Toyota Highlander vs. 4Runner Auto Insurance Cost Comparison

• For 2022 models, the Toyota Highlander is cheaper to insure than a Toyota 4Runner by an average of $308 per year, $1,728 compared to $2,036.
• The average cost per month to insure the Toyota 4Runner is 16.6% more than the Toyota Highlander, at $144 versus $170, a difference of about $26.
• Out of 34 models in the 2024 midsize SUV automotive segment, the Toyota Highlander ranks ninth and the Toyota 4Runner ranks 26^th for cheapest overall car insurance rates.

Is car insurance cheaper for a Highlander or 4Runner?

Average insurance rates for a 2024 Toyota Highlander are $1,728 per year, and insurance for a Toyota 4Runner costs an average of $2,036 per year, making the Toyota Highlander the cheapest to insure.

For the 20 trim levels available for the 2024 Toyota Highlander, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,588 per year, or about $132 per month. For the 11 trim levels available for the Toyota 4Runner, the cheapest 2024 model to insure is the SR5 2WD trim at a cost of $1,952 per year, or about $163 per month.

When comparing aggregated rates for both models from a trim-level perspective, the overall cheapest vehicle to insure is the Toyota Highlander LE 2WD at an average cost of $1,588 per year, and the most expensive vehicle to insure is the Toyota 4Runner TRD Pro 4WD costing $2,152 per year.

The next table compares the annual and monthly car insurance cost for 2024 Toyota Highlander and Toyota 4Runner models, showing average cost for each trim level.

The chart shown below visualizes the average cost to insure both 2024 models rated for a variety of different driver ages. For a 2024 Toyota Highlander, the average cost of car insurance ranges from $1,524 to $3,460 per year for the included age groups. A 2024 Toyota 4Runner costs from $1,814 to $4,138 to insure per year.

The tables below show average car insurance cost by trim level for each 2024 model, along with the average rate for each model. The 2024 Toyota Highlander takes the trophy over the 2024 Toyota 4Runner for cheapest car insurance cost.

2023 Toyota Highlander vs. Toyota 4Runner

For 2023, the model with the cheapest average insurance rates is the Toyota 4Runner. Insurance on the Toyota Highlander averages $1,844 per year, and insurance for a Toyota 4Runner costs an average of $1,728 per year.

Out of 22 trims for the 2023 Toyota Highlander, the cheapest car insurance rates are on the L 2WD trim at a cost of $1,616 per year, or $135 per month.

For the 12 trims available for the Toyota 4Runner, the cheapest 2023 model to insure is the SR5 2WD model at a cost of $1,640 per year, or $137 per month.

When average car insurance prices for all 34 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Toyota Highlander L 2WD at a cost of $1,616 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,070 per year.

The rate table below compares the 12-month and monthly car insurance cost for 2023 Toyota Highlander and Toyota 4Runner models, showing average cost for each trim level.

The chart below illustrates the average cost to insure both 2023 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2023 Toyota Highlander, insurance cost ranges from $1,630 to $3,742 per year for the illustrated age groups. A 2023 Toyota 4Runner costs from $1,532 to $3,500 to insure per year.

The next two tables illustrate trim level insurance cost averages for both 2023 models, including an overall average rate.

2022 Toyota Highlander vs. Toyota 4Runner

Car insurance on a 2022 Toyota Highlander costs an average of $1,744 per year, and the 2022 Toyota 4Runner costs an average of $1,690 per year, making the Toyota 4Runner the model with lower average car insurance rates.

Within each different model, however, car insurance cost varies considerably depending on the trim of the model being insured. Using the Toyota Highlander to illustrate this point, rates range from the lowest full-coverage rate of $1,530 per year for the L 2WD model up to the highest rate of $1,964 for the Hybrid Platinum AWD model. For the 2022 Toyota 4Runner, rates range from $1,602 per year on the SR5 2WD model up to $1,810 for the TRD Pro 4WD model.

For a 2022 Toyota Highlander, the cheapest models are the L 2WD, L AWD, and LE 2WD. The cheapest Toyota 4Runner models include the SR5 2WD, SR5 4WD, and Trail Special Edition 2WD.

The next table ranks the annual and monthly car insurance cost for 2022 Toyota Highlander and Toyota 4Runner models, showing the estimated cost for each different trim level.

The chart shown below visualizes the average insurance cost for both models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $1,540 to $3,540 per year for a 2022 Toyota Highlander, and $1,498 to $3,422 for a 2022 Toyota 4Runner.

