Toyota Highlander Car Insurance Rates for 2023

Does a Toyota Highlander have expensive car insurance?

From the L 2WD trim up to the Hybrid Platinum AWD trim, we compared average insurance rates for the Highlander to find out how rates rank against the rest of the midsize SUV segment.

Start a Free QuoteCompare Toyota Highlander car insurance quotes and save on your next policy.

  • Toyota Highlander car insurance costs an average of $1,762 per year or around $147 per month, depending on the trim level.
  • Drivers can find the cheapest Highlander insurance on the base L 2WD model, costing an average of $1,542 per year. The Highlander Hybrid Platinum AWD has the highest rates at $1,980 per year.
  • Out of 31 vehicles in the 2023 midsize SUV segment, the Highlander ranks 21st for insurance affordability.

How much does Toyota Highlander insurance cost?

Toyota Highlander car insurance costs an average of $1,762 a year, or about $147 a month. Expect to pay about $38 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 $77 more to insure than the national average rate of $1,685 per year, which is a 4.6% difference.

The following chart breaks down average Toyota Highlander auto insurance cost using a variety of different driver ages and risk scenarios. The average rate for comparison purposes is the ‘Safe Driver Age 40’ data point shown below.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota Highlander trim levels.Data last updated on January 23, 2023
Toyota Highlander Insurance Cost Summary
2023 Toyota Highlander Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,024$335
Safe Driver Age 20$3,524$294
At-fault Accidents Age 40$2,482$207
Low Deductibles Age 40$2,340$195
Safe Driver Age 30$1,866$156
Safe Driver Age 40$1,762$147
Safe Driver Age 50$1,604$134
Safe Driver Age 60$1,578$132
High Deductibles Age 40$1,468$122
Discount Rate Age 40$1,462$122

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 $14,996 a year for a policy with full coverage.

Luckily, most people will fall toward 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 $1,542 to $1,980 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 AWD at $1,580 per year.

Plan on budgeting at least $129 per month for full coverage Highlander insurance but less if insuring for liability-only. Average Toyota Highlander insurance cost per month ranges from $129 to $165 depending on the trim level.

Toyota Highlander Limited AWD
Chrome Limited AWD emblem on liftgate of 2021 Toyota Highlander in Ruby Flare Pearl

For the more expensive models, the three highest cost Highlander models to insure are the Highlander Hybrid Limited AWD, the Hybrid Platinum 2WD, and the Hybrid Platinum AWD trim levels at an estimated $1,942,  $1,962, and $1,980 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.

2023 Toyota Highlander Insurance Cost by Trim Level
Toyota Highlander Trim Level Annual Policy Six-Month Policy Per Month
L 2WD$1,542$771$129
L AWD$1,580$790$132
LE 2WD$1,598$799$133
LE AWD$1,632$816$136
XLE 2WD$1,658$829$138
XLE AWD$1,688$844$141
XSE 2WD$1,688$844$141
XSE AWD$1,716$858$143
Bronze Edition 2WD$1,722$861$144
Limited 2WD$1,728$864$144
Bronze Edition AWD$1,746$873$146
Limited AWD$1,758$879$147
Platinum 2WD$1,770$885$148
Hybrid LE 2WD$1,794$897$150
Platinum AWD$1,796$898$150
Hybrid LE AWD$1,824$912$152
Hybrid XLE 2WD$1,850$925$154
Hybrid XLE AWD$1,874$937$156
Hybrid Limited 2WD$1,922$961$160
Hybrid Limited AWD$1,942$971$162
Hybrid Platinum 2WD$1,962$981$164
Hybrid Platinum AWD$1,980$990$165

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Toyota Highlander Insurance Cost by Trim Level

Is Toyota Highlander insurance expensive?

The 2023 Toyota Highlander ranks 21st out of 31 total comparison vehicles in the midsize SUV segment. Highlander insurance costs an average of $1,762 per year for insurance, while the category average rate is $1,724 per year, a difference of $38 per year.

