Is Car Insurance Cheaper for a Toyota Tacoma or Highlander?

• When comparing the newest models, a Toyota Highlander is cheaper to insure than a Toyota Tacoma by $248 per year.
• For a 2024 Toyota Tacoma, auto insurance prices cost from $2,204 to $2,672 per year, while insurance for a 2024 Highlander ranges from $2,006 to $2,370, depending on trim level.
• The Toyota Tacoma averages $152 more per year than the national average car insurance rate of $2,276, while the Highlander costs an average of $96 less per year.

Is insurance cheaper on a Toyota Tacoma or Highlander?

When comparing the Toyota Tacoma and Toyota Highlander for the 2024 model year, the model with the cheapest average car insurance rates is the Toyota Highlander. Average car insurance rates for the Toyota Tacoma are $2,428 per year, while the Toyota Highlander costs an average of $2,180 per year.

For the 19 trims available for the 2024 Toyota Tacoma, the cheapest trim to insure is the SR XtraCab 2WD trim at an average cost of $2,204 per year. For the 20 trims available for the Toyota Highlander, the cheapest 2024 trim level to insure is the LE 2WD model at a cost of $2,006.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level is the Toyota Highlander LE 2WD at a cost of $2,006 per year. The overall most expensive vehicle to insure is the Toyota Tacoma Trailhunter costing $2,672 per year.

The rate table below compares and ranks the cost of car insurance for 2024 Toyota Tacoma and Toyota Highlander models, broken down by trim level.

The rate chart below displays the average cost to insure the two models for four different driver age groups. The average car insurance cost ranges from $2,162 to $4,916 per year for a 2024 Toyota Tacoma, and $1,928 to $4,372 for a 2024 Toyota Highlander for the age groups used in the chart.

The tables shown below display the average cost to insure all 2024 trim levels, plus the average rate for each model. The 2024 Toyota Highlander can declare victory over the 2024 Toyota Tacoma for the cheapest average car insurance rates.

2023 Toyota Tacoma vs. Toyota Highlander

Insurance rates on a 2023 Toyota Tacoma cost an average of $2,130 per year, while the 2023 Toyota Highlander costs an average of $2,340 per year, making the Toyota Tacoma the cheaper model to insure by $210 per year.

Out of 24 Toyota Tacoma trim levels, the cheapest 2023 trim level to insure is the SR Access Cab 4WD trim at an average cost of $1,978 per year. For the 22 trim levels available for the Toyota Highlander, the cheapest 2023 model to insure is the L 2WD model at a cost of $2,050 per year, or about $171 per month.

When all 46 trims of both models are combined and compared, the lowest-cost model and trim level to insure is the Toyota Tacoma SR Access Cab 4WD at an average rate of $1,978 per year, and the overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD at an average of $2,628 per year.

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2023 Toyota Tacoma and Toyota Highlander models, with average cost for each trim level.

The chart below displays the average cost to insure both 2023 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2023 Toyota Tacoma, average insurance cost ranges from $1,890 to $4,286 per year for these driver ages. A 2023 Toyota Highlander costs from $2,066 to $4,746 to insure per year.

The next two tables display both 2023 models and all trim levels available for each one, along with an average cost for each model.

2022 Toyota Tacoma vs. Toyota Highlander

Car insurance for a 2022 Toyota Tacoma averages $2,034 per year, whereas insurance for a 2022 Toyota Highlander averages $2,204 per year, making the Toyota Tacoma the model with better average insurance cost.

The cost of car insurance varies considerably for each of the different trim levels, however.

On a 2022 Toyota Tacoma, average insurance rates range from $1,854 per year for the SR Access Cab 4WD model up to $2,298 for the TRD Pro AWD Automatic model.

For a 2022 Toyota Highlander, rates range from $1,932 per year for the L 2WD model up to $2,480 on the Hybrid Platinum AWD model.

Insurance rates for all 2022 Toyota Tacoma and Toyota Highlander trim levels range from $155 to $207 per month. For a 2022 Toyota Tacoma, the most affordable trim levels to insure are the SR Access Cab 4WD, SR Access Cab 2WD, and SR Double Cab 2WD. The most affordable Toyota Highlander trim levels to insure include the L 2WD, L AWD, and LE 2WD.

The table shown below compares the annual and monthly car insurance cost for 2022 Toyota Tacoma and Toyota Highlander models, broken down by individual trim level.

The rate chart below illustrates the average insurance cost for both 2022 models rated for a variety of different driver ages. The average cost of full-coverage insurance ranges from $1,800 to $4,114 per year for a 2022 Toyota Tacoma, and $1,946 to $4,476 on the 2022 Toyota Highlander for the five driver ages sampled in the chart.

