 2024 Ford Explorer costs from $1,882 to $4,290 to insure per year.
The next two tables show all the available trims for both 2024 models, as well as the overall average rate for each model. The cheapest to insure for the 2024 model year is the Ford Explorer.
2024 Toyota Highlander
$2,132
| 2024 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,958 |
| Hybrid LE 2WD | 2,000 |
| LE AWD | 2,000 |
| XLE 2WD | 2,036 |
| Hybrid XLE 2WD | 2,068 |
| XLE AWD | 2,068 |
| XSE 2WD | 2,068 |
| XSE AWD | 2,112 |
| Limited 2WD | 2,126 |
| Bronze Edition 2WD | 2,126 |
| Bronze Edition AWD | 2,152 |
| Hybrid Limited 2WD | 2,160 |
| Limited AWD | 2,160 |
| Platinum 2WD | 2,180 |
| Hybrid Limited AWD | 2,184 |
| Hybrid Platinum 2WD | 2,210 |
| Platinum AWD | 2,210 |
| Hybrid Platinum AWD | 2,236 |
| Hybrid LE AWD | 2,248 |
| Hybrid XLE AWD | 2,316 |
| 2024 Toyota Highlander Average Rate | $2,132 |
2024 Ford Explorer
$2,124
| 2024 Ford Explorer Trims | Rate |
|---|---|
| XLT 2WD | $1,856 |
| XLT 4WD | 1,920 |
| ST-Line 2WD | 2,062 |
| Limited 2WD | 2,092 |
| ST-Line 4WD | 2,110 |
| Limited 4WD | 2,132 |
| Timberline 4WD | 2,132 |
| ST 2WD | 2,152 |
| ST 4WD | 2,194 |
| Platinum 2WD | 2,220 |
| King Ranch 2WD | 2,228 |
| Platinum 4WD | 2,258 |
| King Ranch 4WD | 2,262 |
| 2024 Ford Explorer Average Rate | $2,124 |
2023 Toyota Highlander vs. Ford Explorer
For new Highlander and Explorer models, the cheapest model to insure is the Ford Explorer. Insurance on a Toyota Highlander costs an average of $2,284 per year, whereas insurance for a Ford Explorer averages $1,950 per year.
Out of 22 Toyota Highlander trim levels, the cheapest 2023 trim level to insure is the L 2WD trim at an average cost of $2,002 per year. Out of the 17 trim levels available for the Ford Explorer, the cheapest 2023 trim to insure is the XLT 2WD model at a cost of $1,768.
When insurance rates for all 39 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Ford Explorer XLT 2WD at a cost of $1,768 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,566 per year.
The next table compares and ranks the cost of car insurance for 2023 Toyota Highlander and Ford Explorer models, with average rates for every trim level for each model.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Explorer XLT 2WD | $1,768 | $147 |
| Explorer XLT 4WD | $1,808 | $151 |
| Explorer ST-Line 2WD | $1,898 | $158 |
| Explorer Limited 2WD | $1,918 | $160 |
| Explorer ST-Line 4WD | $1,932 | $161 |
| Explorer Base 2WD | $1,936 | $161 |
| Explorer Limited 4WD | $1,944 | $162 |
| Explorer Timberline 4WD | $1,944 | $162 |
| Explorer ST 2WD | $1,958 | $163 |
| Explorer ST 4WD | $1,978 | $165 |
| Explorer Base 4WD | $1,982 | $165 |
| Explorer Limited Hybrid 2WD | $1,992 | $166 |
| Explorer Platinum 2WD | $1,998 | $167 |
| Highlander L 2WD | $2,002 | $167 |
| Explorer King Ranch 2WD | $2,006 | $167 |
| Explorer Limited Hybrid 4WD | $2,012 | $168 |
| Explorer Platinum 4WD | $2,018 | $168 |
| Explorer King Ranch 4WD | $2,026 | $169 |
| Highlander L AWD | $2,054 | $171 |
| Highlander LE 2WD | $2,074 | $173 |
| Highlander LE AWD | $2,120 | $177 |
| Highlander XLE 2WD | $2,152 | $179 |
| Highlander XLE AWD | $2,190 | $183 |
| Highlander XSE 2WD | $2,190 | $183 |
| Highlander XSE AWD | $2,230 | $186 |
| Highlander Bronze Edition 2WD | $2,238 | $187 |
| Highlander Limited 2WD | $2,244 | $187 |
| Highlander Bronze Edition AWD | $2,270 | $189 |
| Highlander Limited AWD | $2,282 | $190 |
| Highlander Platinum 2WD | $2,300 | $192 |
| Highlander Hybrid LE 2WD | $2,324 | $194 |
| Highlander Platinum AWD | $2,336 | $195 |
| Highlander Hybrid LE AWD | $2,362 | $197 |
| Highlander Hybrid XLE 2WD | $2,396 | $200 |
| Highlander Hybrid XLE AWD | $2,428 | $202 |
| Highlander Hybrid Limited 2WD | $2,490 | $208 |
| Highlander Hybrid Limited AWD | $2,518 | $210 |
| Highlander Hybrid Platinum 2WD | $2,544 | $212 |
| Highlander Hybrid Platinum AWD | $2,566 | $214 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025
The chart below visualizes the average cost to insure both 2023 models rated for drivers aged 20 to 50. Average insurance cost ranges from $2,018 to $4,632 per year for a 2023 Toyota Highlander, and $1,718 to $3,872 for a 2023 Ford Explorer for the driver ages used.
