The annual cost of full coverage insurance for a Toyota Highlander ranges from $992 to $5,631. Rates vary widely based on the car's production year, driver age, locatiob, driving history, coverage level and insurer. MoneyGeek breaks down Highlander insurance costs and coverage, offering insights into the best and cheapest insurers.
Toyota Highlander Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Toyota Highlander model years, starting at $463 annually.
The average annual Toyota Highlander insurance cost is $608 for minimum coverage and $1,292 for full coverage.
MoneyGeek analyzed data and 4,183 Toyota Highlander insurance quotes, ensuring comprehensive insights.
Toyota Highlander Insurance Rates
What Is the Average Toyota Highlander Car Insurance Cost?
Toyota Highlander insurance costs about $108 per month or $1,292 per year for full coverage, based on a 40-year-old male driver with a clean record. Minimum coverage averages $51 monthly or $608 annually.
| Minimum Coverage | $608 |
| Full Coverage | $1,292 |
Read more: Average Cost of Car Insurance
Toyota Highlander Insurance Costs by Company
Toyota Highlander insurance costs range from $1,019 to $1,910 annually, varying by age, model year and coverage level. Below is a table comparing Toyota Highlander insurance rates with averages for all vehicles from various national and midsize providers.
| Allstate | $1,438 | $1,814 | -21% |
| Auto-Owners | $1,073 | $1,228 | -13% |
| Farmers | $1,639 | $1,957 | -16% |
| GEICO | $1,125 | $1,334 | -16% |
| Kemper | $1,910 | $2,213 | -14% |
| Nationwide | $1,300 | $1,590 | -18% |
| Progressive | $1,450 | $1,745 | -17% |
| State Farm | $1,078 | $1,270 | -15% |
| Travelers | $1,288 | $1,523 | -15% |
| USAA | $1,019 | $1,201 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Toyota Highlander by Model Year
Your Toyota Highlander's production year affects insurance rates, with older models generally costing less. For example, a 2022 model averages $1,467 for full coverage, while a 2009 model costs $1,144. Below, find the average full and minimum coverage rates for each model year.
| 2022 | $604 | $1,467 |
| 2021 | $607 | $1,449 |
| 2020 | $593 | $1,422 |
| 2019 | $626 | $1,400 |
| 2018 | $634 | $1,372 |
| 2017 | $613 | $1,349 |
| 2016 | $640 | $1,325 |
| 2015 | $642 | $1,302 |
| 2014 | $612 | $1,265 |
| 2013 | $630 | $1,227 |
| 2012 | $623 | $1,190 |
| 2011 | $601 | $1,175 |
| 2010 | $627 | $1,159 |
| 2009 | $628 | $1,144 |
Toyota Highlander Insurance Costs by Driver Age
Toyota Highlander insurance rates vary widely by age. A 40-year-old pays about $1,303 annually for full coverage, while a 16-year-old pays up to $5,631. Below are the average minimum and full coverage rates for different ages.
| 16 | $2,840 | $5,631 |
| 17 | $2,303 | $4,580 |
| 18 | $2,008 | $4,029 |
| 19 | $1,420 | $2,868 |
| 20 | $1,276 | $2,608 |
| 21 | $1,012 | $2,105 |
| 22 | $923 | $1,935 |
| 23 | $857 | $1,807 |
| 24 | $813 | $1,720 |
| 25 | $723 | $1,538 |
| 26 | $705 | $1,495 |
| 27 | $688 | $1,462 |
| 28 | $677 | $1,440 |
| 29 | $667 | $1,420 |
| 30 | $644 | $1,370 |
| 35 | $627 | $1,327 |
| 40 | $620 | $1,303 |
| 45 | $615 | $1,287 |
| 50 | $600 | $1,248 |
| 55 | $585 | $1,214 |
| 60 | $585 | $1,210 |
| 65 | $623 | $1,264 |
| 70 | $676 | $1,353 |
| 75 | $750 | $1,482 |
| 80 | $850 | $1,649 |
| 85 | $919 | $1,770 |
| 90 | $969 | $1,853 |
Toyota Highlander Insurance Rates Explained
Several factors affect car insurance rates based on driver profile. Insurers also consider vehicle-related factors. Below, we break down how your car impacts insurance costs.
Toyota Highlander Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Toyota Highlander
Average Full Coverage Rate
$1,292Premiums for Toyota Highlander are average:$4 saved
This is 0% less expensive.
Value
The Toyota Highlander has an MSRP of $51,175, classifying it as an SUV. A higher MSRP can lead to higher insurance premiums.
Repair costs
The Toyota Highlander’s annual repair cost is $489, below the national average. Lower repair costs can result in lower insurance rates.
Performance
The Toyota Highlander has 265 horsepower and a 0-to-60 time of 7.2 seconds, which doesn't classify it as a high-performance vehicle. Its moderate performance likely doesn’t affect insurance costs.
Vehicle age
Newer Toyota Highlanders are typically more expensive to insure than older models.