Out of 19 Toyota Tacoma trims, the lowest-cost 2022 trim to insure is the SR Access Cab 4WD trim at an average cost of $1,854 per year. For the 22 trim options available for a Toyota Highlander, the most affordable 2022 trim level to insure is the L 2WD trim at a cost of $1,932.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to buy insurance for is the Toyota Tacoma SR Access Cab 4WD at an average of $1,854 per year. The most expensive trim is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,480 per year.

The tables shown below show average car insurance cost by trim level for each 2022 model, including an overall average rate. The model with the cheapest auto insurance rates for 2022 is the Toyota Tacoma.

2021 Toyota Tacoma vs. Toyota Highlander

When comparing average insurance rates for the 2021 Toyota Tacoma and Toyota Highlander models, the Toyota Tacoma is cheaper by an average of $352 per year.

The next chart displays the average cost to insure the two models with different ages of drivers. The average cost of full-coverage insurance ranges from $1,682 to $3,832 per year for the 2021 Toyota Tacoma, and $1,998 to $4,598 on a 2021 Toyota Highlander for the five driver age examples in the chart.

For the 14 trims available for the 2021 Toyota Tacoma, the cheapest model to insure is the Access Cab SR5 2WD trim at an average cost of $1,732 per year, or $144 per month.

Out of the 17 different trim levels available for the Toyota Highlander, the cheapest 2021 trim level to insure is the L 2WD model at a cost of $1,982.

When comparing rates by trim level for both models, the overall cheapest vehicle to put coverage on is the Toyota Tacoma Access Cab SR5 2WD at an average of $1,732 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,598 per year.

The tables shown below illustrate both 2021 models and all trim levels available for each one, along with the average rate for each model.

2020 Toyota Tacoma vs. Toyota Highlander

When comparing car insurance rates for 2020 models, a Toyota Tacoma costs an average of $1,844 per year to insure and a Toyota Highlander costs $2,192, making the Toyota Tacoma more affordable to insure by $348 per year for this comparison year.

The chart below illustrates the average cost to insure the two models for four different driver age groups. For the 2020 Toyota Tacoma, the average car insurance cost ranges from $1,632 to $3,714 per year for the age groups in the chart. A full-coverage policy on the 2020 Toyota Highlander ranges from $1,944 to $4,472 on average per year.

Out of 14 Toyota Tacoma trim levels, the lowest-cost 2020 trim level to insure is the Access Cab SR5 2WD model at an average cost of $1,682 per year, or $140 per month. Out of the 17 different option levels available for a Toyota Highlander, the lowest-cost 2020 trim to insure is the L 2WD model at a cost of $1,928.

When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level to buy insurance for is the Toyota Tacoma Access Cab SR5 2WD at an average cost of $1,682 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,526 per year.

The two tables below detail the average insurance cost by trim level for both 2020 models, including an overall average cost for each model. The cheapest of the two models to insure for the 2020 model year is the Toyota Tacoma.

2019 Toyota Tacoma vs. Toyota Highlander

A 2019 Toyota Tacoma is $278 cheaper to insure per year on average than a 2019 Toyota Highlander, a difference of 14.5%.

The rate chart below shows the average car insurance cost for the two models rated for a variety of different driver ages. For the 2019 Toyota Tacoma, the average car insurance cost ranges from $1,580 to $3,604 per year. Full-coverage insurance for the 2019 Toyota Highlander costs from $1,828 to $4,208 on average per year.

The 2019 Toyota Tacoma has 14 trim levels available, with the most affordable trim level to insure being the Access Cab SR5 2WD trim at an average cost of $1,634 per year, or $136 per month.

For the 17 different option levels available for the Toyota Highlander, the cheapest 2019 trim package to insure is the LE 2WD model at a cost of $1,854.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to put coverage on is the Toyota Tacoma Access Cab SR5 2WD at an average cost of $1,634 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Limited Platinum 4WD at an average of $2,262 per year.

The tables shown below display average car insurance rates for every trim level for both 2019 models, plus an average rate for each model. The winner for the 2019 car insurance comparison is the Toyota Tacoma.

2018 Toyota Tacoma vs. Toyota Highlander

A 2018 Toyota Tacoma is $2 cheaper to insure per year on average than a 2018 Toyota Highlander, a difference of 0.1%.

The following chart illustrates the average cost to insure both 2018 models for the 20 to 50-year-old driver age groups. For the 2018 Toyota Tacoma, the average car insurance cost ranges from $1,750 to $3,986 per year for the included age groups. Full-coverage insurance for the 2018 Toyota Highlander costs from $1,750 to $4,014 on average per year.

