Toyota Highlander Car Insurance Rates for 2022

How much does Toyota Highlander insurance cost? We compare rates from the base trim level up to the Hybrid Platinum 4WD model to see how car insurance prices rank against other midsize SUVs.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 September 8, 2022
Toyota Highlander Insurance Cost Summary
Toyota Highlander Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,506$292
Safe Driver Age 20$3,068$256
At-fault Accidents Age 40$2,162$180
Low Deductibles Age 40$2,030$169
Safe Driver Age 30$1,626$136
Safe Driver Age 40$1,534$128
Safe Driver Age 50$1,398$117
Safe Driver Age 60$1,374$115
High Deductibles Age 40$1,282$107
Discount Rate Age 40$1,276$106

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.

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 $1,692,  $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.

2022 Toyota Highlander Insurance Cost by Trim Level
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

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 September 8, 2022
Toyota Highlander Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 September 8, 2022
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$1,224-$310
2Subaru Ascent$1,310-$224
3Ford Edge$1,374-$160
4Subaru Outback$1,398-$136
5Nissan Murano$1,416-$118
6Toyota Venza$1,424-$110
7Ford Explorer$1,434-$100
8Kia Sorento$1,444-$90
9Hyundai Palisade$1,462-$72
10Volkswagen Atlas$1,472-$62
11Toyota 4Runner$1,488-$46
12Volkswagen Atlas Cross Sport$1,528-$6
13Mazda CX-9$1,530-$4
14GMC Acadia$1,532-$2
15Toyota Highlander$1,534--
16Nissan Pathfinder$1,540$6
17Honda Pilot$1,546$12
18Mitsubishi Outlander Sport$1,548$14
19Buick Enclave$1,562$28
20Chevrolet Traverse$1,568$34
21Hyundai Santa Fe$1,590$56
22Kia Telluride$1,596$62
23Chevrolet Blazer$1,610$76
24Jeep Grand Cherokee$1,680$146
25Jeep Cherokee$1,692$158
26Mitsubishi Outlander PHEV$1,768$234
27Dodge Durango$1,788$254
28Tesla Model Y$1,804$270
29Rivian 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 Insurance Cost by Trim Level
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

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 September 8, 2022
2021 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2020 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2019 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2018 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2017 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2016 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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 September 8, 2022
2015 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 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 September 8, 2022
2014 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 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 September 8, 2022
2013 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 $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.