Toyota Highlander insurance costs change based on model year, with monthly premiums ranging from about $238 for 2025 models down to around $74 for older Highlanders, depending on coverage and insurer. Newer Highlanders often cost more to insure due to their higher market values.
Toyota Highlander Insurance Cost
Updated: January 20, 2026
How Much Is Toyota Highlander Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Costs vary by model year and company. Toyota Highlander minimum coverage spans $61 monthly with GEICO to $150 with UAIC, while full coverage starts at $132 monthly with GEICO.
Rate variations exceeding $89 for minimum coverage demonstrate why Highlander owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $104 | $217 |
| AIG | $130 | $322 |
| Allstate | $114 | $221 |
| Amica | $114 | $233 |
| Chubb | $119 | $238 |
| Farmers | $140 | $247 |
| Geico | $61 | $132 |
| Kemper | $94 | $190 |
| Nationwide | $98 | $170 |
| Progressive | $87 | $162 |
| State Farm | $84 | $175 |
| The Hartford | $99 | $169 |
| Travelers | $78 | $144 |
| UAIC | $150 | $188 |
Is Toyota Highlander Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Toyota Highlander ranking 94th for insurance affordability. This means 93 vehicles cost less to insure. The Highlander sits between the slightly cheaper Infiniti JX and the marginally pricier Volvo XC60, positioning it squarely in the middle of the SUV pack.
The Highlander's 381st place out of 827 total vehicles puts it in the top half for affordability across all car types. While SUVs generally cost more to insure, the Highlander's positioning makes it reasonably priced compared to options like the budget-friendly Isuzu Amigo or the premium Audi SQ8 e-tron.
| Toyota Sequoia | $131 | 91 |
| Jeep Wrangler Unlimited | $131 | 91 |
| Ford Mustang Mach-E | $132 | 92 |
| Infiniti JX | $132 | 93 |
| Toyota Highlander | $133 | 94 |
| Volvo XC60 | $133 | 95 |
| Kia Sportage | $133 | 95 |
| Subaru Solterra | $133 | 95 |
| Hyundai Ioniq 5 | $133 | 96 |
| Mazda CX-5 | $134 | 97 |
Several factors affect what you'll pay for Toyota Highlander insurance:
- Average Repair or Replacement Costs: The Toyota Highlander's $827 annual repair costs make it the 10th most expensive Toyota model to maintain out of 32. While not the cheapest option, these moderate maintenance expenses help keep insurance premiums reasonable compared to luxury SUVs.
- Vehicle Trim, Features and Accessories: Higher trims cost more to insure due to increased horsepower capabilities. The Highlander's performance ranges from 265 to 295 horsepower depending on your engine choice and insurers usually charge higher premiums for more powerful vehicles.
- Driver Profile: Most Toyota Highlander drivers are 35 to 50 years old with a median age around 42, which generally leads to lower insurance rates. However, the Highlander's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Toyota Highlanders for young drivers.
Toyota Highlander Insurance Cost by State
Toyota Highlander insurance costs vary by location, ranging from just $33 monthly in Wyoming to $175 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $77 | $147 |
| Alaska | $63 | $134 |
| Arizona | $111 | $206 |
| Arkansas | $75 | $166 |
| California | $87 | $177 |
| Colorado | $86 | $205 |
| Connecticut | $123 | $211 |
| Delaware | $125 | $210 |
| District Of Columbia | $94 | $175 |
| Florida | $119 | $276 |
| Georgia | $129 | $213 |
| Hawaii | $47 | $105 |
| Idaho | $49 | $100 |
| Illinois | $82 | $154 |
| Indiana | $59 | $115 |
| Iowa | $51 | $123 |
| Kansas | $66 | $153 |
| Kentucky | $110 | $186 |
| Louisiana | $175 | $372 |
| Maine | $47 | $98 |
| Maryland | $137 | $232 |
| Massachusetts | $90 | $192 |
| Michigan | $144 | $278 |
| Minnesota | $76 | $158 |
| Mississippi | $82 | $161 |
| Missouri | $110 | $218 |
| Montana | $66 | $156 |
| Nebraska | $67 | $151 |
| Nevada | $159 | $286 |
| New Hampshire | $63 | $112 |
| New Jersey | $147 | $242 |
| New Mexico | $73 | $162 |
| New York | $111 | $200 |
| North Carolina | $74 | $145 |
| North Dakota | $56 | $121 |
| Ohio | $67 | $131 |
| Oklahoma | $84 | $186 |
| Oregon | $107 | $186 |
| Pennsylvania | $80 | $187 |
| Rhode Island | $110 | $197 |
| South Carolina | $89 | $167 |
| South Dakota | $50 | $152 |
| Tennessee | $70 | $141 |
| Texas | $111 | $227 |
| Utah | $97 | $165 |
| Vermont | $42 | $99 |
| Virginia | $85 | $138 |
| Washington | $81 | $151 |
| West Virginia | $77 | $157 |
| Wisconsin | $59 | $130 |
| Wyoming | $33 | $104 |
Toyota Highlander Costs by Model Year and Insurance Company
Full coverage car insurance for a 35- to 55-year old driver with a 2025 Toyota Highlander costs an average of $250 per month compared to $214 for a 2016 model. This $36 monthly gap shows how newer car models tend to be more expensive to insure than older ones.
