Toyota Highlander Car Insurance Cost
If you’re looking to insure a Toyota Highlander, the average cost is approximately $911 per year with New York Central Mutual Fire. However, the actual cost can vary based on factors like age, the model year of the car, and other considerations. Check out our quote tables below to get personalized estimates.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Toyota Highlander, you’ll need to factor in the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s important to understand the implications before making your purchase.
Choosing the right insurance policy is essential to avoid unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of an accident to avoid being burdened with hefty out-of-pocket costs. Additionally, being at fault in accidents can lead to increases in premiums over time.
Having analyzed car insurance rates for over a decade, I’ve observed the significant variability in costs. Factors such as age, driving history, and location can all have a considerable impact on insurance premiums.
How Much Does Toyota Highlander Car Insurance Cost?
Typically, New York Central Mutual Fire provides the most competitive price, averaging $911 annually for full coverage insurance on a 2024 Toyota Highlander.
While New York Central Mutual Fire’s pricing serves as a good reference point, it’s vital to recognize that car insurance expenses can fluctuate significantly based on several factors. These factors encompass your geographical location, driving record, the model year of your vehicle, and the specific coverage options you select. A clean driving history often translates to lower premiums, whereas past accidents or traffic infractions may lead to higher costs.
Furthermore, residing in urban regions with heavy traffic may result in elevated insurance rates compared to rural areas with less congestion. Your choice of coverage also plays a role in determining your premium. For instance, comprehensive coverage, which includes protection against a wide range of incidents and collision coverage, tends to be more expensive than basic liability coverage.
Insuranceopedia serves as a valuable resource for helping you navigate through various insurance options, allowing you to compare quotes from different insurance providers to ensure that you secure the most suitable and cost-effective coverage for your needs.
2024 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $1,169 |
| 21st Century | $1,401 |
| Erie | $1,339 |
| Mercury | $1,265 |
| New York Central Mutual Fire | $911 |
| USAA | $1,208 |
| Capital Insurance Group | $1,073 |
| GMAC Insurance Group | $1,384 |
| Unitrin | $1,416 |
| California Capital | $1,299 |
2023 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $596 |
| Norfolk and Dedham Group | $1,088 |
| Safety Group | $1,015 |
| PEMCO | $941 |
| Victoria | $345 |
| Texas Farm Bureau Group | $782 |
| Safeco | $519 |
| Kemper Auto | Infinity | $973 |
| Virginia Farm Bureau | $1,029 |
| ALFA | $892 |
2022 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $593 |
| North Carolina Farm Bureau | $953 |
| Buckeye Insurance Group | $886 |
| Rural Mutual Insurance | $819 |
| Mercury Insurance | $539 |
| MMG Insurance Company | $760 |
| American National P | $546 |
| Concord Group | $872 |
| PEMCO | $951 |
| Pekin Insurance | $824 |
2021 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Victoria | $820 |
| Wolverine Mutual | $953 |
| Mercury Insurance | $898 |
| Buckeye Insurance Group | $847 |
| American National P | $486 |
| PEMCO | $808 |
| Safeco | $625 |
| NatGen Value | $942 |
| Utica National Ins Group | $983 |
| Pekin Insurance | $858 |
2020 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $631 |
| SECURA Insurance | $943 |
| Pekin Insurance | $926 |
| Safeco | $822 |
| American National P | $502 |
| Rural Mutual Insurance | $684 |
| Clearcover | $611 |
| MO Farm Bureau Services | $954 |
| Texas Farm Bureau Group | $950 |
| PEMCO | $852 |
2019 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $509 |
| Pekin Insurance | $1,007 |
| National General RAD | $856 |
| Mercury Insurance | $605 |
| Safeco | $434 |
| NatGen Value | $539 |
| American National P | $460 |
| PEMCO | $938 |
| Kemper Personal Insurance | $952 |
| AssuranceAmerica Mobile Max | $609 |
2018 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $480 |
| NatGen PPA | $844 |
| Mercury Insurance | $793 |
| Dairyland Broadform | $777 |
| Safeco | $367 |
| NatGen Advantage | $516 |
| NatGen Custom 360 | $359 |
| Dairyland FR Bond | $846 |
| Titan | $870 |
| American National P | $770 |
2017 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $418 |
| Kemper Premium | $967 |
| PEMCO | $847 |
| MMG Insurance Company | $717 |
| Safeco | $347 |
| AssuranceAmerica Mobile Max | $743 |
| Kemper Auto | $389 |
| Concord Group | $898 |
| American National P | $939 |
| Buckeye Insurance Group | $712 |
2016 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $510 |
| Unigard | $849 |
| NatGen Custom 360 | $758 |
| PEMCO | $616 |
| Mercury Insurance | $379 |
| North Carolina Farm Bureau | $544 |
