Toyota Highlander Car Insurance Rates for 2021

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 $1,602 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 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.
Toyota Highlander Insurance Cost Summary
Toyota Highlander Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,658$305
Safe Driver Age 20$3,202$267
At-fault Accidents Age 40$2,268$189
Low Deductibles Age 40$2,090$174
Safe Driver Age 30$1,686$141
Safe Driver Age 40$1,602$134
Safe Driver Age 50$1,456$121
Safe Driver Age 60$1,432$119
High Deductibles Age 40$1,350$113
Discount Rate Age 40$1,326$111

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.

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 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.

2021 Toyota Highlander Insurance Cost by Trim Level
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

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.
Toyota Highlander Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 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.
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
1Ford Edge$1,274-$328
2Chevrolet Blazer$1,282-$320
3Honda Passport$1,290-$312
4Kia Telluride$1,308-$294
5Volkswagen Atlas$1,318-$284
6Subaru Ascent$1,324-$278
7Nissan Murano$1,370-$232
8Honda Pilot$1,376-$226
9Buick Enclave$1,430-$172
10Hyundai Palisade$1,434-$168
11Subaru Outback$1,466-$136
12Ford Explorer$1,472-$130
13GMC Acadia$1,478-$124
14Chevrolet Traverse$1,488-$114
15Kia Sorento$1,494-$108
16Toyota 4Runner$1,506-$96
17Nissan Pathfinder$1,544-$58
18Mitsubishi Outlander Sport$1,556-$46
19Mazda CX-9$1,556-$46
20Toyota Venza$1,566-$36
21Hyundai Santa Fe$1,578-$24
22Toyota Highlander$1,602--
23Dodge Durango$1,642$40
24Jeep Grand Cherokee$1,666$64
25Jeep Cherokee$1,708$106
26Mitsubishi Outlander PHEV$1,714$112
27Tesla 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 Insurance Cost by Trim Level
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

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.
2020 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2019 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2018 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2017 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2016 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2015 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
2014 Toyota Highlander Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
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

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.
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 $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.