Out of 18 Toyota Tacoma trims, the most affordable 2018 trim to insure is the Access Cab SR 2WD model at an average cost of $1,756 per year. The 2018 Toyota Highlander has 16 different trim levels available, with the most affordable trim level to insure being the LE 2WD model at an average cost of $1,772 per year, or around $148 per month.

When insurance prices for all 34 trim levels for the 2018 model year of both models are compared, the lowest-cost model and trim level to insure is the Toyota Tacoma Access Cab SR 2WD at an average rate of $1,756 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Limited 4WD at an average of $2,184 per year.

The tables shown below detail the cost to insure the available trim levels for both 2018 models, along with an average cost for each model. The 2018 Toyota Tacoma takes the trophy over the 2018 Toyota Highlander for the cheapest overall car insurance rates.

2017 Toyota Tacoma vs. Toyota Highlander

When comparing insurance rates for the 2017 Toyota Tacoma and Toyota Highlander models, the Toyota Tacoma is cheaper by $16 per year.

The rate chart below displays the average car insurance cost for both 2017 models for a range of driver ages. For a 2017 Toyota Tacoma, insurance cost ranges from $1,662 to $3,772 per year for the age groups in the chart. Auto insurance for a 2017 Toyota Highlander costs from $1,670 to $3,820 on average per year.

For the 18 trims available for the 2017 Toyota Tacoma, the lowest-cost trim to insure is the Access Cab SR 2WD model at an average cost of $1,694 per year.

For the 14 trims available for the Toyota Highlander, the lowest-cost 2017 trim package to insure is the LE 2WD trim at a cost of $1,704.

When rates for all 32 trim levels for both vehicles are combined and compared, the lowest-cost model and trim to insure is the Toyota Tacoma Access Cab SR 2WD at an average rate of $1,694 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,076 per year.

The next two tables illustrate the cost to insure the available trim levels for both 2017 models, including an overall average cost for each model. The cheapest of the two models to insure for the 2017 model year is the Toyota Tacoma.

2016 Toyota Tacoma vs. Toyota Highlander

When comparing insurance rates for the 2016 Toyota Tacoma and Toyota Highlander models, the Toyota Tacoma is cheaper to insure by $80 per year.

The next chart visualizes the average cost to insure both 2016 models for the 20, 30, 40, and 50-year-old driver age groups. For the 2016 Toyota Tacoma, the average cost of car insurance ranges from $1,580 to $3,578 per year for the five driver age examples in the chart. Insurance for the 2016 Toyota Highlander ranges from $1,650 to $3,748 on average per year.

A 2016 Toyota Tacoma has 17 trims available, with the most affordable trim to insure being the Access Cab SR 2WD trim at an average cost of $1,592 per year, or $133 per month. For the 12 different option levels available for a Toyota Highlander, the lowest-cost 2016 trim level to insure is the LE 2WD model at a cost of $1,674 per year, or about $140 per month.

When comparing car insurance rates for both models by trim level, the cheapest trim to put coverage on is the Toyota Tacoma Access Cab SR 2WD at an average rate of $1,592 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,078 per year.

The next two tables show trim level insurance rates for each 2016 model, along with the average rate for each model. The cheapest to insure for the 2016 model year is the Toyota Tacoma.

2015 Toyota Tacoma vs. Toyota Highlander

When comparing insurance cost for 2015 models, a Toyota Tacoma costs an average of $1,568 per year to insure while a Toyota Highlander costs $1,660, making the Toyota Tacoma more affordable to insure by $92 per year for this model year.

The following chart displays the average car insurance cost for both models with different ages of drivers. The average cost of car insurance ranges from $1,406 to $3,168 per year on the 2015 Toyota Tacoma, and $1,482 to $3,356 for a 2015 Toyota Highlander for the example age groups.

For the 13 trim levels available for a 2015 Toyota Tacoma, the most affordable trim to insure is the Access Cab 2WD model at an average cost of $1,380 per year, or $115 per month.

A 2015 Toyota Highlander has 12 trim and option levels available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,496 per year, or $125 per month.

When rates are compared for the 25 trim levels of both 2015 models, the lowest-cost model and trim level to put coverage on is the Toyota Tacoma Access Cab 2WD at an average rate of $1,380 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at an average of $1,916 per year.

The tables shown below display the average insurance cost by trim level for both 2015 models, along with an average cost for each model. The 2015 Toyota Tacoma has lower-cost car average car insurance rates than the 2015 Toyota Highlander.

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