- Toyota Highlander car insurance costs an average of $1,534 per year or around $128 per month, depending on the trim level.
- Drivers can find the cheapest Highlander insurance on the base L 2WD model, costing an average of $1,344 per year. The Highlander Hybrid Platinum AWD has the highest rates at $1,728 per year.
- Out of 29 vehicles in the 2022 midsize SUV segment, the Highlander ranks #15 for insurance affordability.
- Average rates for earlier Toyota Highlander model years range from $1,122 for the 2013 model year to $1,540 for the 2020 model year.
How much does Toyota Highlander insurance cost?
Toyota Highlander car insurance costs an average of $1,534 a year, or about $128 a month. Expect to pay about $10 less 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 $33 less to insure than the national average rate of $1,567 per year, which is a 2.1% difference.
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 $14,020 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 $1,344 to $1,728 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 $1,380 per year.
Plan on budgeting at least $112 per month for full coverage Highlander insurance but less if insuring for liability-only. Average Toyota Highlander insurance cost per month ranges from $112 to $144 depending on the trim level.
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 $1,692, $1,708, and $1,728 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 | $1,344 | $672 | $112 |
| L AWD | $1,380 | $690 | $115 |
| LE 2WD | $1,390 | $695 | $116 |
| LE AWD | $1,418 | $709 | $118 |
| XLE 2WD | $1,444 | $722 | $120 |
| XLE AWD | $1,468 | $734 | $122 |
| XSE 2WD | $1,468 | $734 | $122 |
| Bronze Edition 2WD | $1,494 | $747 | $125 |
| XSE AWD | $1,496 | $748 | $125 |
| Limited 2WD | $1,502 | $751 | $125 |
| Bronze Edition AWD | $1,516 | $758 | $126 |
| Limited AWD | $1,528 | $764 | $127 |
| Platinum 2WD | $1,540 | $770 | $128 |
| Platinum AWD | $1,560 | $780 | $130 |
| Hybrid LE 2WD | $1,564 | $782 | $130 |
| Hybrid LE AWD | $1,592 | $796 | $133 |
| Hybrid XLE 2WD | $1,616 | $808 | $135 |
| Hybrid XLE AWD | $1,636 | $818 | $136 |
| Hybrid Limited 2WD | $1,668 | $834 | $139 |
| Hybrid Limited AWD | $1,692 | $846 | $141 |
| Hybrid Platinum 2WD | $1,708 | $854 | $142 |
| Hybrid Platinum AWD | $1,728 | $864 | $144 |
Is Toyota Highlander insurance expensive?
The 2022 Toyota Highlander ranks #15 out of 29 total comparison vehicles in the midsize SUV segment. Highlander insurance costs an average of $1,534 per year for insurance, while the category average rate is $1,544 per year, a difference of $10 per year.
When compared to popular vehicles in the midsize SUV segment, car insurance for a Toyota Highlander costs $146 less per year than the Jeep Grand Cherokee, $100 more than the Ford Explorer, $158 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 | Honda Passport | $1,224 | -$310 |
| 2 | Subaru Ascent | $1,310 | -$224 |
| 3 | Ford Edge | $1,374 | -$160 |
| 4 | Subaru Outback | $1,398 | -$136 |
| 5 | Nissan Murano | $1,416 | -$118 |
| 6 | Toyota Venza | $1,424 | -$110 |
| 7 | Ford Explorer | $1,434 | -$100 |
| 8 | Kia Sorento | $1,444 | -$90 |
| 9 | Hyundai Palisade | $1,462 | -$72 |
| 10 | Volkswagen Atlas | $1,472 | -$62 |
| 11 | Toyota 4Runner | $1,488 | -$46 |
| 12 | Volkswagen Atlas Cross Sport | $1,528 | -$6 |
| 13 | Mazda CX-9 | $1,530 | -$4 |
| 14 | GMC Acadia | $1,532 | -$2 |
| 15 | Toyota Highlander | $1,534 | -- |
| 16 | Nissan Pathfinder | $1,540 | $6 |
| 17 | Honda Pilot | $1,546 | $12 |
| 18 | Mitsubishi Outlander Sport | $1,548 | $14 |
| 19 | Buick Enclave | $1,562 | $28 |
| 20 | Chevrolet Traverse | $1,568 | $34 |
| 21 | Hyundai Santa Fe | $1,590 | $56 |
| 22 | Kia Telluride | $1,596 | $62 |
| 23 | Chevrolet Blazer | $1,610 | $76 |
| 24 | Jeep Grand Cherokee | $1,680 | $146 |
| 25 | Jeep Cherokee | $1,692 | $158 |
| 26 | Mitsubishi Outlander PHEV | $1,768 | $234 |
| 27 | Dodge Durango | $1,788 | $254 |
| 28 | Tesla Model Y | $1,804 | $270 |
| 29 | Rivian R1S | $1,902 | $368 |
Comparing car insurance quotes on a Toyota Highlander to models in a similar price range gives more insight into how rates compare. The 2022 Highlander has an average purchase price of $43,458 with MSRP ranging from $35,405 to $50,960.
