Key Takeaways
Introduced in 2001, the Toyota Highlander is a mid-size crossover SUV available in both front-wheel and all-wheel drive options. The contemporary competitors for this Toyota model in terms of performance, price, and insurance cost are the Honda Pilot, Ford Explorer, Kia Telluride, and Hyundai Palisade. Here, we look at the Toyota Highlander car insurance cost, the factors that affect the insurance price, and how to get the best insurance rates for your Toyota Highlander.
The average car insurance cost for a Toyota Highlander is $1,476. The annual rate for minimum coverage for Highlander is $536. However, the rates vary based on model year, insurance companies, and the individual profile of the driver.
The good safety ratings and the reasonable repair costs make the Toyota Highlander an affordable car model to insure. In addition, the Highlander is not a high-performance vehicle, which also makes the Toyota Highlander auto insurance cost an affordable affair. When comparing it with other models of similar specs, we see that the Toyota Highlander auto insurance rates are not very expensive when compared to models like Kia Telluride and Hyundai Palisade.
| Model | Average Annual Insurance Rate |
|---|---|
| Toyota Highlander | $1,476 |
| Honda Pilot | $1,524 |
| Ford Explorer | $1,500 |
| Kia Telluride | $2,396 |
| Hyundai Palisade | $3,047 |
Many factors, such as the age of the driver, driving history, location, the age of the car, trim level, and the safety features and ratings of the car, play an essential role in determining your car insurance rates. Therefore, you should check quotes and see all possible coverage options to choose a car insurance provider that suits you the best.
The average annual insurance rates for the Toyota Highlander vary by model year. The newer models tend to have higher insurance costs, with the 2020 Toyota Highlander having the highest average rate at $1,479. On the other hand, the cost generally decreases with the age of the vehicle, with the 2012 model year showing the lowest rate at $797.
| Model Year | Average Annual Insurance Rates |
|---|---|
| 2020 Toyota Highlander | $1,479 |
| 2019 Toyota Highlander | $1,505 |
| 2018 Toyota Highlander | $1,136 |
| 2017 Toyota Highlander | $1,010 |
| 2016 Toyota Highlander | $1,065 |
| 2015 Toyota Highlander | $957 |
| 2014 Toyota Highlander | $892 |
| 2013 Toyota Highlander | $828 |
| 2012 Toyota Highlander | $797 |
The average annual 2020 Toyota Highlander auto insurance rates for this vehicle vary significantly depending on the provider. Vermont Mutual offers the cheapest rate at $927 per year, which is the best budget-friendly choice. On the higher end, Southern Farm Bureau, Acuity, and USAA are the most expensive insurance companies with rates above $1,300 annually.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $927 |
| Nationwide | $963 |
| Country | $1,223 |
| Arbella | $1,229 |
| Tennessee Farmers | $1,242 |
| 21st Century | $1,288 |
| Erie | $1,301 |
| Mercury | $1,330 |
| Southern Farm Bureau | $1,357 |
| Acuity | $1,376 |
| USAA | $1,398 |
For the 2019 Toyota Highlander model, Cincinnati Insurance has the lowest annual rate at $882, while American Family is the most expensive at $1,351. Since there is a close to $500 difference between the cheapest and costliest, comparing quotes can really help you save.
| Insurance Companies | Average Annual Cost |
|---|---|
| Cincinnati Insurance | $882 |
| Erie | $951 |
| Auto Owners | $1,002 |
| Nationwide | $1,033 |
| Country | $1,104 |
| USAA | $1,128 |
| Arbella | $1,131 |
| Acuity | $1,223 |
| Southern Farm Bureau | $1,274 |
| Mercury | $1,305 |
| American Family | $1,351 |
While comparing the 2018 Toyota Highlander car insurance costs, Erie offers the lowest rate at $706 per year, closely followed by Progressive and USAA. On the higher side, State Farm charges the most at $1,155.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $706 |
| Progressive | $829 |
| USAA | $847 |
| Tennessee Farmers | $897 |
| Nationwide | $941 |
| Vermont Mutual | $960 |
| Acuity | $1,042 |
| Plymouth Rock Insurance | $1,083 |
| Country | $1,088 |
| Arbella | $1,136 |
| State Farm | $1,155 |
Erie has the cheapest car insurance cost for a 2017 model Toyota Highlander at $681, while Arbella is the most expensive at $1,062.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $681 |
| Texas Farm Bureau | $737 |
| Progressive | $811 |
| Tennessee Farmers | $889 |
| Vermont Mutual | $907 |
| Nationwide | $924 |
| USAA | $929 |
| Acuity | $1,019 |
| State Farm | $1,030 |
| Plymouth Rock Insurance | $1,051 |
| Arbella | $1,062 |
Texas Farm Bureau offers the lowest annual rate at $711, making it the most budget-friendly option in this list. On the other end, Southern Farm Bureau has the highest insurance rate at $1,176.
| Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $711 |
| Vermont Mutual | $750 |
| Erie | $935 |
| Nationwide | $1,028 |
| Arbella | $1,039 |
| Country | $1,053 |
| Quincy Mutual | $1,059 |
| Tennessee Farmers | $1,102 |
| USAA | $1,114 |
| Acuity | $1,141 |
| Southern Farm Bureau | $1,176 |
Rates for 2015 Toyota Highlander insurance start as low as $628 with Erie. Texas Farm Bureau closely follows, with rates under $700. On the pricier side, State Farm, Plymouth Rock Insurance, and Nationwide go slightly above $1,000.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $628 |
| Texas Farm Bureau | $696 |
| Vermont Mutual | $826 |
| Progressive | $830 |
| USAA | $837 |
| Tennessee Farmers | $858 |
| Acuity | $955 |
| Country | $1,006 |
| State Farm | $1,010 |
| Plymouth Rock Insurance | $1,012 |
| Nationwide | $1,013 |
Erie offers the lowest Toyota Highlander auto insurance cost for the 2014 model at $590. Also, USAA and Texas Farm Bureau stay well under $750. On the costlier side, Plymouth Rock Insurance can go up to $979.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $590 |
| Texas Farm Bureau | $672 |
| USAA | $750 |
| Progressive | $761 |
| Vermont Mutual | $769 |
| Tennessee Farmers | $826 |
| Acuity | $886 |
| State Farm | $911 |
| Country | $954 |
| Nationwide | $960 |
| Plymouth Rock Insurance | $979 |
For a 2013 Toyota Highlander, rates start at just $568 with Erie. USAA, Texas Farm Bureau, and Vermont Mutual are also on the lower side, all staying under $700. In the mid-range, companies like Progressive and Tennessee Farmers offer rates between $700 and $750. The highest rates go up to $884, with providers like Country.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $568 |
| Texas Farm Bureau | $634 |
| USAA | $668 |
| Vermont Mutual | $669 |
| Progressive | $712 |
| Tennessee Farmers | $741 |
| Acuity | $821 |
| Nationwide | $854 |
| State Farm | $857 |
| Arbella | $883 |
| Country | $884 |
When comparing the insurance costs for a 2012 Toyota Highlander, Erie comes first with an annual rate of just $553. Meanwhile, Arbella has the most expensive premium, starting from $865.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $553 |
| Texas Farm Bureau | $624 |
| Vermont Mutual | $628 |
| USAA | $665 |
| Progressive | $698 |
| Tennessee Farmers | $722 |
| State Farm | $766 |
| Acuity | $775 |
| Nationwide | $819 |
| Country | $852 |
| Arbella | $865 |
Your Toyota Highlander's many safety features may help you pay less for insurance. Here are some of the safety features found in Highlander that can influence the car insurance rates.
Safety ratings are another important factor that's been looked at by insurance companies when providing Toyota Highlander car insurance quotes.
Below are the IIHS safety ratings of the Highlander:
| Test Type | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Moderate overlap front | Moderate |
| Side | Good |
| Driver head protection | Good |
| Head restraints and seats | Good |
Download the Way app or head to the Way.com website to know your Toyota Highlander insurance quotes. Way offers quotes that consider your circumstances and compares them from 140 different insurance providers. This will help you choose the best policy based on your budget and driving profile.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average car insurance cost for a Toyota Highlander $1,476 per year.
The average Toyota Highlander car insurance cost for the 2018 model is $1,238 per year.
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