Estimates, not quotes

Nissan Murano vs Toyota Highlander Insurance Cost

The Toyota Highlander is cheaper to insure by about $55 a year for full coverage by our estimate ($1,465 vs. $1,410), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageNissan MuranoToyota HighlanderDifference
State minimum$565$560+$5
Standard (100/300/100)$820$810+$10
Full coverage$1,465$1,410+$55

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Murano minus Highlander.

Why one costs more to insure

FactorNissan MuranoToyota Highlander
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, HybridGasoline, Hybrid
HLDI collision (100 = avg)9088
HLDI comprehensive9088
HLDI property damage liability8487
HLDI bodily injury liability10194
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)27

Collision losses are the biggest swing factor: the Nissan Murano has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Murano vs Highlander insurance by state

StateMuranoHighlanderDifference
Alabama$1,275$1,225+$50
Alaska$1,280$1,235+$45
Arizona$1,535$1,480+$55
Arkansas$1,290$1,240+$50
California$1,430$1,375+$55
Colorado$1,670$1,605+$65
Connecticut$1,550$1,500+$50
Delaware$1,630$1,580+$50
District of Columbia$1,840$1,775+$65
Florida$2,085$2,025+$60
Georgia$1,805$1,750+$55
Hawaii$1,005$970+$35
Idaho$995$960+$35
Illinois$1,270$1,220+$50
Indiana$1,040$1,000+$40
Iowa$1,000$960+$40
Kansas$1,175$1,130+$45
Kentucky$1,230$1,190+$40
Louisiana$2,025$1,955+$70
Maine$930$895+$35
Maryland$1,640$1,585+$55
Massachusetts$1,435$1,385+$50
Michigan$1,590$1,535+$55
Minnesota$1,225$1,180+$45
Mississippi$1,400$1,350+$50
Missouri$1,330$1,280+$50
Montana$1,175$1,130+$45
Nebraska$1,180$1,130+$50
Nevada$1,670$1,625+$45
New Hampshire$1,040$1,000+$40
New Jersey$1,755$1,705+$50
New Mexico$1,315$1,265+$50
New York$1,955$1,895+$60
North Carolina$1,090$1,050+$40
North Dakota$945$905+$40
Ohio$1,045$1,005+$40
Oklahoma$1,325$1,270+$55
Oregon$1,310$1,270+$40
Pennsylvania$1,275$1,230+$45
Rhode Island$1,760$1,705+$55
South Carolina$1,565$1,515+$50
South Dakota$1,130$1,080+$50
Tennessee$1,215$1,170+$45
Texas$1,740$1,675+$65
Utah$1,325$1,285+$40
Vermont$950$915+$35
Virginia$1,255$1,215+$40
Washington$1,270$1,230+$40
West Virginia$1,225$1,180+$45
Wisconsin$1,005$965+$40
Wyoming$1,155$1,105+$50

By driver profile (full coverage)

DriverMuranoHighlander
Teen driver (18, own policy)$4,020$3,880
Young adult (22)$2,340$2,260
Adult in their 30s$1,465$1,410
Adult in their 50s$1,345$1,300
Senior (72)$1,640$1,580
30s, one at-fault accident$2,120$2,045
30s, DUI on record$2,705$2,610

More comparisons

Frequently asked questions

Is the Nissan Murano or the Toyota Highlander cheaper to insure?

By our estimate the Toyota Highlander is cheaper, by about $55 a year for full coverage ($1,465 vs. $1,410) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Murano and Toyota Highlander?

Mostly because of insurance-loss history: HLDI collision indices of 90 vs. 88 and comprehensive indices of 90 vs. 88 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page