Toyota Highlander insurance costs average $90 monthly for minimum coverage and $175 per month for full coverage. Depending on your particular trim and model year, costs can range from $62 for a 2007 Toyota Highlander to $241 for a 2025 Toyota Highlander monthly.
Toyota Highlander Insurance Cost
Updated: November 15, 2025
Key Takeaways
Toyota Highlander insurance costs range from $89 to $241 monthly depending on your chosen trim level and model year.
The Toyota Highlander ranks 381st out of 827 vehicle models for insurance affordability in the US auto market.
GEICO offers the most affordable full coverage for Toyota Highlander owners at $132 monthly, while minimum coverage starts at $61 per month.
How Much Is Toyota Highlander Insurance?
| Toyota Highlander | $90 | $175 |
Toyota Highlander Insurance Cost by Model Year
Your Toyota Highlander's model year and trim impact insurance rates. Newer models cost more to insure because of their higher value. Monthly premiums for Toyota Highlanders range from $69 for older models to $219 for the newest versions.
| 2025 | $113 | $219 |
| 2024 | $104 | $201 |
| 2023 | $96 | $186 |
| 2022 | $89 | $173 |
| 2021 | $82 | $160 |
| 2020 | $74 | $143 |
| 2019 | $94 | $182 |
| 2018 | $90 | $175 |
| 2017 | $89 | $171 |
| 2016 | $100 | $194 |
| 2015 | $101 | $195 |
| 2014 | $94 | $181 |
| 2013 | $76 | $146 |
| 2012 | $88 | $171 |
| 2011 | $95 | $184 |
| 2010 | $93 | $180 |
| 2009 | $82 | $159 |
| 2008 | $86 | $166 |
| 2007 | $76 | $147 |
| 2006 | $74 | $142 |
| 2005 | $85 | $162 |
| 2004 | $95 | $182 |
| 2003 | $86 | $164 |
| 2002 | $77 | $147 |
| 2001 | $69 | $132 |
Toyota Highlander Insurance Cost by Trim
Your Toyota Highlander's trim level impacts insurance costs. Premium trims with advanced features and higher market values cost more to insure than basic models. Monthly rates for Highlander coverage range from $72 for entry-level trims to $238 for top-tier editions like the Limited 25th Anniversary.
| 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 |
Toyota Highlander Insurance Cost by Company
Toyota Highlander insurance costs vary by provider from $97 to $226 monthly. Minimum coverage ranges from $61 to $150, while full coverage costs $132 to $322. Rates vary due to different risk assessment models.
| GEICO | $61 | $132 |
| Travelers | $78 | $144 |
| State Farm | $84 | $175 |
| Progressive | $87 | $162 |
| Kemper | $94 | $190 |
| Nationwide | $98 | $170 |
| The Hartford | $99 | $169 |
| AAA | $104 | $217 |
| Amica | $114 | $233 |
| Allstate | $114 | $221 |
| Chubb | $119 | $238 |
| AIG | $130 | $322 |
| Farmers | $140 | $247 |
| UAIC | $150 | $188 |
Toyota Highlander Insurance Cost by State
Toyota Highlander insurance costs vary by state, ranging from $33 monthly in Wyoming to $372 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your age and driving record control Toyota Highlander insurance costs. Drivers under 25 with clean records pay up to $337 monthly, while drivers ages 26 to 64 with no violations pay around $133 monthly.
| Adult Drivers | $90 | $175 |
| Young Drivers | $231 | $443 |
| Senior Drivers | $121 | $221 |
| Drivers With a Speeding Ticket | $113 | $220 |
| Drivers With an Accident | $133 | $257 |
| Drivers With a DUI | $167 | $319 |
| Drivers With Bad Credit | $216 | $434 |
Is a Toyota Highlander Expensive to Insure?
The Toyota Highlander ranks 381st out of 827 U.S. vehicle models for insurance costs, putting it squarely average. Among midsize crossover SUVs, it ranks 12th out of 21.
| Suzuki XL-7 | $68 | $130 |
| Pontiac Torrent | $72 | $139 |
| Jeep Commander | $74 | $141 |
| Pontiac Aztek | $73 | $141 |
| Mazda CX-7 | $73 | $141 |
| Dodge Journey | $73 | $141 |
| Nissan Murano | $78 | $151 |
| Volkswagen Tourareg | $83 | $160 |
| Subaru Tribeca | $85 | $163 |
| Hyundai Santa Fe | $88 | $170 |
| Chevrolet Blazer | $89 | $172 |
| Toyota Highlander | $90 | $175 |
| Toyota Venza | $92 | $179 |
| Mazda CX-9 | $93 | $179 |
| Subaru Ascent | $94 | $182 |
| Mitsubishi Endeavor | $96 | $185 |
| Kia EV9 | $100 | $195 |
| Honda Prologue | $100 | $196 |
| Vinfast VF-8 | $107 | $209 |
| Kia Telluride | $108 | $210 |
| Hyundai Ioniq 9 | $109 | $214 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect your Toyota Highlander insurance costs:
- Age (57 years average): Family-focused buyers in their peak earning years get lower rates than younger demographics seeking performance vehicles.