The next two rate tables show the cost to insure the available trim levels for both 2023 models, as well as an average rate for each model. The 2023 Ford Explorer takes the win over the 2023 Toyota Highlander for cheapest auto insurance rates.
2023 Toyota Highlander
$2,284
| 2023 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $2,002 |
| L AWD | 2,054 |
| LE 2WD | 2,074 |
| LE AWD | 2,120 |
| XLE 2WD | 2,152 |
| XLE AWD | 2,190 |
| XSE 2WD | 2,190 |
| XSE AWD | 2,230 |
| Bronze Edition 2WD | 2,238 |
| Limited 2WD | 2,244 |
| Bronze Edition AWD | 2,270 |
| Limited AWD | 2,282 |
| Platinum 2WD | 2,300 |
| Hybrid LE 2WD | 2,324 |
| Platinum AWD | 2,336 |
| Hybrid LE AWD | 2,362 |
| Hybrid XLE 2WD | 2,396 |
| Hybrid XLE AWD | 2,428 |
| Hybrid Limited 2WD | 2,490 |
| Hybrid Limited AWD | 2,518 |
| Hybrid Platinum 2WD | 2,544 |
| Hybrid Platinum AWD | 2,566 |
| 2023 Toyota Highlander Average Rate | $2,284 |
2023 Ford Explorer
$1,950
| 2023 Ford Explorer Trims | Rate |
|---|---|
| XLT 2WD | $1,768 |
| XLT 4WD | 1,808 |
| ST-Line 2WD | 1,898 |
| Limited 2WD | 1,918 |
| ST-Line 4WD | 1,932 |
| Base 2WD | 1,936 |
| Limited 4WD | 1,944 |
| Timberline 4WD | 1,944 |
| ST 2WD | 1,958 |
| ST 4WD | 1,978 |
| Base 4WD | 1,982 |
| Limited Hybrid 2WD | 1,992 |
| Platinum 2WD | 1,998 |
| King Ranch 2WD | 2,006 |
| Limited Hybrid 4WD | 2,012 |
| Platinum 4WD | 2,018 |
| King Ranch 4WD | 2,026 |
| 2023 Ford Explorer Average Rate | $1,950 |
2022 Toyota Highlander vs. Ford Explorer
For 2022 Toyota Highlander and Ford Explorer models, the model with cheaper average insurance rates is the Ford Explorer. Insurance rates on a Toyota Highlander cost an average of $2,150 per year, and insurance for a Ford Explorer costs an average of $2,010 per year.
For a 2022 Toyota Highlander, average insurance rates range from $1,886 per year for the L 2WD model up to the highest rate of $2,424 for the Hybrid Platinum AWD model. For a 2022 Ford Explorer, rates range from $1,850 per year for the XLT 2WD model up to $2,126 for the most expensive Platinum 4WD model.
For a 2022 Toyota Highlander, the lowest-cost trim levels to insure are the L 2WD, L AWD, and LE 2WD. The lowest-cost Ford Explorer trim levels to insure include the XLT 2WD, 2WD, and XLT 4WD.
From a monthly standpoint, insurance rates for all 2022 Toyota Highlander and Ford Explorer trim levels range from $154 to $202 per month.