Insurance costs for your Toyota Highlander may change greatly depending on your model year and the age of drivers on your policy, with young drivers in their teens and early twenties paying much more across all years.
GEICO offers the cheapest rates across all Toyota Highlander model years and could save certain drivers hundreds of dollars per month. Shopping between insurers gives you the best opportunity to reduce your insurance costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Highlander
| Geico | $78 | $169 |
| National General | $95 | $195 |
| Travelers | $95 | $176 |
| Progressive | $102 | $191 |
| State Farm | $107 | $221 |
| Nationwide | $110 | $191 |
| Kemper | $123 | $251 |
| The Hartford | $133 | $226 |
| AAA | $135 | $280 |
| Allstate | $135 | $261 |
| Amica | $144 | $296 |
| Chubb | $160 | $318 |
| AIG | $166 | $416 |
| UAIC | $185 | $233 |
| Farmers | $188 | $331 |
Cost of Car Insurance for 2024 Toyota Highlander
| Geico | $71 | $156 |
| National General | $88 | $179 |
| Travelers | $88 | $162 |
| Progressive | $94 | $175 |
| State Farm | $98 | $204 |
| Nationwide | $101 | $175 |
| Kemper | $113 | $230 |
| The Hartford | $122 | $208 |
| AAA | $124 | $257 |
| Allstate | $124 | $240 |
| Amica | $133 | $272 |
| Chubb | $147 | $293 |
| AIG | $153 | $383 |
| UAIC | $170 | $214 |
| Farmers | $173 | $304 |
Cost of Car Insurance for 2023 Toyota Highlander
| Geico | $66 | $144 |
| National General | $81 | $166 |
| Travelers | $81 | $149 |
| Progressive | $86 | $162 |
| State Farm | $90 | $188 |
| Nationwide | $93 | $162 |
| Kemper | $104 | $213 |
| The Hartford | $113 | $192 |
| AAA | $114 | $237 |
| Allstate | $115 | $221 |
| Amica | $123 | $251 |
| Chubb | $136 | $270 |
| AIG | $141 | $354 |
| UAIC | $157 | $198 |
| Farmers | $159 | $281 |
Cost of Car Insurance for 2022 Toyota Highlander
| Geico | $61 | $134 |
| National General | $75 | $154 |
| Travelers | $75 | $139 |
| Progressive | $80 | $151 |
| State Farm | $84 | $175 |
| Nationwide | $87 | $151 |
| Kemper | $97 | $198 |
| The Hartford | $105 | $179 |
| AAA | $107 | $221 |
| Allstate | $107 | $206 |
| Amica | $114 | $234 |
| Chubb | $126 | $252 |
| AIG | $132 | $330 |
| UAIC | $146 | $184 |
| Farmers | $148 | $262 |
Cost of Car Insurance for 2021 Toyota Highlander
| Geico | $57 | $124 |
| National General | $70 | $143 |
| Travelers | $70 | $129 |
| Progressive | $74 | $139 |
| State Farm | $78 | $162 |
| Nationwide | $81 | $139 |
| Kemper | $90 | $183 |
| The Hartford | $97 | $165 |
| AAA | $99 | $205 |
| Allstate | $99 | $191 |
| Amica | $106 | $217 |
| Chubb | $117 | $233 |
| AIG | $122 | $305 |
| UAIC | $135 | $170 |
| Farmers | $137 | $242 |
Cost of Car Insurance for 2020 Toyota Highlander
| Geico | $51 | $111 |
| National General | $62 | $127 |
| Travelers | $62 | $115 |
| Progressive | $66 | $124 |
| State Farm | $70 | $145 |
| Nationwide | $72 | $124 |
| Kemper | $80 | $164 |
| The Hartford | $87 | $148 |
| AAA | $88 | $183 |
| Allstate | $88 | $170 |
| Amica | $94 | $193 |
| Chubb | $104 | $208 |
| AIG | $109 | $272 |
| UAIC | $121 | $152 |
| Farmers | $123 | $216 |
Cost of Car Insurance for 2019 Toyota Highlander
| Geico | $64 | $139 |
| Travelers | $77 | $143 |
| National General | $79 | $163 |
| State Farm | $86 | $179 |
| Progressive | $94 | $177 |
| Nationwide | $100 | $172 |
| Kemper | $100 | $204 |
| The Hartford | $103 | $175 |
| AAA | $111 | $230 |
| Allstate | $113 | $219 |
| Amica | $125 | $255 |
| Chubb | $129 | $257 |
| AIG | $139 | $346 |
| UAIC | $145 | $182 |
| Farmers | $150 | $266 |
Cost of Car Insurance for 2018 Toyota Highlander
| Geico | $61 | $132 |
| National General | $73 | $150 |
| Travelers | $77 | $142 |
| State Farm | $86 | $180 |
| Progressive | $89 | $166 |
| Kemper | $95 | $192 |
| Nationwide | $101 | $175 |
| The Hartford | $101 | $172 |
| AAA | $105 | $218 |
| Allstate | $108 | $209 |
| Amica | $114 | $235 |
| Chubb | $122 | $243 |
| AIG | $131 | $328 |
| UAIC | $142 | $178 |
| Farmers | $143 | $253 |
Cost of Car Insurance for 2017 Toyota Highlander
| Geico | $57 | $124 |
| National General | $66 | $136 |
| Travelers | $79 | $146 |
| Progressive | $84 | $157 |
| State Farm | $88 | $183 |
| Kemper | $92 | $187 |
| AAA | $100 | $207 |
| The Hartford | $101 | $172 |
| Amica | $105 | $215 |
| Nationwide | $106 | $183 |
| Allstate | $106 | $205 |
| Chubb | $109 | $216 |
| AIG | $122 | $303 |
| UAIC | $137 | $171 |
| Farmers | $141 | $249 |