- Gender (Mixed ownership): Nearly balanced male/female ownership reflects the practical family vehicle appeal rather than performance-oriented demographics.
- Income ($121,154 average): Higher household incomes support comprehensive coverage and link to safer driving behaviors and better credit scores.
Average Repair or Replacement Costs
Toyota ranks first in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota Highlander repair costs average $827 annually, making it a more expensive Toyota to repair.
Vehicle Trim, Features and Accessories
The Toyota Highlander offers five trim levels (LE, XLE, XSE, Limited, Platinum) all powered by the same 265-horsepower 2.4-liter turbocharged four-cylinder engine. This consistent powertrain across trims keeps insurance rates stable compared to vehicles with high-performance variants.
Higher trim levels like Limited and Platinum feature advanced safety technology including surround-view cameras, adaptive cruise control and Toyota Safety Sense 2.5+ that qualify for insurance discounts. The moderate performance profile (0 to 60 mph in 7.2 seconds) doesn't classify as high-risk for insurers.
Fuel Type
Toyota Highlander runs on regular gasoline with EPA ratings of 21 city/28 highway/24 combined MPG, making it fuel-efficient for a three-row SUV. The traditional gasoline powertrain means widespread repair shop availability and lower maintenance complexity.
Location
Toyota Highlander owners are distributed nationwide but concentrated in suburban family markets across diverse geographic regions. Location affects rates through state regulations, weather risks and local accident statistics.
Driver Profile
Most Toyota Highlander drivers are middle-aged family buyers (45 to 64 years) with household incomes of $121,154, higher than the typical midsize SUV buyer ($116,933). This demographic gets favorable insurance rates due to established driving records and financial stability.
Driver demographics affecting Highlander rates:
How to Lower the Cost of Toyota Highlander Insurance
Below we explore Toyota Highlander insurance discounts and smart strategies for affordable coverage:
- 1Choose the right coverage
How much coverage you need for your Toyota depends on what it’s worth, how often you drive and how much room you have in your budget. You can stick with state minimum liability and a $1,000 deductible or step up to 100/300/100 with a $500 deductible, and lenders require gap insurance if the vehicle is financed or leased.
- 2Research costs and cheap companies
Research average auto insurance costs for your car to understand how much you're saving with your current provider versus another. Then look for the cheapest car insurance companies.
- 3Look for more than just low rates
Get balanced car insurance for your Toyota Highlander by checking forum reviews, J.D. Power satisfaction scores, Better Business Bureau complaints and AM Best financial ratings alongside coverage limits and deductibles.
- 4Explore discounts you qualify for
Toyota Highlander owners can bring their insurance costs down by using discounts tied to bundled policies, multiple vehicles, clean driving records, strong factory safety tech and qualifying professions. Since many Highlander drivers are established homeowners with reliable driving habits and advanced safety features, these savings tend to stack quickly and make premiums more manageable.
- 5Consider alternative car insurance types
Try Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance and programs like GEICO DriveEasy that discount safe driving habits.
- 6Check rates every year
Shopping car insurance quotes yearly cuts your Toyota Highlander insurance by up to 24%. This year's best price disappears by next year, so compare again every 12 months.
Toyota Highlander Insurance Cost: Bottom Line
Insuring a Toyota Highlander costs around average compared to other cars. Shop multiple companies, explore discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Highlander Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Highlander.
What is the average cost of car insurance for a Toyota Highlander?
The Toyota Highlander's average annual insurance cost is $1,086 for state minimum and $2,103 for full coverage.
What company has the cheapest car insurance for a Toyota Highlander?
GEICO offers the cheapest Highlander insurance rates with full coverage at $132 monthly. GEICO also has the most affordable minimum coverage option at $61 per month.
Are Toyota Highlanders expensive to insure?
No, Toyota Highlander insurance costs around average compared to most cars. Out of 827 vehicles we track, the Highlander ranks 381st for affordability.
What factors affect insurance costs for Toyota Highlanders?
Several factors affect your Toyota Highlander insurance rates, including your driving record, credit score and the coverage level you choose. The Highlander's three-row SUV classification and repair costs for advanced safety systems impact premiums.
How can I lower Toyota Highlander insurance costs?
Shop around with multiple insurers since rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Use discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Highlander Insurance Costs
Toyota Highlander drivers need accurate cost data for budgeting and rate comparisons. We analyzed hundreds of millions of quote estimates across all U.S. models from 2000 to 2025 to show actual costs.
Sample driver profile: Age 40, unmarried male with a clean record (no tickets or crashes), good credit, no claims history, 12,000 annual miles and a valid license with no suspensions.
Coverage definitions: Minimum coverage uses state-required liability limits. Full coverage uses 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.