The rate table below ranks the annual and monthly cost of car insurance for 2022 Toyota Highlander and Ford Explorer models, with average rates for each vehicle.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Explorer XLT 2WD | $1,850 | $154 |
| Highlander L 2WD | $1,886 | $157 |
| Explorer 2WD | $1,886 | $157 |
| Explorer XLT 4WD | $1,888 | $157 |
| Explorer 4WD | $1,932 | $161 |
| Highlander L AWD | $1,936 | $161 |
| Highlander LE 2WD | $1,950 | $163 |
| Highlander LE AWD | $1,990 | $166 |
| Explorer ST 2WD | $1,992 | $166 |
| Explorer ST-Line 2WD | $2,002 | $167 |
| Explorer Limited 2WD | $2,008 | $167 |
| Explorer Timberline 4WD | $2,020 | $168 |
| Highlander XLE 2WD | $2,024 | $169 |
| Explorer ST-Line 4WD | $2,028 | $169 |
| Explorer Limited 4WD | $2,034 | $170 |
| Explorer ST 4WD | $2,054 | $171 |
| Highlander XLE AWD | $2,058 | $172 |
| Highlander XSE 2WD | $2,058 | $172 |
| Highlander Bronze Edition 2WD | $2,096 | $175 |
| Highlander XSE AWD | $2,100 | $175 |
| Explorer King Ranch 2WD | $2,100 | $175 |
| Highlander Limited 2WD | $2,106 | $176 |
| Explorer Platinum 2WD | $2,106 | $176 |
| Explorer King Ranch 4WD | $2,120 | $177 |
| Highlander Bronze Edition AWD | $2,126 | $177 |
| Explorer Platinum 4WD | $2,126 | $177 |
| Highlander Limited AWD | $2,144 | $179 |
| Highlander Platinum 2WD | $2,160 | $180 |
| Highlander Platinum AWD | $2,190 | $183 |
| Highlander Hybrid LE 2WD | $2,196 | $183 |
| Highlander Hybrid LE AWD | $2,232 | $186 |
| Highlander Hybrid XLE 2WD | $2,266 | $189 |
| Highlander Hybrid XLE AWD | $2,296 | $191 |
| Highlander Hybrid Limited 2WD | $2,342 | $195 |
| Highlander Hybrid Limited AWD | $2,374 | $198 |
| Highlander Hybrid Platinum 2WD | $2,398 | $200 |
| Highlander Hybrid Platinum AWD | $2,424 | $202 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025
The following chart demonstrates the average cost to insure both models for a range of driver ages. For the 2022 Toyota Highlander, average car insurance cost ranges from $1,902 to $4,366 per year for the five age groups shown in the chart. Car insurance on a 2022 Ford Explorer costs from $1,776 to $4,020 on average per year.
For the 22 trim levels available for the 2022 Toyota Highlander, the most affordable trim to insure is the L 2WD trim at an average cost of $1,886 per year.
For the 15 trim levels available for the Ford Explorer, the most affordable 2022 trim level to insure is the XLT 2WD model at a cost of $1,850.
When car insurance rates for all 37 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Ford Explorer XLT 2WD at a cost of $1,850 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,424 per year.
The tables shown below break down trim level insurance rates for each 2022 model, plus an average rate for each model. The 2022 Ford Explorer takes the win over the 2022 Toyota Highlander for cheapest auto insurance rates.
