Toyota Highlander Insurance Cost

Full coverage for a Toyota Highlander costs about $1,410 a year ($118/month) by our estimate — ▼ −11% versus the average vehicle, ranking 53rd cheapest of 310 current models.

Toyota Highlander exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Toyota Highlander insurance cost at a glance

Full coverage

$1,410

$118/mo · $1,160–$1,665

Minimum liability

$560

$47/mo

Segment

Midsize SUV

Gasoline, Hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Highlander.

Estimated Toyota Highlander premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$560	$47	$460–$660
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$810	$68	$665–$955
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,410	$118	$1,160–$1,665

What drives the cost of insuring a Toyota Highlander

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Highlander's results put our vehicle factor at 0.91× for liability, 0.90× for collision and 0.89× for comprehensive.

HLDI relative insurance losses — Toyota Highlander 4dr (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	88	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	88	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	87	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	94	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	127	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	105	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Toyota Highlander 4dr	88	88	87	94
Toyota Highlander 4dr 4WD	97	117	93	92
Toyota Highlander hybrid 4dr	99	96	104	113
Toyota Highlander hybrid 4dr 4WD	102	112	106	86

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 53 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Highlander trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Highlander AWD	AWD	2.4L 4-cyl Turbo	24
Highlander Hybrid AWD	AWD	2.5L 4-cyl Hybrid	35
Highlander Hybrid AWD LTD/PLAT	AWD	2.5L 4-cyl Hybrid	35

Toyota Highlander insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.4L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD	24–35	$1,410
2025	2.4L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–35	$1,385
2024	2.4L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–36	$1,355
2023	2.4L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–36	$1,325
2022	2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	23–36	$1,300
2021	2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	23–36	$1,270
2020	2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	23–36	$1,240
2019	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	22–29	$1,215
2018	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	22–29	$1,185
2017	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	22–29	$1,155
2016	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	20–28	$1,130
2015	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	20–28	$1,125
2014	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	20–28	$1,125
2013	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	19–28	$1,125
2012	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	19–28	$1,125
2011	2.7L 4-cyl, 3.5L 6-cyl, 3.5L 6-cyl Hybrid	AWD, FWD	19–28	$1,125
2010	2.7L 4-cyl, 3.3L 6-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	19–26	$1,125
2009	2.7L 4-cyl, 3.3L 6-cyl Hybrid, 3.5L 6-cyl	4WD/AWD, FWD	19–26	$1,125
2008	3.3L 6-cyl Hybrid, 3.5L 6-cyl	4WD/AWD, FWD	19–26	$1,125
2007	2.4L 4-cyl, 3.3L 6-cyl, 3.3L 6-cyl Hybrid	4WD/AWD, FWD	19–26	$1,125

Toyota Highlander insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Highlander page for that state.

State	Full coverage	Minimum	vs. national	Highlander page
Alabama	$1,225	$435	−13%	Highlander in AL
Alaska	$1,235	$570	−12%	Highlander in AK
Arizona	$1,480	$600	+5%	Highlander in AZ
Arkansas	$1,240	$410	−12%	Highlander in AR
California	$1,375	$520	−2%	Highlander in CA
Colorado	$1,605	$595	+14%	Highlander in CO
Connecticut	$1,500	$650	+6%	Highlander in CT
Delaware	$1,580	$730	+12%	Highlander in DE
District of Columbia	$1,775	$675	+26%	Highlander in DC
Florida	$2,025	$985	+44%	Highlander in FL
Georgia	$1,750	$795	+24%	Highlander in GA
Hawaii	$970	$395	−31%	Highlander in HI
Idaho	$960	$365	−32%	Highlander in ID
Illinois	$1,220	$455	−13%	Highlander in IL
Indiana	$1,000	$370	−29%	Highlander in IN
Iowa	$960	$280	−32%	Highlander in IA
Kansas	$1,130	$365	−20%	Highlander in KS
Kentucky	$1,190	$480	−16%	Highlander in KY
Louisiana	$1,955	$720	+39%	Highlander in LA
Maine	$895	$385	−37%	Highlander in ME
Maryland	$1,585	$685	+12%	Highlander in MD
Massachusetts	$1,385	$540	−2%	Highlander in MA
Michigan	$1,535	$700	+9%	Highlander in MI
Minnesota	$1,180	$430	−16%	Highlander in MN
Mississippi	$1,350	$485	−4%	Highlander in MS
Missouri	$1,280	$465	−9%	Highlander in MO
Montana	$1,130	$360	−20%	Highlander in MT
Nebraska	$1,130	$365	−20%	Highlander in NE
Nevada	$1,625	$790	+15%	Highlander in NV
New Hampshire	$1,000	$365	−29%	Highlander in NH
New Jersey	$1,705	$855	+21%	Highlander in NJ
New Mexico	$1,265	$475	−10%	Highlander in NM
New York	$1,895	$850	+34%	Highlander in NY
North Carolina	$1,050	$410	−26%	Highlander in NC
North Dakota	$905	$250	−36%	Highlander in ND
Ohio	$1,005	$370	−29%	Highlander in OH
Oklahoma	$1,270	$430	−10%	Highlander in OK
Oregon	$1,270	$570	−10%	Highlander in OR
Pennsylvania	$1,230	$390	−13%	Highlander in PA
Rhode Island	$1,705	$750	+21%	Highlander in RI
South Carolina	$1,515	$670	+7%	Highlander in SC
South Dakota	$1,080	$285	−23%	Highlander in SD
Tennessee	$1,170	$410	−17%	Highlander in TN
Texas	$1,675	$630	+19%	Highlander in TX
Utah	$1,285	$595	−9%	Highlander in UT
Vermont	$915	$290	−35%	Highlander in VT
Virginia	$1,215	$570	−14%	Highlander in VA
Washington	$1,230	$540	−13%	Highlander in WA
West Virginia	$1,180	$395	−16%	Highlander in WV
Wisconsin	$965	$340	−32%	Highlander in WI
Wyoming	$1,105	$295	−22%	Highlander in WY

Toyota Highlander insurance by driver profile

Estimated annual Toyota Highlander premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,540	$2,230	$3,880	$323
Young adult (22)	$895	$1,300	$2,260	$188
Adult in their 30s	$560	$810	$1,410	$118
Adult in their 50s	$515	$745	$1,300	$108
Senior (72)	$625	$910	$1,580	$132
30s, one at-fault accident	$810	$1,175	$2,045	$170
30s, DUI on record	$1,035	$1,500	$2,610	$218

Toyota Highlander vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Highlander	$1,410	88	88	—
Tesla Model Y	$1,505	118	77	Compare
Nissan Murano	$1,465	90	90	Compare
Ford Explorer	$1,400	85	81	Compare

Estimate Toyota Highlander insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
Corolla $1,705/yr
GR86 $2,095/yr
Land Cruiser $1,290/yr
Prius $1,595/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tacoma $1,375/yr
Tundra $1,515/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Highlander?

We estimate about $1,410 a year ($118 a month) for full coverage and $560 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% less than the average vehicle.

Is the Toyota Highlander expensive to insure?

HLDI insurance-loss data rates it at 88 for collision and 88 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Toyota Highlander?

Maine has the lowest estimate (about $895 a year for full coverage) and Florida the highest (about $2,025).

What is the Toyota Highlander's NHTSA safety rating?

The 2026 Toyota Highlander earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Highlander cheaper to insure than the Tesla Model Y?

By our estimate the Toyota Highlander costs about $1,410 a year versus $1,505 for the Tesla Model Y, making it the cheaper of the two to insure.

How much is Toyota Highlander insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,880 a year at national-average rates by our estimate.

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