When compared to popular vehicles in the midsize SUV segment, car insurance for a Toyota Highlander costs $114 less per year than the Jeep Grand Cherokee,  $258 more than the Ford Explorer, $152 less than the Jeep Cherokee, and $244 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Highlander trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Toyota Highlander vs Top 10 Midsize SUVs
Toyota Highlander Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,368-$394
2Subaru Ascent$1,434-$328
3Ford Edge$1,494-$268
4Ford Explorer$1,504-$258
5Volkswagen Atlas$1,506-$256
6Nissan Murano$1,516-$246
7Subaru Outback$1,518-$244
8Volkswagen Atlas Cross Sport$1,576-$186
9Toyota Venza$1,608-$154
10Kia Sorento$1,618-$144
11Hyundai Palisade$1,638-$124
12Toyota 4Runner$1,654-$108
13GMC Acadia$1,682-$80
14Chevrolet Traverse$1,684-$78
15Honda Pilot$1,696-$66
16Buick Enclave$1,702-$60
17Nissan Pathfinder$1,712-$50
18Mazda CX-9$1,720-$42
19Mitsubishi Outlander Sport$1,744-$18
20Kia Telluride$1,754-$8
21Toyota Highlander$1,762--
22Chevrolet Blazer$1,786$24
23Hyundai Santa Fe$1,810$48
24Jeep Grand Cherokee$1,876$114
25Jeep Cherokee$1,914$152
26Jeep Wrangler$1,952$190
27Ford Bronco$1,962$200
28Tesla Model Y$1,970$208
29Mitsubishi Outlander PHEV$2,018$256
30Dodge Durango$2,102$340
31Rivian R1S$2,160$398

Comparing car insurance quotes on a Toyota Highlander to models in a similar price range gives more insight into how rates compare. The 2023 Highlander has an average purchase price of $44,809 with MSRP ranging from $36,420 to $52,425.

The models in the midsize non-luxury SUV segment that have the most similar average MSRP to the Toyota Highlander are the GMC Acadia, Honda Pilot, Toyota 4Runner, and Chevrolet Traverse.

Here’s how those models compare to the Toyota Highlander both by sticker price and average full-coverage insurance cost. For comparisons of other makes and models, see our insurance rate comparisons page.

  • Toyota Highlander vs. GMC Acadia – The 2023 GMC Acadia sells for an average of $44,567, ranging from $38,195 to $51,500, which is $242 cheaper than the average cost of the Highlander. The cost to insure a Toyota Highlander compared to the GMC Acadia is $80 more per year on average.
  • Toyota Highlander vs. Honda Pilot – The average MSRP for a 2023 Toyota Highlander is $414 cheaper than the Honda Pilot, at $44,809 compared to $45,223. Insurance on a 2023 Toyota Highlander costs an average of $66 more every 12 months than the Honda Pilot.
  • Toyota Highlander vs. Toyota 4Runner – Having an average price of $44,390 ($38,805 to $53,270), the Toyota 4Runner costs $419 less than the average cost for the Highlander. Insurance on the Toyota Highlander costs an average of $108 more per year than the Toyota 4Runner.
  • Toyota Highlander vs. Chevrolet Traverse – New off the lot, the MSRP for the Chevrolet Traverse averages $561 more than the average sticker price for the Highlander ($45,370 compared to $44,809). Insuring the Highlander compared to the Chevrolet Traverse costs an average of $78 more annually.

Toyota Highlander prior model year insurance rates

The following sections detail average Toyota Highlander insurance rates for every trim level for the 2015 to 2022 model years.

2022 Toyota Highlander Insurance Rates

Average insurance rates for a 2022 Toyota Highlander are $1,662 per year, or around $139 per month. Rates range from $1,456 per year for the Highlander L 2WD to $1,874 for the Highlander Hybrid Platinum AWD.

2022 Toyota Highlander Insurance Cost by Trim Level
2022 Toyota Highlander Trim Level Annual Rate Per Month
L 2WD$1,456$121
L AWD$1,494$125
LE 2WD$1,506$126
LE AWD$1,534$128
XLE 2WD$1,564$130
XLE AWD$1,588$132
XSE 2WD$1,588$132
Bronze Edition 2WD$1,616$135
XSE AWD$1,620$135
Limited 2WD$1,626$136
Bronze Edition AWD$1,640$137
Limited AWD$1,654$138
Platinum 2WD$1,666$139
Platinum AWD$1,690$141
Hybrid LE 2WD$1,700$142
Hybrid LE AWD$1,730$144
Hybrid XLE 2WD$1,754$146
Hybrid XLE AWD$1,778$148
Hybrid Limited 2WD$1,812$151
Hybrid Limited AWD$1,838$153
Hybrid Platinum 2WD$1,856$155
Hybrid Platinum AWD$1,874$156

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2022 Toyota Highlander Insurance Cost by Trim Level

2021 Toyota Highlander Insurance Rates

Average insurance rates for a 2021 Toyota Highlander are $1,710 per year, or around $143 per month. Rates range from $1,502 per year for the Highlander L 2WD to $1,968 for the Highlander Hybrid Platinum 4WD.

