- Toyota Highlander car insurance costs an average of $1,602 per year or around $134 per month, depending on the trim level.
- Drivers can find the cheapest Highlander insurance on the base L 2WD model, costing an average of $1,388 per year. The Highlander Hybrid Platinum 4WD has the highest rates at $1,818 per year.
- Out of 27 vehicles in the 2021 midsize SUV segment, the Highlander ranks #22 for insurance affordability.
- Average rates for earlier Toyota Highlander model years range from $1,132 for the 2013 model year to $1,562 for the 2020 model year.
How much does Toyota Highlander insurance cost?
Toyota Highlander car insurance costs an average of $1,602 a year, or about $134 a month. Expect to pay about $105 more annually for Toyota Highlander insurance compared to the midsize SUV average rate.
When Highlander insurance rates are compared to the cost to insure all vehicles (not just midsize SUVs), the Highlander costs about $79 more to insure than the national average rate of $1,523 per year.
The following chart breaks down average Toyota Highlander auto insurance cost using a variation of different driver ages and risk scenarios. The average rate for comparison purposes is the ‘Safe Driver Age 40’ data point show below.
To help you comprehend the full scope of car insurance rates for the Highlander, keep in mind that buying a liability-only policy in some parts of Idaho or Wisconsin can be as low as $228 a year, while a 16-year-old driver with a few speeding tickets in some areas in New York City could cost as much as $14,732 a year for a policy with full coverage.
Luckily, most people will fall towards the lower end of that price range. Insurance rates are very complex, and so many factors contribute to your final rate that the illustration above should reinforce the importance of getting actual rate quotes when comparing rates.
What is the cheapest Toyota Highlander insurance?
With Toyota Highlander car insurance rates ranging from $1,388 to $1,818 per year for the average driver, the lowest-cost trim level to insure is the Highlander L 2WD. The second cheapest model to insure is the Highlander L 4WD at $1,434 per year.
Plan on budgeting at least $116 per month for full coverage Highlander insurance but less if insuring for liability-only. Average Toyota Highlander insurance cost per month ranges from $116 to $152 depending on the trim level.
For the more expensive models, the three highest cost Highlander models to insure are the Highlander Hybrid Limited 4WD, the Hybrid Limited 2WD, and the Hybrid Platinum 4WD trim levels at an estimated $1,788, $1,788, and $1,818 per year, respectively.
In most instances, as the MSRP expands as the package or trim level increases, insurance cost goes up accordingly. Glancing at the chart below reinforces that theory, as the base models have the cheapest insurance rates and the high-end Hybrid Platinum trim is the most expensive.
| Toyota Highlander Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| L 2WD | $1,388 | $694 | $116 |
| L 4WD | $1,434 | $717 | $120 |
| XLE 2WD | $1,434 | $717 | $120 |
| LE 4WD | $1,434 | $717 | $120 |
| LE 2WD | $1,434 | $717 | $120 |
| Limited 2WD | $1,480 | $740 | $123 |
| XLE 4WD | $1,480 | $740 | $123 |
| Platinum 2WD | $1,526 | $763 | $127 |
| Limited 4WD | $1,526 | $763 | $127 |
| Platinum 4WD | $1,526 | $763 | $127 |
| Hybrid LE 4WD | $1,662 | $831 | $139 |
| Hybrid LE 2WD | $1,662 | $831 | $139 |
| Hybrid XLE 4WD | $1,708 | $854 | $142 |
| Hybrid Platinum 2WD | $1,788 | $894 | $149 |
| Hybrid Limited 4WD | $1,788 | $894 | $149 |
| Hybrid Limited 2WD | $1,788 | $894 | $149 |
| Hybrid Platinum 4WD | $1,818 | $909 | $152 |
Is Toyota Highlander insurance expensive?
The 2021 Toyota Highlander ranks #22 out of 27 total comparison vehicles in the midsize SUV segment. Highlander insurance costs an average of $1,602 per year for insurance, while the category average rate is $1,497 per year, a difference of $105 per year.
When compared to popular vehicles in the midsize SUV segment, car insurance for a Toyota Highlander costs $64 less per year than the Jeep Grand Cherokee, $130 more than the Ford Explorer, $106 less than the Jeep Cherokee, and $136 more than the Subaru Outback.