For the 22 trim levels available for the 2022 Toyota Highlander, the cheapest trim to insure is the L 2WD model at an average cost of $1,530 per year.

For the 13 different trims available for the Toyota 4Runner, the cheapest 2022 trim level to insure is the SR5 2WD model at a cost of $1,602.

When rates are compared for the 35 different trims of both 2022 models, the lowest-cost model and trim level to put coverage on is the Toyota Highlander L 2WD at an average rate of $1,530 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $1,964 per year.

The next two tables show the expected annual car insurance cost by trim level for both 2022 models, plus an average rate for each model.

2021 Toyota Highlander vs. Toyota 4Runner

A 2021 Toyota 4Runner is $80 cheaper to insure per year on average than a 2021 Toyota Highlander, a difference of 4.6%.

The next chart displays the average cost to insure both 2021 models with different drivers at the wheel. For a 2021 Toyota Highlander, average car insurance cost ranges from $1,588 to $3,652 per year for the illustrated age groups. Full-coverage car insurance on a 2021 Toyota 4Runner costs from $1,518 to $3,480 on average per year.

For the 17 trim levels available for the 2021 Toyota Highlander, the cheapest trim level to insure is the L 2WD model at an average cost of $1,574 per year.

For the 12 different option levels available for the Toyota 4Runner, the cheapest 2021 trim level to insure is the SR/5 2WD model at a cost of $1,658.

When rates are compared for the 29 different trim levels of both 2021 models, the cheapest vehicle to insure is the Toyota Highlander L 2WD at a cost of $1,574 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,062 per year.

The next tables detail average car insurance cost by trim level for a 2021 Toyota Highlander and Toyota 4Runner, as well as the overall average rate for each model.

2020 Toyota Highlander vs. Toyota 4Runner

A 2020 Toyota 4Runner is $74 cheaper to insure per year on average than a 2020 Toyota Highlander, a difference of 4.4%.

The chart below demonstrates the average car insurance cost for both models for drivers from ages 20 to 50. The average full-coverage insurance policy ranges from $1,542 to $3,542 per year on a 2020 Toyota Highlander, and $1,476 to $3,380 on a 2020 Toyota 4Runner for the five driver ages sampled in the chart.

Out of 17 Toyota Highlander trim levels, the cheapest 2020 model to insure is the L 2WD trim at an average cost of $1,526 per year. For the 12 trim options available for the Toyota 4Runner, the cheapest 2020 trim level to insure is the SR/5 2WD trim at a cost of $1,610 per year, or $134 per month.

When rates are compared for the 29 trims of both 2020 models, the lowest-cost model and trim to insure is the Toyota Highlander L 2WD at an average cost of $1,526 per year. The most expensive trim is the Toyota Highlander Hybrid Platinum 4WD at an average of $1,998 per year.

The next two rate tables show trim level insurance cost averages for both 2020 models, including an overall average cost for each model. The model with the cheapest car insurance rates for 2020 is the Toyota 4Runner.

2019 Toyota Highlander vs. Toyota 4Runner

When comparing average insurance rates for the 2019 Toyota Highlander and Toyota 4Runner models, the Toyota 4Runner has cheaper rates by $180 per year for this model year.

The next chart visualizes the average insurance cost for the two models for different driver ages. Average full-coverage insurance ranges from $1,446 to $3,328 per year on a 2019 Toyota Highlander, and $1,292 to $2,952 for a 2019 Toyota 4Runner for the five different driver ages shown in the chart.

The 2019 Toyota Highlander has 17 trims available, with the cheapest model to insure being the LE 2WD model at an average cost of $1,466 per year.

For the nine trim options available for the Toyota 4Runner, the cheapest 2019 trim to insure is the SR/5 2WD trim at a cost of $1,384 per year, or about $115 per month.

When average car insurance prices for all 26 trim levels for both 2019 models are compared, the lowest-cost model and trim level to buy insurance for is the Toyota 4Runner SR/5 2WD at an average cost of $1,384 per year. The most expensive trim is the Toyota Highlander Hybrid Limited Platinum 4WD costing $1,788 per year.

The tables below illustrate the cost to insure the available trim levels for both 2019 models, as well as the overall average rate for each model.

2018 Toyota Highlander vs. Toyota 4Runner

When comparing insurance rates for 2018 models, the Toyota Highlander costs $1,560 per year for full coverage and the Toyota 4Runner costs $1,378, making the Toyota 4Runner the model with cheaper insurance by $182 for this comparison year.

The chart below demonstrates the average cost to insure both 2018 models with different ages of drivers. Insurance cost ranges from $1,384 to $3,174 per year for a 2018 Toyota Highlander, and $1,228 to $2,798 on a 2018 Toyota 4Runner for the age groups included in the chart.

