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: October 1, 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 available trims directly impact insurance rates. Newer models cost more to insure because of their higher fair 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 |
Compare Personalized Toyota Highlander Insurance Costs
We broke down Toyota Highlander insurance costs by model year and trim to personalize rates.
Data filtered by:Results filtered by:
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Model Year:2001
Select
Trim:Sport Utility 4d
| Sport Utility 4d | $67 | $129 |
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.
| 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 |
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 driving profile, especially age and driving record, heavily influences Toyota Highlander insurance costs. Monthly rates reach $337 for young drivers under 25 with clean records, while adult drivers aged 26 to 64 without violations pay around $133 monthly for the same coverage.
| 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?
Compared to the rest of the models on the U.S. market, a Toyota Highlander ranks 381st out of 827, making it an average model to insure. Among midsize crossover SUVs, the model 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 key factors affect what you'll pay for Toyota Highlander insurance:
- Age (57 years average): Family-focused buyers in their peak earning years receive 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 correlate with 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 helps keep 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 may 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 receives favorable insurance rates due to established driving records and financial stability.
Driver demographics affecting Highlander rates:
Cheapest Toyota Highlander Insurance Companies
GEICO offers the cheapest Highlander insurance rates with full coverage at $132 monthly. For drivers who only need minimum coverage on their Highlander, GEICO also provides the most affordable option at $61 per month.
| GEICO | $61 | $132 |
| Travelers | $78 | $144 |
| Progressive | $87 | $162 |
| State Farm | $84 | $175 |
| Nationwide | $98 | $170 |
Cheapest Toyota Highlander Insurance by State
We found the top three cheapest car insurance providers for a Toyota Highlander:
- GEICO: Offers the most affordable rates in 18 states
- Travelers: Provides the cheapest coverage in nine states
- State Farm: Wins for affordability in four states
You can filter below to see which company offers the most affordable auto insurance rates for your Toyota Highlander.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $44 |
How to Get the Best Cheap Toyota Highlander Insurance
Below we explore Toyota Highlander insurance discounts and smart strategies for affordable coverage:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Toyota's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. After this, you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Toyota Highlander, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for helps you get the cheapest rate possible. The five discounts below are the most likely we found that Toyota Highlander owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): Toyota buyers' middle to upper-middle-class status and established family demographics make homeownership common. Highlander owners can bundle auto and home insurance for substantial savings from major carriers.
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): With most Highlander owners being males in their late 50s or early 60s with annual income of $121,154, many families have multiple vehicles in their household. This established demographic often qualifies for multi-car discounts from virtually all insurers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Highlander buyers prioritize reliability and safety, with mature drivers (45 to 64 age range) typically maintaining clean driving records. These practical, family-focused owners qualify for good driver discounts due to their responsible driving habits.
- Safety Features/Advanced Safety Discount (5% to 40% savings): IIHS gave the 2024 Highlander its Top Safety Pick award, and Toyota Safety Sense 2.5+ comes standard with features like automatic emergency braking and pedestrian detection. These built-in technologies help you avoid crashes, and many insurance companies will reduce your premiums.
- Professional/Occupational Discount (5% to 15% savings): Many Highlander owners are well-educated professionals, with a proportion holding bachelor's degrees or higher. Middle-aged, established professionals in fields like education, healthcare, and technology often qualify for occupational discounts that can save hundreds annually.
- 5
Consider alternative car insurance types
Toyota Highlander owners should consider Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Toyota Highlander insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Toyota Highlander Insurance Cost: Bottom Line
Costs for insuring a Toyota Highlander are average compared to other cars. Shop multiple companies, look into 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. For drivers who only need minimum coverage on their Highlander, GEICO also provides the most affordable 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 as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Highlander Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to get you the most accurate Toyota Highlander insurance costs.
Who We Based These Rates On
These Toyota Highlander prices reflect what a typical 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. 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.