Since rates vary considerably based on the trim level you’re insuring, Highlander car insurance could conceivably cost less than many of the other models that rank better in the chart. We average rates for all trim levels of each model, so it’s best to just get a quote so you know exactly how much insurance will cost for your personal situation and zip code.
The chart below shows how the Highlander compares to the rest of the top 10 selling midsize SUVs in the U.S. We also added a more comprehensive rate table after the chart that ranks car insurance affordability for the entire midsize SUV class, plus shows the difference in insurance price between each model and the Highlander.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Ford Edge | $1,274 | -$328 |
| 2 | Chevrolet Blazer | $1,282 | -$320 |
| 3 | Honda Passport | $1,290 | -$312 |
| 4 | Kia Telluride | $1,308 | -$294 |
| 5 | Volkswagen Atlas | $1,318 | -$284 |
| 6 | Subaru Ascent | $1,324 | -$278 |
| 7 | Nissan Murano | $1,370 | -$232 |
| 8 | Honda Pilot | $1,376 | -$226 |
| 9 | Buick Enclave | $1,430 | -$172 |
| 10 | Hyundai Palisade | $1,434 | -$168 |
| 11 | Subaru Outback | $1,466 | -$136 |
| 12 | Ford Explorer | $1,472 | -$130 |
| 13 | GMC Acadia | $1,478 | -$124 |
| 14 | Chevrolet Traverse | $1,488 | -$114 |
| 15 | Kia Sorento | $1,494 | -$108 |
| 16 | Toyota 4Runner | $1,506 | -$96 |
| 17 | Nissan Pathfinder | $1,544 | -$58 |
| 18 | Mitsubishi Outlander Sport | $1,556 | -$46 |
| 19 | Mazda CX-9 | $1,556 | -$46 |
| 20 | Toyota Venza | $1,566 | -$36 |
| 21 | Hyundai Santa Fe | $1,578 | -$24 |
| 22 | Toyota Highlander | $1,602 | -- |
| 23 | Dodge Durango | $1,642 | $40 |
| 24 | Jeep Grand Cherokee | $1,666 | $64 |
| 25 | Jeep Cherokee | $1,708 | $106 |
| 26 | Mitsubishi Outlander PHEV | $1,714 | $112 |
| 27 | Tesla Model Y | $1,964 | $362 |
Toyota Highlander prior model year insurance rates
The following sections detail average Toyota Highlander insurance rates for every trim level for the 2013 to 2020 model years.
2020 Toyota Highlander Car Insurance Rates
Average insurance rates for a 2020 Toyota Highlander are $1,562 per year, or around $130 per month. Rates range from $1,354 per year for the Highlander L 2WD to $1,776 for the Highlander Hybrid Platinum 4WD.
| 2020 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| L 2WD | $1,354 | $113 |
| L 4WD | $1,400 | $117 |
| XLE 2WD | $1,400 | $117 |
| LE 4WD | $1,400 | $117 |
| LE 2WD | $1,400 | $117 |
| Limited 2WD | $1,442 | $120 |
| XLE 4WD | $1,442 | $120 |
| Platinum 2WD | $1,488 | $124 |
| Limited 4WD | $1,488 | $124 |
| Platinum 4WD | $1,488 | $124 |
| Hybrid LE 4WD | $1,626 | $136 |
| Hybrid LE 2WD | $1,626 | $136 |
| Hybrid XLE 4WD | $1,670 | $139 |
| Hybrid Platinum 2WD | $1,746 | $146 |
| Hybrid Limited 4WD | $1,746 | $146 |
| Hybrid Limited 2WD | $1,746 | $146 |
| Hybrid Platinum 4WD | $1,776 | $148 |
2019 Toyota Highlander Insurance Rates
Average 2019 Toyota Highlander insurance rates are $1,450 per year, or around $121 per month. Rates range from $1,316 per year for the Highlander LE 2WD to $1,604 for the Highlander Hybrid Limited 4WD.