2022 Toyota Highlander
$2,150
| 2022 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,886 |
| L AWD | 1,936 |
| LE 2WD | 1,950 |
| LE AWD | 1,990 |
| XLE 2WD | 2,024 |
| XLE AWD | 2,058 |
| XSE 2WD | 2,058 |
| Bronze Edition 2WD | 2,096 |
| XSE AWD | 2,100 |
| Limited 2WD | 2,106 |
| Bronze Edition AWD | 2,126 |
| Limited AWD | 2,144 |
| Platinum 2WD | 2,160 |
| Platinum AWD | 2,190 |
| Hybrid LE 2WD | 2,196 |
| Hybrid LE AWD | 2,232 |
| Hybrid XLE 2WD | 2,266 |
| Hybrid XLE AWD | 2,296 |
| Hybrid Limited 2WD | 2,342 |
| Hybrid Limited AWD | 2,374 |
| Hybrid Platinum 2WD | 2,398 |
| Hybrid Platinum AWD | 2,424 |
| 2022 Toyota Highlander Average Rate | $2,150 |
2022 Ford Explorer
$2,010
| 2022 Ford Explorer Trims | Rate |
|---|---|
| XLT 2WD | $1,850 |
| 2WD | 1,886 |
| XLT 4WD | 1,888 |
| 4WD | 1,932 |
| ST 2WD | 1,992 |
| ST-Line 2WD | 2,002 |
| Limited 2WD | 2,008 |
| Timberline 4WD | 2,020 |
| ST-Line 4WD | 2,028 |
| Limited 4WD | 2,034 |
| ST 4WD | 2,054 |
| King Ranch 2WD | 2,100 |
| Platinum 2WD | 2,106 |
| King Ranch 4WD | 2,120 |
| Platinum 4WD | 2,126 |
| 2022 Ford Explorer Average Rate | $2,010 |
2021 Toyota Highlander vs. Ford Explorer
When comparing car insurance rates for the 2021 Toyota Highlander and Ford Explorer models, the Ford Explorer is cheaper to insure by $144 per year for 2021.
The chart below illustrates the average insurance cost for both 2021 models rated for a variety of different driver ages. For the 2021 Toyota Highlander, the average car insurance cost ranges from $1,952 to $4,488 per year for the included driver ages. Full-coverage car insurance for a 2021 Ford Explorer costs from $1,824 to $4,132 on average per year.
Out of 17 Toyota Highlander trims, the lowest-cost 2021 trim level to insure is the L 2WD trim at an average cost of $1,936 per year.
For the 13 different trims available for a Ford Explorer, the cheapest 2021 trim to insure is the 2WD model at a cost of $1,808.
When comparing both models combined at a trim-level basis, the cheapest model and trim level to put coverage on is the Ford Explorer 2WD at a cost of $1,808 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,536 per year.
The next tables display the expected annual car insurance cost by trim level for both 2021 models, including an overall average cost for each model.
2021 Toyota Highlander
$2,202
| 2021 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,936 |
| L 4WD | 1,998 |
| LE 2WD | 1,998 |
| LE 4WD | 1,998 |
| XLE 2WD | 1,998 |
| Limited 2WD | 2,064 |
| XLE 4WD | 2,064 |
| Limited 4WD | 2,128 |
| Platinum 2WD | 2,128 |
| Platinum 4WD | 2,128 |
| Hybrid LE 2WD | 2,320 |
| Hybrid LE 4WD | 2,320 |
| Hybrid XLE 4WD | 2,382 |
| Hybrid Limited 2WD | 2,494 |
| Hybrid Limited 4WD | 2,494 |
| Hybrid Platinum 2WD | 2,494 |
| Hybrid Platinum 4WD | 2,536 |
| 2021 Toyota Highlander Average Rate | $2,202 |
2021 Ford Explorer
$2,058
| 2021 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,808 |
| 4WD | 1,872 |
| XLT 2WD | 1,936 |
| XLT 4WD | 1,936 |
| Police 4WD | 2,000 |
| Limited 2WD | 2,066 |
| Timberline 4WD | 2,110 |
| Limited 4WD | 2,128 |
| ST 4WD | 2,128 |
| King Ranch 2WD | 2,174 |
| King Ranch 4WD | 2,194 |
| Platinum 2WD | 2,194 |
| Platinum 4WD | 2,212 |
| 2021 Ford Explorer Average Rate | $2,058 |
2020 Toyota Highlander vs. Ford Explorer
When comparing insurance rates for the 2020 Toyota Highlander and Ford Explorer models, the Ford Explorer is cheaper to insure by $182 per year.
The following chart illustrates the average car insurance cost for both 2020 models for the 20 to 50-year-old driver age groups. Insurance cost ranges from $1,900 to $4,366 per year on a 2020 Toyota Highlander, and $1,740 to $3,930 for the 2020 Ford Explorer for the example age groups.
The 2020 Toyota Highlander has 17 trims available, with the cheapest trim to insure being the L 2WD trim at an average cost of $1,880 per year, or about $157 per month. For the nine trim and option levels available for a Ford Explorer, the lowest-cost 2020 model to insure is the 2WD trim at a cost of $1,768.
When comparing both models combined at a trim-level basis, the overall cheapest vehicle to buy insurance for is the Ford Explorer 2WD at an average rate of $1,768 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,464 per year.