The models in the midsize non-luxury SUV segment that have the most similar average MSRP to the Toyota Highlander are the Honda Pilot, Toyota 4Runner, Chevrolet Traverse, and GMC Acadia.
Here’s how those models compare to the Toyota Highlander both by sticker price and average full-coverage insurance cost.
- Toyota Highlander vs. Honda Pilot – The 2022 Honda Pilot sells for an average of $43,960, ranging from $37,580 to $51,370, which is $502 more expensive than the average cost of the Highlander. The cost to insure a Toyota Highlander compared to the Honda Pilot is $12 less per year on average.
- Toyota Highlander vs. Toyota 4Runner – The average MSRP for a 2022 Toyota Highlander is $624 more expensive than the Toyota 4Runner, at $43,458 compared to $42,834. Insurance on a 2022 Toyota Highlander costs an average of $46 more every 12 months than the Toyota 4Runner.
- Toyota Highlander vs. Chevrolet Traverse – Having an average price of $44,378 ($34,895 to $54,595), the Chevrolet Traverse costs $920 more than the average cost for the Highlander. Insurance on the Toyota Highlander costs an average of $34 less per year than the Chevrolet Traverse.
- Toyota Highlander vs. GMC Acadia – New off the lot, the MSRP for the GMC Acadia averages $1,176 less than the average sticker price for the Highlander ($42,282 compared to $43,458). Insuring the Highlander compared to the GMC Acadia costs an average of $2 more annually.
Toyota Highlander prior model year insurance rates
The following sections detail average Toyota Highlander insurance rates for every trim level for the 2013 to 2021 model years.
2021 Toyota Highlander Insurance Rates
Average insurance rates for a 2021 Toyota Highlander are $1,568 per year, or around $131 per month. Rates range from $1,378 per year for the Highlander L 2WD to $1,804 for the Highlander Hybrid Platinum 4WD.
| 2021 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| L 2WD | $1,378 | $115 |
| L 4WD | $1,422 | $119 |
| LE 2WD | $1,422 | $119 |
| LE 4WD | $1,422 | $119 |
| XLE 2WD | $1,422 | $119 |
| Limited 2WD | $1,468 | $122 |
| XLE 4WD | $1,468 | $122 |
| Limited 4WD | $1,514 | $126 |
| Platinum 2WD | $1,514 | $126 |
| Platinum 4WD | $1,514 | $126 |
| Hybrid LE 2WD | $1,652 | $138 |
| Hybrid LE 4WD | $1,652 | $138 |
| Hybrid XLE 4WD | $1,698 | $142 |
| Hybrid Limited 2WD | $1,774 | $148 |
| Hybrid Limited 4WD | $1,774 | $148 |
| Hybrid Platinum 2WD | $1,774 | $148 |
| Hybrid Platinum 4WD | $1,804 | $150 |
2020 Toyota Highlander Car Insurance Rates
Average insurance rates for a 2020 Toyota Highlander are $1,540 per year, or around $128 per month. Rates range from $1,352 per year for the Highlander L 2WD to $1,774 for the Highlander Hybrid Platinum 4WD.