| 2019 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,316 | $110 |
| LE 4WD | $1,360 | $113 |
| LE Plus 4WD | $1,402 | $117 |
| XLE 2WD | $1,402 | $117 |
| LE Plus 2WD | $1,402 | $117 |
| Limited 4WD | $1,444 | $120 |
| SE 4WD | $1,444 | $120 |
| SE 2WD | $1,444 | $120 |
| XLE 4WD | $1,444 | $120 |
| Limited 2WD | $1,444 | $120 |
| Limited Platinum 2WD | $1,488 | $124 |
| Limited Platinum 4WD | $1,488 | $124 |
| Hybrid LE 4WD | $1,518 | $127 |
| Hybrid 4WD | $1,518 | $127 |
| Hybrid XLE 4WD | $1,562 | $130 |
| Hybrid Limited Platinum 4WD | $1,604 | $134 |
| Hybrid Limited 4WD | $1,604 | $134 |
2018 Toyota Highlander Insurance Rates
2018 Toyota Highlander insurance averages $1,426 per year, or around $119 per month. Rates range from $1,298 per year for the Highlander LE 2WD to $1,582 for the Highlander Hybrid Limited 4WD.
| 2018 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,298 | $108 |
| LE 4WD | $1,340 | $112 |
| Plus 2WD | $1,340 | $112 |
| Plus 4WD | $1,384 | $115 |
| XLE 2WD | $1,384 | $115 |
| Limited 4WD | $1,424 | $119 |
| SE 4WD | $1,424 | $119 |
| XLE 4WD | $1,424 | $119 |
| SE 2WD | $1,446 | $121 |
| Limited Platinum 4WD | $1,466 | $122 |
| Limited 2WD | $1,488 | $124 |
| Limited Platinum 2WD | $1,488 | $124 |
| Hybrid LE 4WD | $1,498 | $125 |
| Hybrid XLE 4WD | $1,540 | $128 |
| Hybrid 4WD | $1,582 | $132 |
| Hybrid Limited 4WD | $1,582 | $132 |
2017 Toyota Highlander Auto Insurance Rates
Average insurance rates for a 2017 Toyota Highlander are $1,376 per year, or about $115 per month. Rates range from $1,264 per year for the Highlander LE 2WD to $1,542 for the Highlander Hybrid Platinum 4WD.
| 2017 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,264 | $105 |
| LE 4WD | $1,306 | $109 |
| Plus 2WD | $1,306 | $109 |
| Plus 4WD | $1,346 | $112 |
| XLE 2WD | $1,346 | $112 |
| XLE 4WD | $1,346 | $112 |
| Limited 2WD | $1,386 | $116 |
| Limited 4WD | $1,386 | $116 |
| Platinum 2WD | $1,386 | $116 |
| Platinum 4WD | $1,428 | $119 |
| Hybrid LE 4WD | $1,460 | $122 |
| Hybrid Limited 4WD | $1,502 | $125 |
| Hybrid XLE 4WD | $1,502 | $125 |
| Hybrid Platinum 4WD | $1,542 | $129 |
2016 Toyota Highlander Insurance Rates
Insurance rates for a 2016 Toyota Highlander average $1,406 per year, or around $117 per month. Rates range from $1,280 per year for the Highlander LE 2WD to $1,594 for the Highlander Hybrid Platinum 4WD.
| 2016 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,280 | $107 |
| LE 4WD | $1,320 | $110 |
| Plus 2WD | $1,358 | $113 |
| Plus 4WD | $1,358 | $113 |
| XLE 2WD | $1,396 | $116 |
| XLE 4WD | $1,396 | $116 |
| Limited 2WD | $1,436 | $120 |
| Limited 4WD | $1,436 | $120 |
| Platinum 2WD | $1,436 | $120 |
| Platinum 4WD | $1,436 | $120 |
| Hybrid Limited 4WD | $1,556 | $130 |
| Hybrid Platinum 4WD | $1,594 | $133 |
2015 Toyota Highlander Insurance Rates
A 2015 Toyota Highlander costs on average $1,280 per year to insure for full coverage, or around $107 per month. Rates range from $1,160 per year for the Highlander LE 2WD to $1,496 for the Highlander Hybrid Platinum 4WD.