| American National P | $465 |
| Mississippi Farm Bureau | $806 |
| Capital Insurance Group | $778 |
| Safeco | $594 |
2015 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $465 |
| North Carolina Farm Bureau | $937 |
| Texas Farm Bureau Group | $751 |
| PEMCO | $650 |
| Mercury Insurance | $291 |
| Safeco | $578 |
| American National P | $413 |
| MO Farm Bureau Services | $778 |
| SECURA Insurance | $861 |
| Pekin Insurance | $632 |
2014 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $452 |
| National General Value | $804 |
| North Carolina Farm Bureau | $695 |
| Ohio Mutual Ins Group | $607 |
| Safeco | $242 |
| American National P | $465 |
| NatGen Custom 360 | $377 |
| SECURA Insurance | $690 |
| Texas Farm Bureau Group | $702 |
| PEMCO | $653 |
2013 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safety Group | $706 |
| Virginia Farm Bureau | $890 |
| AssuranceAmerica | $801 |
| American National P | $727 |
| Safeco | $450 |
| North Carolina Farm Bureau | $742 |
| Mercury Insurance | $651 |
| Norfolk and Dedham Group | $894 |
| MO Farm Bureau Services | $875 |
| SECURA Insurance | $771 |
2012 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $469 |
| Patriot Group | $727 |
| North Carolina Farm Bureau | $604 |
| National General RAD | $523 |
| Safeco | $117 |
| Concord Group | $524 |
| Mercury Insurance | $219 |
| Buckeye Insurance Group | $622 |
| Partners Mutual Insurance Co | $636 |
| MMG Insurance Company | $581 |
2011 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $496 |
| Southern Farm Bureau | $877 |
| Western Reserve | $632 |
| Wolverine Mutual | $537 |
| Buckeye Insurance Group | $377 |
| Dairyland FR Bond | $509 |
| American National P | $425 |
| SECURA Insurance | $650 |
| Utica National Ins Group | $781 |
| Ohio Mutual Ins Group | $565 |
2010 Toyota Highlander Insurance Rates
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $411 |
| Norfolk and Dedham Group | $669 |
| American National P | $607 |
| MMG Insurance Company | $450 |
| Safeco | $166 |
| Buckeye Insurance Group | $464 |
| Infinity Special | $324 |
| Utica National Ins Group | $628 |
| Plymouth Rock Assurance | $615 |
| Mercury Insurance | $566 |
Find Affordable Toyota Highlander Car Insurance
Cost of Toyota Highlander Car Insurance By Age
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,828 | $11,489 | $13,453 |
| 18 | $7,305 | $10,705 | $12,506 |
| 19 | $6,433 | $9,430 | $11,051 |
| 20 | $5,615 | $8,202 | $9,625 |
| 21 | $4,661 | $6,904 | $8,040 |
| 22 | $4,575 | $6,732 | $7,851 |
| 23 | $4,047 | $5,902 | $6,886 |
| 24 | $3,807 | $5,581 | $6,561 |
| 25 | $3,332 | $4,804 | $5,641 |
| 30 | $2,578 | $3,767 | $4,363 |
| 35 | $2,369 | $3,500 | $4,126 |
| 40 | $2,270 | $3,416 | $3,938 |
| 45 | $2,224 | $3,297 | $3,852 |
| 55 | $2,010 | $3,023 | $3,534 |
| 65 | $2,098 | $3,152 | $3,713 |
| 75 | $2,664 | $3,990 | $4,612 |
Toyota Highlander Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,425 | $3,571 | $4,516 |
| Alaska | $2,035 | $2,799 | $2,752 |
| Arizona | $2,284 | $3,289 | $4,853 |
| Arkansas | $2,502 | $3,954 | $4,342 |
| California | $2,810 | $4,938 | $2,780 |
| Colorado | $2,625 | $3,658 | $4,631 |
| Connecticut | $3,332 | $5,153 | $6,528 |
| Delaware | $2,765 | $3,669 | $4,739 |
| Florida | $3,285 | $4,520 | $5,901 |
| Hawaii | $1,041 | $1,476 | $1,029 |
| Idaho | $1,817 | $2,458 | $2,987 |
| Illinois | $1,953 | $2,933 | $3,308 |
| Indiana | $1,986 | $3,085 | $3,441 |
| Iowa | $1,581 | $2,177 | $2,557 |
| Kansas | $2,118 | $3,058 | $3,553 |
| Kentucky | $3,034 | $4,477 | $5,279 |
| Louisiana | $3,930 | $5,897 | $6,372 |
| Maine | $1,471 | $2,023 | $3,008 |
| Maryland | $2,415 | $3,506 | $3,851 |
| Massachusetts | $1,905 | $3,338 | $1,927 |
| Michigan | $4,594 | $7,039 | $11,092 |
| Minnesota | $1,881 | $2,538 | $3,573 |
| Mississippi | $2,293 | $3,267 | $3,304 |
| Missouri | $2,157 | $3,095 | $4,053 |
| Montana | $2,196 | $3,053 | $3,555 |
| Nebraska | $1,832 | $2,749 | $2,986 |
| Nevada | $3,063 | $4,548 | $4,798 |
| New Hampshire | $2,129 | $3,396 | $4,232 |
| New Jersey | $2,349 | $3,715 | $4,852 |
| New Mexico | $2,427 | $3,570 | $3,688 |
| New York | $2,233 | $2,782 | $4,689 |
| North Carolina | $1,384 | $2,362 | $1,705 |
| North Dakota | $1,908 | $2,823 | $3,390 |
| Ohio | $1,657 | $2,612 | $2,659 |
| Oklahoma | $2,648 | $3,840 | $4,290 |
| Oregon | $2,424 | $3,249 | $3,909 |
| Pennsylvania | $2,083 | $2,999 | $3,516 |
| Rhode Island | $3,452 | $5,044 | $5,645 |
| South Carolina | $2,351 | $3,232 | $4,446 |
| South Dakota | $2,072 | $3,000 | $3,506 |
| Tennessee | $2,442 | $3,608 | $4,799 |
| Texas | $2,477 | $3,597 | $4,462 |
| Utah | $2,099 | $2,969 | $4,061 |
| Vermont | $1,654 | $2,473 | $2,633 |
| Virginia | $1,521 | $2,376 | $2,306 |
| Washington | $2,005 | $2,754 | $3,324 |
| West Virginia | $2,049 | $2,890 | $3,606 |
| Wisconsin | $2,044 | $3,162 | $3,643 |
| Wyoming | $1,908 | $2,688 | $2,851 |
| Georgia | $2,634 | $3,966 | $4,041 |
Compare Toyota Highlander To Other Toyota Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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