| 2020 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| L 2WD | $1,352 | $113 |
| L 4WD | $1,396 | $116 |
| LE 2WD | $1,396 | $116 |
| LE 4WD | $1,396 | $116 |
| XLE 2WD | $1,396 | $116 |
| Limited 2WD | $1,440 | $120 |
| XLE 4WD | $1,440 | $120 |
| Limited 4WD | $1,484 | $124 |
| Platinum 2WD | $1,484 | $124 |
| Platinum 4WD | $1,484 | $124 |
| Hybrid LE 2WD | $1,624 | $135 |
| Hybrid LE 4WD | $1,624 | $135 |
| Hybrid XLE 4WD | $1,670 | $139 |
| Hybrid Limited 2WD | $1,742 | $145 |
| Hybrid Limited 4WD | $1,742 | $145 |
| Hybrid Platinum 2WD | $1,742 | $145 |
| Hybrid Platinum 4WD | $1,774 | $148 |
2019 Toyota Highlander Insurance Rates
Average 2019 Toyota Highlander insurance rates are $1,468 per year, or around $122 per month. Rates range from $1,322 per year for the Highlander LE 2WD to $1,610 for the Highlander Hybrid Limited Platinum 4WD.
| 2019 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,322 | $110 |
| LE 4WD | $1,364 | $114 |
| LE Plus 2WD | $1,406 | $117 |
| LE Plus 4WD | $1,406 | $117 |
| XLE 2WD | $1,406 | $117 |
| Limited 2WD | $1,450 | $121 |
| Limited 4WD | $1,450 | $121 |
| SE 2WD | $1,450 | $121 |
| SE 4WD | $1,450 | $121 |
| XLE 4WD | $1,450 | $121 |
| Limited Platinum 2WD | $1,494 | $125 |
| Limited Platinum 4WD | $1,494 | $125 |
| Hybrid 4WD | $1,524 | $127 |
| Hybrid LE 4WD | $1,524 | $127 |
| Hybrid XLE 4WD | $1,568 | $131 |
| Hybrid Limited 4WD | $1,610 | $134 |
| Hybrid Limited Platinum 4WD | $1,610 | $134 |
2018 Toyota Highlander Insurance Rates
2018 Toyota Highlander insurance averages $1,432 per year, or around $119 per month. Rates range from $1,288 per year for the Highlander LE 2WD to $1,568 for the Highlander Hybrid Limited 4WD.
| 2018 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,288 | $107 |
| LE 4WD | $1,330 | $111 |
| Plus 2WD | $1,330 | $111 |
| Plus 4WD | $1,370 | $114 |
| XLE 2WD | $1,370 | $114 |
| Limited 4WD | $1,412 | $118 |
| SE 4WD | $1,412 | $118 |
| XLE 4WD | $1,412 | $118 |
| SE 2WD | $1,432 | $119 |
| Limited Platinum 4WD | $1,454 | $121 |
| Limited 2WD | $1,474 | $123 |
| Limited Platinum 2WD | $1,474 | $123 |
| Hybrid LE 4WD | $1,486 | $124 |
| Hybrid XLE 4WD | $1,528 | $127 |
| Hybrid 4WD | $1,568 | $131 |
| Hybrid Limited 4WD | $1,568 | $131 |
2017 Toyota Highlander Auto Insurance Rates
Average insurance rates for a 2017 Toyota Highlander are $1,382 per year, or about $115 per month. Rates range from $1,254 per year for the Highlander LE 2WD to $1,528 for the Highlander Hybrid Platinum 4WD.
| 2017 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,254 | $105 |
| LE 4WD | $1,294 | $108 |
| Plus 2WD | $1,294 | $108 |
| Plus 4WD | $1,334 | $111 |
| XLE 2WD | $1,334 | $111 |
| XLE 4WD | $1,334 | $111 |
| Limited 2WD | $1,374 | $115 |
| Limited 4WD | $1,374 | $115 |
| Platinum 2WD | $1,374 | $115 |
| Platinum 4WD | $1,416 | $118 |
| Hybrid LE 4WD | $1,448 | $121 |
| Hybrid Limited 4WD | $1,490 | $124 |
| Hybrid XLE 4WD | $1,490 | $124 |
| Hybrid Platinum 4WD | $1,528 | $127 |
2016 Toyota Highlander Insurance Rates
Insurance rates for a 2016 Toyota Highlander average $1,388 per year, or around $116 per month. Rates range from $1,256 per year for the Highlander LE 2WD to $1,558 for the Highlander Hybrid Platinum 4WD.