Out of 16 trim levels for the 2018 Toyota Highlander, the cheapest insurance prices are on the LE 2WD model at a cost of $1,402 per year. Out of the nine different trim levels available for the Toyota 4Runner, the cheapest 2018 model to insure is the SR/5 2WD trim at a cost of $1,324 per year, or $110 per month.

When auto insurance rates for all 25 trims of both models are combined and sorted by cost, the lowest-cost model and trim to buy insurance for is the Toyota 4Runner SR/5 2WD at an average of $1,324 per year, and the overall most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD costing an average of $1,728 per year.

The next two tables detail the average insurance cost by trim level for both 2018 models, including the average rate for each model. The winner for the 2018 car insurance rate comparison is the Toyota 4Runner.

2017 Toyota Highlander vs. Toyota 4Runner

For 2017 Toyota Highlander and Toyota 4Runner models, the Toyota 4Runner is cheaper to insure by an average of $156 per year.

The rate chart below shows the average insurance cost for the two models with different driver age groups. For a 2017 Toyota Highlander, average car insurance cost ranges from $1,320 to $3,020 per year for the different drivers illustrated in the chart. A full-coverage policy for a 2017 Toyota 4Runner ranges from $1,184 to $2,692 on average per year.

Out of 14 trim levels for the 2017 Toyota Highlander, the cheapest average insurance prices are on the LE 2WD trim at a cost of $1,350 per year, or about $113 per month.

Out of the nine trim and option levels available for the Toyota 4Runner, the cheapest 2017 trim level to insure is the SR/5 2WD trim at a cost of $1,276.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to buy insurance for is the Toyota 4Runner SR/5 2WD at an average rate of $1,276 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing $1,644 per year.

The next two tables illustrate trim level insurance rates for each 2017 model, including an overall average cost for each model. The 2017 Toyota 4Runner has cheaper average auto insurance rates than the 2017 Toyota Highlander.

2016 Toyota Highlander vs. Toyota 4Runner

When comparing insurance cost for 2016 models, the Toyota Highlander costs $1,464 per year for a full-coverage policy and the Toyota 4Runner costs $1,302, making the Toyota 4Runner the model with cheaper insurance by $162 for the 2016 comparison year.

The next chart visualizes the average car insurance cost for both 2016 models rated for multiple driver ages. The average cost of full-coverage insurance ranges from $1,306 to $2,968 per year for a 2016 Toyota Highlander, and $1,160 to $2,616 for a 2016 Toyota 4Runner.

Out of 12 trim levels for the 2016 Toyota Highlander, the cheapest average car insurance prices are on the LE 2WD trim at a cost of $1,326 per year. The 2016 Toyota 4Runner has nine option levels available, with the cheapest trim level to insure being the SR/5 2WD model at an average cost of $1,258 per year.

When insurance prices for all 21 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Toyota 4Runner SR/5 2WD at an average cost of $1,258 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,644 per year.

The tables shown below illustrate the cost to insure the available trim levels for both 2016 models, plus an average rate for each model. The model with the cheapest auto insurance rates for 2016 is the Toyota 4Runner.

2015 Toyota Highlander vs. Toyota 4Runner

When comparing average insurance rates for the 2015 Toyota Highlander and Toyota 4Runner models, the Toyota 4Runner has cheaper rates by $36 per year for 2015.

The following chart shows the average cost to insure the two models for a range of driver ages. For a 2015 Toyota Highlander, the average car insurance cost ranges from $1,172 to $2,656 per year for the age groups in the chart. Car insurance on a 2015 Toyota 4Runner ranges from $1,138 to $2,584 on average per year.

For the 12 trims available for the 2015 Toyota Highlander, the cheapest trim to insure is the LE 2WD model at an average cost of $1,184 per year. Out of the nine option levels available for the Toyota 4Runner, the cheapest 2015 trim level to insure is the SR/5 2WD trim at a cost of $1,244.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to buy insurance for is the Toyota Highlander LE 2WD at a cost of $1,184 per year, and the most expensive trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,518 per year.

The next tables show both 2015 models and all trim levels available for each one, along with an average cost for each model. The 2015 Toyota 4Runner has more affordable average car insurance rates than the 2015 Toyota Highlander.

Additional Toyota Highlander and Toyota 4Runner Resources

• Toyota Highlander Insurance Cost
• Toyota 4Runner Insurance Cost
• Midsize SUV Insurance Cost Comparisons