| 2015 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,160 | $97 |
| LE 4WD | $1,198 | $100 |
| Plus 2WD | $1,198 | $100 |
| Plus 4WD | $1,234 | $103 |
| Limited 2WD | $1,272 | $106 |
| XLE 2WD | $1,272 | $106 |
| XLE 4WD | $1,272 | $106 |
| Limited 4WD | $1,306 | $109 |
| Platinum 2WD | $1,306 | $109 |
| Platinum 4WD | $1,306 | $109 |
| Hybrid Limited 4WD | $1,496 | $125 |
| Hybrid Platinum 4WD | $1,496 | $125 |
2014 Toyota Highlander Insurance Rates
Average insurance rates for a 2014 Toyota Highlander are $1,230 per year, or around $103 per month. Rates range from $1,126 per year for the Highlander LE 2WD to $1,382 for the Highlander Hybrid Platinum 4WD.
| 2014 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,126 | $94 |
| LE 4WD | $1,160 | $97 |
| Plus 2WD | $1,160 | $97 |
| Plus 4WD | $1,194 | $100 |
| Limited 2WD | $1,228 | $102 |
| XLE 2WD | $1,228 | $102 |
| Limited 4WD | $1,264 | $105 |
| Platinum 2WD | $1,264 | $105 |
| Platinum 4WD | $1,264 | $105 |
| XLE 4WD | $1,264 | $105 |
| Hybrid 4WD | $1,382 | $115 |
| Hybrid Limited 4WD | $1,382 | $115 |
| Hybrid Platinum 4WD | $1,382 | $115 |
2013 Toyota Highlander Insurance Rates
2013 Toyota Highlander average insurance rates are $1,132 per year, or around $94 per month. Rates range from $1,050 per year for the Highlander 2WD to $1,282 for the Highlander Hybrid Limited 4WD.
| 2013 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2WD | $1,050 | $88 |
| 4WD | $1,080 | $90 |
| Plus 2WD | $1,080 | $90 |
| Plus 4WD | $1,134 | $95 |
| SE 2WD | $1,134 | $95 |
| SE 4WD | $1,134 | $95 |
| Limited 2WD | $1,166 | $97 |
| Limited 4WD | $1,166 | $97 |
| Hybrid 4WD | $1,220 | $102 |
| Hybrid Limited 4WD | $1,282 | $107 |
Additional Rates and Policy Discounts
A few additional key data insights about Toyota Highlander insurance rates include:
- Get a discount from your job. The large majority of auto insurance providers offer policy discounts for working in professions like high school and elementary teachers, accountants, police officers and law enforcement, architects, lawyers, and others. Getting this discount could save between $48 and $151 on your annual insurance cost, subject to policy limits.
- Clean up your credit to lower your rates. In states that have laws that do not prevent a driver’s credit information to be used for the purpose of determining insurance rates, having an excellent credit score over 800 could save as much as $252 per year when compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $292 more per year.
- Being a good driver saves money. Having frequent at-fault accidents will raise rates, possibly as much as $2,266 per year for a 20-year-old driver and as much as $494 per year for a 60-year-old driver.
- Increasing deductibles makes car insurance cheaper. Boosting your deductibles from $500 to $1,000 could save around $252 per year for a 40-year-old driver and $492 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Lowering deductibles from $500 to $250 could cost an additional $258 per year for a 40-year-old driver and $522 per year for a 20-year-old driver.
- Highlander insurance is expensive for high-risk drivers. For a 50-year-old driver, having enough accidents and violations to require a high-risk insurance policy can cause a rate increase of $1,908 or more per year.
- Young male drivers pay the highest rates. For a 2021 Toyota Highlander, a 20-year-old man will have an average rate of $3,202 per year, while a 20-year-old woman will get a rate of $2,362, a difference of $840 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,456 and female rates are $1,428, a difference of only $28.
- Obey the law to get lower policy cost. To earn the lowest Highlander insurance rates, it pays to not be aggressive behind the wheel. As few as two minor moving violations could result in a rate hike of up to $424 per year. Serious misdemeanors like driving without insurance could raise rates by an additional $1,488 or more.