2021 Toyota Highlander Insurance Cost by Trim Level
2021 Toyota Highlander Trim Level Annual Rate Per Month
L 2WD$1,502$125
L 4WD$1,550$129
LE 2WD$1,550$129
LE 4WD$1,550$129
XLE 2WD$1,550$129
Limited 2WD$1,600$133
XLE 4WD$1,600$133
Limited 4WD$1,648$137
Platinum 2WD$1,648$137
Platinum 4WD$1,648$137
Hybrid LE 2WD$1,804$150
Hybrid LE 4WD$1,804$150
Hybrid XLE 4WD$1,854$155
Hybrid Limited 2WD$1,936$161
Hybrid Limited 4WD$1,936$161
Hybrid Platinum 2WD$1,936$161
Hybrid Platinum 4WD$1,968$164

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2021 Toyota Highlander Insurance Cost by Trim Level

2020 Toyota Highlander Car Insurance Rates

Average insurance rates for a 2020 Toyota Highlander are $1,688 per year, or around $141 per month. Rates range from $1,480 per year for the Highlander L 2WD to $1,942 for the Highlander Hybrid Platinum 4WD.

2020 Toyota Highlander Insurance Cost by Trim Level
2020 Toyota Highlander Trim Level Annual Rate Per Month
L 2WD$1,480$123
L 4WD$1,528$127
LE 2WD$1,528$127
LE 4WD$1,528$127
XLE 2WD$1,528$127
Limited 2WD$1,576$131
XLE 4WD$1,576$131
Limited 4WD$1,624$135
Platinum 2WD$1,624$135
Platinum 4WD$1,624$135
Hybrid LE 2WD$1,780$148
Hybrid LE 4WD$1,780$148
Hybrid XLE 4WD$1,828$152
Hybrid Limited 2WD$1,910$159
Hybrid Limited 4WD$1,910$159
Hybrid Platinum 2WD$1,910$159
Hybrid Platinum 4WD$1,942$162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2020 Toyota Highlander Insurance Cost by Trim Level

2019 Toyota Highlander Insurance Rates

Average 2019 Toyota Highlander insurance rates are $1,590 per year, or around $133 per month. Rates range from $1,432 per year for the Highlander LE 2WD to $1,746 for the Highlander Hybrid Limited Platinum 4WD.

2019 Toyota Highlander Insurance Cost by Trim Level
2019 Toyota Highlander Trim Level Annual Rate Per Month
LE 2WD$1,432$119
LE 4WD$1,478$123
LE Plus 2WD$1,522$127
LE Plus 4WD$1,522$127
XLE 2WD$1,522$127
Limited 2WD$1,568$131
Limited 4WD$1,568$131
SE 2WD$1,568$131
SE 4WD$1,568$131
XLE 4WD$1,568$131
Limited Platinum 2WD$1,614$135
Limited Platinum 4WD$1,614$135
Hybrid 4WD$1,654$138
Hybrid LE 4WD$1,654$138
Hybrid XLE 4WD$1,700$142
Hybrid Limited 4WD$1,746$146
Hybrid Limited Platinum 4WD$1,746$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2019 Toyota Highlander Insurance Cost by Trim Level

2018 Toyota Highlander Insurance Rates

2018 Toyota Highlander insurance averages $1,546 per year, or around $129 per month. Rates range from $1,394 per year for the Highlander LE 2WD to $1,700 for the Highlander Hybrid Limited 4WD.