Cost of Car Insurance for 2016 Toyota Highlander
| Geico | $60 | $131 |
| National General | $77 | $159 |
| Travelers | $92 | $170 |
| Progressive | $92 | $172 |
| Kemper | $97 | $198 |
| State Farm | $104 | $218 |
| The Hartford | $106 | $181 |
| AAA | $112 | $232 |
| Nationwide | $121 | $209 |
| Allstate | $122 | $236 |
| Chubb | $123 | $245 |
| Amica | $123 | $252 |
| AIG | $138 | $343 |
| UAIC | $145 | $181 |
| Farmers | $163 | $288 |
Toyota Highlander Insurance Cost by Trim
Toyota Highlander insurance costs vary by trim, ranging from $72 monthly for minimum coverage on basic L Sport Utility 4D models to $238 for full coverage on Limited 25th Edition variants. Performance features, rarity and market value determine where your specific trim falls within this range.
| L Sport Utility 4d | $72 | $140 |
| Plus Sport Utility 4d | $74 | $142 |
| Hybrid Limited Sport Utility 4d | $80 | $153 |
| Hybrid Sport Utility 4d | $82 | $159 |
| Sport Utility 4d | $83 | $159 |
| Sport Suv 4d | $84 | $162 |
| Le Sport Utility 4d | $84 | $162 |
| Limited Hybrid Sport Utility 4d | $87 | $169 |
| Limited Sport Utility 4d | $88 | $171 |
| Le Plus Sport Utility 4d | $90 | $175 |
| Xse Sport Utility 4d | $91 | $176 |
| Se Sport Utility 4d | $92 | $178 |
| Xle Sport Utility 4d | $92 | $178 |
| Le | $93 | $181 |
| Limited Platinum Sport Utility 4d | $95 | $183 |
| Bronze Edition Sport Utility 4d | $95 | $184 |
| Platinum Sport Utility 4d | $95 | $185 |
| Limited Platinum Hybrid Sport Utility 4d | $97 | $187 |
| Le Nightshade | $98 | $190 |
| Xle | $102 | $198 |
| Xse | $105 | $204 |
| Xle Nightshade | $108 | $210 |
| Limited | $112 | $218 |
| Platinum | $120 | $234 |
| Limited 25th Edition | $122 | $238 |
How to Lower the Cost of Toyota Highlander Insurance
These proven strategies help you find better rates on your Toyota Highlander insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Toyota Highlander. Own your vehicle? Get your state's minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by researching average auto insurance costs for SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Toyota Highlander.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service.
- 4Explore Discounts You Qualify For
Discover car insurance discounts offered to your situation. Toyota Highlander owners usually qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto and home policies.
- 5Consider Alternative Car Insurance Types
Toyota Highlander owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Toyota Highlander insurance premiums.
Toyota Highlander Insurance Cost: Bottom Line
Toyota Highlander insurance runs average in cost, though you'll find decent rates with some effort. Compare quotes from multiple insurers and claim available discounts to get better pricing for your coverage.
Toyota Highlander Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Highlander?
Toyota Highlander insurance costs $1,086 annually for minimum coverage and $2,103 yearly for full coverage. These rates make the Highlander relatively affordable to insure compared to national averages.
What company has the cheapest car insurance for a Toyota Highlander?
GEICO provides the most affordable auto insurance for Toyota Highlander owners at $731 annually for minimum coverage. The company also delivers the best value for full coverage policies at $1,587 per year.
Are Toyota Highlanders expensive to insure?
No, Toyota Highlander insurance is not more expensive than most vehicles. Among SUVs, this model places 94th out of 256 for affordability, while ranking 381st out of 827 total vehicles we track.
What factors affect insurance costs for Toyota Highlanders?
Multiple factors influence Toyota Highlander insurance premiums. The vehicle's excellent safety ratings help lower costs, while moderate theft rates and higher repair expenses from specialized parts affect pricing. Your personal driving record, credit score and chosen coverage levels influence your final premium rates.
How can I lower Toyota Highlander insurance costs?
Compare quotes from multiple insurers since Toyota Highlander pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and keep your driving record clean to secure better rates.
How We Determined Toyota Highlander Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Highlander insurance costs.
Who We Based These Rates On
These Toyota Highlander rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.