The tables shown below illustrate the cost to insure the available trim levels for both 2020 models, along with an average cost for each model. The cheapest to insure for the 2020 model year is the Ford Explorer.
2020 Toyota Highlander
$2,140
| 2020 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,880 |
| L 4WD | 1,944 |
| LE 2WD | 1,944 |
| LE 4WD | 1,944 |
| XLE 2WD | 1,944 |
| Limited 2WD | 2,006 |
| XLE 4WD | 2,006 |
| Limited 4WD | 2,066 |
| Platinum 2WD | 2,066 |
| Platinum 4WD | 2,066 |
| Hybrid LE 2WD | 2,256 |
| Hybrid LE 4WD | 2,256 |
| Hybrid XLE 4WD | 2,318 |
| Hybrid Limited 2WD | 2,424 |
| Hybrid Limited 4WD | 2,424 |
| Hybrid Platinum 2WD | 2,424 |
| Hybrid Platinum 4WD | 2,464 |
| 2020 Toyota Highlander Average Rate | $2,140 |
2020 Ford Explorer
$1,958
| 2020 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,768 |
| 4WD | 1,828 |
| XLT 2WD | 1,890 |
| XLT 4WD | 1,890 |
| Police 4WD | 1,952 |
| Limited 2WD | 2,014 |
| Limited 4WD | 2,076 |
| ST 4WD | 2,076 |
| Platinum 4WD | 2,138 |
| 2020 Ford Explorer Average Rate | $1,958 |
Be sure to see our comprehensive 2020 Ford Explorer insurance cost article.
2019 Toyota Highlander vs. Ford Explorer
A 2019 Ford Explorer costs $128 less per year to insure per year on average than a 2019 Toyota Highlander, a difference of 6.6%.
The following chart shows the average insurance cost for the two models for different driver ages. The average car insurance cost ranges from $1,784 to $4,108 per year on the 2019 Toyota Highlander, and $1,672 to $3,802 for a 2019 Ford Explorer for the different drivers illustrated in the chart.
A 2019 Toyota Highlander has 17 trim levels available, with the cheapest model to insure being the LE 2WD model at an average cost of $1,810 per year, or $151 per month. For the eight different option levels available for the Ford Explorer, the lowest-cost 2019 model to insure is the 2WD model at a cost of $1,744 per year, or around $145 per month.
When insurance prices for all 25 trims of both models are combined and sorted by cost, the cheapest trim to insure is the Ford Explorer 2WD at a cost of $1,744 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD at an average of $2,208 per year.
The next two rate tables break down average car insurance cost by trim level for a 2019 Toyota Highlander and Ford Explorer, as well as the overall average rate for each model. The winner for the 2019 car insurance battle is the Ford Explorer.
2019 Toyota Highlander
$2,012
| 2019 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,810 |
| LE 4WD | 1,868 |
| LE Plus 2WD | 1,928 |
| LE Plus 4WD | 1,928 |
| XLE 2WD | 1,928 |
| Limited 2WD | 1,988 |
| Limited 4WD | 1,988 |
| SE 2WD | 1,988 |
| SE 4WD | 1,988 |
| XLE 4WD | 1,988 |
| Limited Platinum 2WD | 2,046 |
| Limited Platinum 4WD | 2,046 |
| Hybrid 4WD | 2,090 |
| Hybrid LE 4WD | 2,090 |
| Hybrid XLE 4WD | 2,148 |
| Hybrid Limited 4WD | 2,208 |
| Hybrid Limited Platinum 4WD | 2,208 |
| 2019 Toyota Highlander Average Rate | $2,012 |
Be sure to see our comprehensive 2019 Toyota Highlander insurance cost article.
2019 Ford Explorer
$1,884
| 2019 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,744 |
| 4WD | 1,804 |
| XLT 2WD | 1,804 |
| XLT 4WD | 1,864 |
| Limited 2WD | 1,920 |
| Limited 4WD | 1,920 |
| Sport 4WD | 1,980 |
| Platinum 4WD | 2,040 |
| 2019 Ford Explorer Average Rate | $1,884 |
2018 Toyota Highlander vs. Ford Explorer
For the 2018 Toyota Highlander and Ford Explorer models, the Ford Explorer is cheaper to insure by $138 per year.