Safety features
The Toyota Highlander’s safety features, including stability control, airbags and antilock brakes, may qualify for insurance discounts. Its 5-star NHTSA safety rating further reduces risk, potentially lowering premiums.
Vehicle size
Larger vehicles like the Toyota Highlander, with a curb weight of 4,453 lbs, may cost more to insure.
Trim level
Higher trim levels with premium upgrades raise the Toyota Highlander’s MSRP, making them cost more to insure than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. The Toyota Highlander’s moderate theft claim frequency of 31 may slightly raise insurance costs.
Cheapest Toyota Highlander Insurance
State Farm offers the lowest annual minimum coverage rate for a Toyota Highlander at $463, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance by coverage level, age group, driving record and model year.
Cheapest Toyota Highlander Insurance by Coverage Level
Your coverage level significantly affects your Toyota Highlander insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Toyota Highlander Minimum Coverage
State Farm offers the cheapest minimum coverage for a Toyota Highlander at $39 per month. GEICO, Travelers and Nationwide follow at $44, $49 and $53, respectively.
| USAA | $36 | $434 |
| State Farm | $39 | $463 |
| GEICO | $44 | $523 |
| Travelers | $49 | $585 |
| Nationwide | $53 | $634 |
| Progressive | $56 | $667 |
| Allstate | $56 | $675 |
| Farmers | $62 | $743 |
*State Farm offers non-military-affiliated Toyota Highlander owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Toyota Highlander Insurance Rates by Model Year
The above list doesn't account for the production year, which means lower rates might be available based on your vehicle's age. Use the table below to find the cheapest minimum coverage rates for every Toyota Highlander model year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $677 | $56 |
| Farmers | $778 | $65 |
| GEICO | $550 | $46 |
| Nationwide | $635 | $53 |
| Progressive | $671 | $56 |
| State Farm | $450 | $38 |
| Travelers | $621 | $52 |
| USAA | $445 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Toyota Highlander Insurance
State Farm offers the cheapest full coverage insurance for a Toyota Highlander at $1,047 annually or $87 monthly. See the complete list of full coverage providers and rates below.
| USAA | $83 | $992 |
| State Farm | $87 | $1,047 |
| GEICO | $92 | $1,103 |
| Nationwide | $103 | $1,232 |
| Travelers | $106 | $1,274 |
| Allstate | $115 | $1,384 |
| Progressive | $116 | $1,393 |
| Farmers | $129 | $1,547 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Toyota Highlander owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Toyota Highlander Insurance by Age
Younger drivers aged 16 to 25 and seniors 55+ often face higher Toyota Highlander insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest Toyota Highlander Insurance for Young Drivers
State Farm offers the most affordable auto insurance rates for Toyota Highlander drivers, starting at $84 monthly or $1,008 annually for minimum coverage. Below is the complete list of affordable rates for Toyota Highlander drivers aged 16 to 25.
| USAA | $75 | $901 |
| State Farm | $84 | $1,008 |
| Travelers | $102 | $1,229 |
| GEICO | $105 | $1,257 |
| Allstate | $131 | $1,571 |
| Nationwide | $138 | $1,654 |
| Progressive | $155 | $1,857 |
| Farmers | $166 | $1,995 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Toyota Highlander Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $42 monthly or $508 annually. Check the full list of affordable Toyota Highlander insurers below.
| State Farm | $42 | $508 |
| USAA | $48 | $577 |
| GEICO | $52 | $626 |
| Travelers | $59 | $707 |
| Nationwide | $62 | $742 |
| Allstate | $69 | $827 |
| Progressive | $71 | $848 |
| Farmers | $82 | $988 |
Cheapest Toyota Highlander Insurance After an Accident
State Farm, GEICO and Travelers offer Toyota Highlander drivers the cheapest car insurance after an accident. For more options, see the complete list below.
| State Farm | $48 | $580 |
| USAA | $55 | $661 |
| GEICO | $69 | $825 |
| Travelers | $70 | $836 |
| Allstate | $77 | $921 |
| Nationwide | $81 | $970 |
| Progressive | $91 | $1,088 |
| Farmers | $120 | $1,445 |
Toyota Highlander Insurance Cost: Bottom Line
Make it a habit to compare car insurance rates from different providers to find the best deal. This article explores Toyota Highlander insurance, covering costs across various demographics and highlighting the most affordable providers.
Toyota Highlander Insurance Rates: FAQ
Below are answers to common questions about Toyota Highlander insurance costs, helping you understand what to expect for coverage and expenses.
What company has the cheapest car insurance for a Toyota Highlander?
State Farm offers the cheapest insurance for a Toyota Highlander, with an annual minimum coverage rate of $463.
What is the average cost of car insurance for a Toyota Highlander?
The average annual cost of minimum coverage insurance for a Toyota Highlander is $608, while full coverage averages $1,292.
Toyota Highlander Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Toyota Highlander insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Toyota Highlander:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Toyota Highlander insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Toyota Highlander.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.