| 2016 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,256 | $105 |
| LE 4WD | $1,292 | $108 |
| Plus 2WD | $1,330 | $111 |
| Plus 4WD | $1,330 | $111 |
| XLE 2WD | $1,366 | $114 |
| XLE 4WD | $1,366 | $114 |
| Limited 2WD | $1,404 | $117 |
| Limited 4WD | $1,404 | $117 |
| Platinum 2WD | $1,404 | $117 |
| Platinum 4WD | $1,404 | $117 |
| Hybrid Limited 4WD | $1,520 | $127 |
| Hybrid Platinum 4WD | $1,558 | $130 |
2015 Toyota Highlander Insurance Rates
A 2015 Toyota Highlander costs on average $1,270 per year to insure for full coverage, or around $106 per month. Rates range from $1,144 per year for the Highlander LE 2WD to $1,470 for the Highlander Hybrid Platinum 4WD.
| 2015 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,144 | $95 |
| LE 4WD | $1,178 | $98 |
| Plus 2WD | $1,178 | $98 |
| Plus 4WD | $1,214 | $101 |
| Limited 2WD | $1,250 | $104 |
| XLE 2WD | $1,250 | $104 |
| XLE 4WD | $1,250 | $104 |
| Limited 4WD | $1,284 | $107 |
| Platinum 2WD | $1,284 | $107 |
| Platinum 4WD | $1,284 | $107 |
| Hybrid Limited 4WD | $1,470 | $123 |
| Hybrid Platinum 4WD | $1,470 | $123 |
2014 Toyota Highlander Insurance Rates
Average insurance rates for a 2014 Toyota Highlander are $1,210 per year, or around $101 per month. Rates range from $1,088 per year for the Highlander LE 2WD to $1,336 for the Highlander Hybrid Platinum 4WD.
| 2014 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| LE 2WD | $1,088 | $91 |
| LE 4WD | $1,120 | $93 |
| Plus 2WD | $1,120 | $93 |
| Plus 4WD | $1,152 | $96 |
| Limited 2WD | $1,184 | $99 |
| XLE 2WD | $1,184 | $99 |
| Limited 4WD | $1,216 | $101 |
| Platinum 2WD | $1,216 | $101 |
| Platinum 4WD | $1,216 | $101 |
| XLE 4WD | $1,216 | $101 |
| Hybrid 4WD | $1,336 | $111 |
| Hybrid Limited 4WD | $1,336 | $111 |
| Hybrid Platinum 4WD | $1,336 | $111 |
2013 Toyota Highlander Insurance Rates
2013 Toyota Highlander average insurance rates are $1,122 per year, or around $94 per month. Rates range from $1,032 per year for the Highlander 2WD to $1,250 for the Highlander Hybrid Limited 4WD.
| 2013 Toyota Highlander Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2WD | $1,032 | $86 |
| 4WD | $1,062 | $89 |
| Plus 2WD | $1,062 | $89 |
| Plus 4WD | $1,112 | $93 |
| SE 2WD | $1,112 | $93 |
| SE 4WD | $1,112 | $93 |
| Limited 2WD | $1,142 | $95 |
| Limited 4WD | $1,142 | $95 |
| Hybrid 4WD | $1,192 | $99 |
| Hybrid Limited 4WD | $1,250 | $104 |
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 $46 and $159 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 $241 per year when compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $279 more per year.
- Being a good driver saves money. Having frequent at-fault accidents will raise rates, possibly as much as $2,164 per year for a 20-year-old driver and as much as $464 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 $498 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 $266 per year for a 40-year-old driver and $530 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 $1,814 or more per year.
- Young male drivers pay the highest rates. For a 2022 Toyota Highlander, a 20-year-old man will have an average rate of $3,068 per year, while a 20-year-old woman will get a rate of $2,258, a difference of $810 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,398 and female rates are $1,370, 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 $402 per year. Serious misdemeanors like driving without insurance could raise rates by an additional $1,422 or more.
