Toyota Highlander Insurance Cost
The Toyota Highlander is a mid-size suv with an average insurance cost of $1,850/yr. It carries a 5/5 NHTSA safety rating and low theft risk. See how costs break down by year below.
Quote My Highlander$1,850/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
Low
Theft Risk
Mid-size SUV
Body Type
Insurance Cost by Year — Toyota Highlander
About Toyota Highlander Insurance
The Toyota Highlander is a popular mid-size suv that averages $1,850/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Highlander is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The low theft risk also helps keep comprehensive coverage affordable.
Insurance costs vary by model year — newer Highlanders (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Toyota Highlander insurance cost?
The average insurance cost for a Toyota Highlander is $1,850/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Toyota Highlander expensive to insure?
Compared to the national average of about $1,770/yr, the Toyota Highlander at $1,850/yr is above average in insurance cost. As a mid-size suv, it falls within the typical range for its class.
What is the Toyota Highlander's safety rating?
The Toyota Highlander has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Toyota Highlander a theft target?
The Toyota Highlander has a low theft risk rating. Low theft risk helps keep your comprehensive coverage affordable.
How can I get cheap Toyota Highlander insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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