2018 Toyota Highlander Insurance Cost by Trim Level
2018 Toyota Highlander Trim Level Annual Rate Per Month
LE 2WD$1,394$116
LE 4WD$1,438$120
Plus 2WD$1,438$120
Plus 4WD$1,482$124
XLE 2WD$1,482$124
Limited 4WD$1,526$127
SE 4WD$1,526$127
XLE 4WD$1,526$127
SE 2WD$1,550$129
Limited Platinum 4WD$1,570$131
Limited 2WD$1,594$133
Limited Platinum 2WD$1,594$133
Hybrid LE 4WD$1,612$134
Hybrid XLE 4WD$1,656$138
Hybrid 4WD$1,700$142
Hybrid Limited 4WD$1,700$142

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2018 Toyota Highlander Insurance Cost by Trim Level

2017 Toyota Highlander Auto Insurance Rates

Average insurance rates for a 2017 Toyota Highlander are $1,474 per year, or about $123 per month. Rates range from $1,340 per year for the Highlander LE 2WD to $1,634 for the Highlander Hybrid Platinum 4WD.

2017 Toyota Highlander Insurance Cost by Trim Level
2017 Toyota Highlander Trim Level Annual Rate Per Month
LE 2WD$1,340$112
LE 4WD$1,382$115
Plus 2WD$1,382$115
Plus 4WD$1,424$119
XLE 2WD$1,424$119
XLE 4WD$1,424$119
Limited 2WD$1,466$122
Limited 4WD$1,466$122
Platinum 2WD$1,466$122
Platinum 4WD$1,506$126
Hybrid LE 4WD$1,552$129
Hybrid Limited 4WD$1,592$133
Hybrid XLE 4WD$1,592$133
Hybrid Platinum 4WD$1,634$136

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2017 Toyota Highlander Insurance Cost by Trim Level

2016 Toyota Highlander Insurance Rates

Insurance rates for a 2016 Toyota Highlander average $1,498 per year, or around $125 per month. Rates range from $1,358 per year for the Highlander LE 2WD to $1,680 for the Highlander Hybrid Platinum 4WD.

2016 Toyota Highlander Insurance Cost by Trim Level
2016 Toyota Highlander Trim Level Annual Rate Per Month
LE 2WD$1,358$113
LE 4WD$1,398$117
Plus 2WD$1,436$120
Plus 4WD$1,436$120
XLE 2WD$1,476$123
XLE 4WD$1,476$123
Limited 2WD$1,512$126
Limited 4WD$1,512$126
Platinum 2WD$1,512$126
Platinum 4WD$1,512$126
Hybrid Limited 4WD$1,640$137
Hybrid Platinum 4WD$1,680$140

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2016 Toyota Highlander Insurance Cost by Trim Level

2015 Toyota Highlander Insurance Rates

A 2015 Toyota Highlander costs on average $1,340 per year to insure for full coverage, or around $112 per month. Rates range from $1,210 per year for the Highlander LE 2WD to $1,550 for the Highlander Hybrid Platinum 4WD.

2015 Toyota Highlander Insurance Cost by Trim Level
2015 Toyota Highlander Trim Level Annual Rate Per Month
LE 2WD$1,210$101
LE 4WD$1,246$104
Plus 2WD$1,246$104
Plus 4WD$1,282$107
Limited 2WD$1,316$110
XLE 2WD$1,316$110
XLE 4WD$1,316$110
Limited 4WD$1,352$113
Platinum 2WD$1,352$113
Platinum 4WD$1,352$113
Hybrid Limited 4WD$1,550$129
Hybrid Platinum 4WD$1,550$129

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Toyota Highlander, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2015 Toyota Highlander Insurance Cost by Trim Level

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 $53 and $178 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 $277 per year when compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $321 more per year.
  • Being a good driver saves money. Having frequent at-fault accidents will raise rates, possibly as much as $2,484 per year for a 20-year-old driver and as much as $534 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 $294 per year for a 40-year-old driver and $580 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 $306 per year for a 40-year-old driver and $616 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 $2,082 or more per year.
  • Young male drivers pay the highest rates. For a 2023 Toyota Highlander, a 20-year-old man will have an average rate of $3,524 per year, while a 20-year-old woman will get a rate of $2,594, a difference of $930 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,604 and female rates are $1,574, a difference of only $30.
  • Obey the law to get a lower policy price. 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 $462 per year. Serious misdemeanors like driving without insurance could raise rates by an additional $1,634 or more.