The next chart displays the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2018 Toyota Highlander, the average car insurance cost ranges from $1,708 to $3,916 per year for the included age groups. Insurance for a 2018 Ford Explorer costs from $1,588 to $3,594 on average per year.
Out of 16 Toyota Highlander trim levels, the lowest-cost 2018 trim to insure is the LE 2WD model at an average cost of $1,730 per year. The 2018 Ford Explorer has nine different trim levels available, with the lowest-cost model to insure being the 2WD model at an average cost of $1,668 per year, or about $139 per month.
When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Ford Explorer 2WD at an average of $1,668 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD costing an average of $2,132 per year.
The next two rate tables show average car insurance rates for every trim level for both 2018 models, as well as the overall average rate for each model. The 2018 Ford Explorer takes the win over the 2018 Toyota Highlander for cheapest car insurance cost.
2018 Toyota Highlander
$1,924
| 2018 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,730 |
| LE 4WD | 1,784 |
| Plus 2WD | 1,784 |
| Plus 4WD | 1,842 |
| XLE 2WD | 1,842 |
| Limited 4WD | 1,896 |
| SE 4WD | 1,896 |
| XLE 4WD | 1,896 |
| SE 2WD | 1,924 |
| Limited Platinum 4WD | 1,952 |
| Limited 2WD | 1,980 |
| Limited Platinum 2WD | 1,980 |
| Hybrid LE 4WD | 1,998 |
| Hybrid XLE 4WD | 2,054 |
| Hybrid 4WD | 2,116 |
| Hybrid Limited 4WD | 2,132 |
| 2018 Toyota Highlander Average Rate | $1,924 |
2018 Ford Explorer
$1,786
| 2018 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,668 |
| Police Edition 4WD | 1,668 |
| 4WD | 1,724 |
| XLT 2WD | 1,724 |
| XLT 4WD | 1,780 |
| Limited 2WD | 1,836 |
| Limited 4WD | 1,836 |
| Sport 4WD | 1,892 |
| Platinum 4WD | 1,946 |
| 2018 Ford Explorer Average Rate | $1,786 |
2017 Toyota Highlander vs. Ford Explorer
A 2017 Ford Explorer costs $120 less per year to insure per year on average than a 2017 Toyota Highlander, a difference of 6.8%.
The next chart visualizes the average car insurance cost for both 2017 models using a range of rated driver ages. The average cost of car insurance ranges from $1,628 to $3,726 per year for a 2017 Toyota Highlander, and $1,524 to $3,444 for a 2017 Ford Explorer for the age groups included in the chart.
For the 14 trims available for the 2017 Toyota Highlander, the cheapest trim level to insure is the LE 2WD model at an average cost of $1,666 per year. For the nine different trim levels available for a Ford Explorer, the most affordable 2017 model to insure is the 2WD trim at a cost of $1,610.
When looking at the combined rates by trim level for both models, the lowest-cost model and trim level to insure is the Ford Explorer 2WD at a cost of $1,610 per year, and the overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,030 per year.
The two tables below display the average cost to insure all 2017 trim levels, including an overall average cost for each model. The 2017 Ford Explorer comes out on top over the 2017 Toyota Highlander for cheapest overall car insurance cost.
2017 Toyota Highlander
$1,834
| 2017 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,666 |
| LE 4WD | 1,720 |
| Plus 2WD | 1,720 |
| Plus 4WD | 1,772 |
| XLE 2WD | 1,772 |
| XLE 4WD | 1,772 |
| Limited 2WD | 1,824 |
| Limited 4WD | 1,824 |
| Platinum 2WD | 1,824 |
| Platinum 4WD | 1,876 |
| Hybrid LE 4WD | 1,924 |
| Hybrid Limited 4WD | 1,976 |
| Hybrid XLE 4WD | 1,976 |
| Hybrid Platinum 4WD | 2,030 |
| 2017 Toyota Highlander Average Rate | $1,834 |
2017 Ford Explorer
$1,714
| 2017 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,610 |
| Police Edition 4WD | 1,610 |
| 4WD | 1,662 |
| XLT 2WD | 1,662 |
| XLT 4WD | 1,662 |
| Limited 2WD | 1,768 |
| Limited 4WD | 1,768 |
| Sport 4WD | 1,820 |
| Platinum 4WD | 1,872 |
| 2017 Ford Explorer Average Rate | $1,714 |
2016 Toyota Highlander vs. Ford Explorer
For the 2016 Toyota Highlander and Ford Explorer models, the Ford Explorer costs less to insure by an average of $34 per year for this comparison year.
The chart below visualizes the average insurance cost for both 2016 models for a range of driver ages. For the 2016 Toyota Highlander, average insurance cost ranges from $1,612 to $3,658 per year for the age groups included in the chart. Full-coverage car insurance on the 2016 Ford Explorer costs from $1,580 to $3,584 on average per year.
Out of 12 trim levels for the 2016 Toyota Highlander, the most affordable car insurance rates are on the LE 2WD trim at a cost of $1,636 per year. Out of the nine option levels available for a Ford Explorer, the lowest-cost 2016 trim to insure is the 2WD model at a cost of $1,686.
When insurance rates for all 21 trims of both models are combined and sorted by cost, the most affordable model and trim level to buy insurance for is the Toyota Highlander LE 2WD at an average of $1,636 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,028 per year.
The tables below break down average car insurance cost by trim level for a 2016 Toyota Highlander and Ford Explorer, as well as the overall average rate for each model.
2016 Toyota Highlander
$1,806
| 2016 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,636 |
| LE 4WD | 1,686 |
| Plus 2WD | 1,734 |
| Plus 4WD | 1,734 |
| XLE 2WD | 1,782 |
| XLE 4WD | 1,782 |
| Limited 2WD | 1,830 |
| Limited 4WD | 1,830 |
| Platinum 2WD | 1,830 |
| Platinum 4WD | 1,830 |
| Hybrid Limited 4WD | 1,980 |
| Hybrid Platinum 4WD | 2,028 |
| 2016 Toyota Highlander Average Rate | $1,806 |
2016 Ford Explorer
$1,772
| 2016 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,686 |
| 4WD | 1,686 |
| Police Edition 4WD | 1,686 |
| XLT 2WD | 1,734 |
| XLT 4WD | 1,734 |
| Limited 2WD | 1,830 |
| Limited 4WD | 1,830 |
| Sport 4WD | 1,830 |
| Platinum 4WD | 1,928 |
| 2016 Ford Explorer Average Rate | $1,772 |
2015 Toyota Highlander vs. Ford Explorer
When comparing car insurance rates for the 2015 Toyota Highlander and Ford Explorer models, the Ford Explorer is cheaper to insure by $26 per year for 2015.
The chart below demonstrates the average insurance cost for the two models with different driver age groups. For the 2015 Toyota Highlander, the average car insurance cost ranges from $1,446 to $3,274 per year for the included age groups. Full-coverage car insurance on a 2015 Ford Explorer ranges from $1,428 to $3,206 on average per year.
The 2015 Toyota Highlander has 12 trim levels available, with the lowest-cost model to insure being the LE 2WD trim at an average cost of $1,460 per year. For the eight trim levels available for a Ford Explorer, the most affordable 2015 trim package to insure is the 2WD model at a cost of $1,544.
When rates are compared for the 20 different trim levels of both 2015 models, the cheapest model and trim level to insure is the Toyota Highlander LE 2WD at an average cost of $1,460 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,872 per year.
The next tables display the average cost to insure each trim level for a 2015 Toyota Highlander and Ford Explorer, along with an average cost for each model. The model with the cheapest average car insurance rates for 2015 is the Ford Explorer.
2015 Toyota Highlander
$1,620
| 2015 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,460 |
| LE 4WD | 1,504 |
| Plus 2WD | 1,504 |
| Plus 4WD | 1,550 |
| Limited 2WD | 1,594 |
| XLE 2WD | 1,594 |
| XLE 4WD | 1,594 |
| Limited 4WD | 1,638 |
| Platinum 2WD | 1,638 |
| Platinum 4WD | 1,638 |
| Hybrid Limited 4WD | 1,872 |
| Hybrid Platinum 4WD | 1,872 |
| 2015 Toyota Highlander Average Rate | $1,620 |
2015 Ford Explorer
$1,594
| 2015 Ford Explorer Trims | Rate |
|---|---|
| 2WD | $1,544 |
| 4WD | 1,544 |
| Police Edition 4WD | 1,544 |
| XLT 2WD | 1,544 |
| XLT 4WD | 1,590 |
| Limited 2WD | 1,634 |
| Limited 4WD | 1,678 |
| Sport 4WD | 1,678 |
| 2015 Ford Explorer Average Rate | $1,594 |