Ashlee Tilford Written by Ashlee Tilford
Managing Editor

Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn't writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky.


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Insurance.com research suggests that the cost of insuring a Toyota Highlander is estimated to be around $1,985 annually or $165 monthly. It's important for drivers to consider these rates when assessing their insurance needs. These rates can increase based on your driving record, location, age, and other factors.

Auto insurance rates vary depending on the model year. For instance, average car insurance rates for a 2023 Toyota Highlander costs $1,985 per year, while its 2022 equivalent costs $1,646 per year.

Regardless of your chosen model year, you can find a competitive carrier that meets your needs and budget. Insurance.com conducted data analysis and discovered which cars offer the most affordable insurance rates based on model year and whether one specific model is cheaper to insure than others.

Read on to learn in detail about these cost-effective auto policies for Toyota Highlander.

Average insurance cost of Toyota Highlander by model year

Year of Toyota Highlander ModelAverage Cost to Insure
2023$1,985
2022$1,646
2021$1,599
2020$1,628
2019$1,670
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Compare Toyota Highlander insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
Allstate2WD 4 Door Utility Turbo$2,798
Geico2WD 4 Door Utility Turbo$1,957
Farmers2WD 4 Door Utility Turbo$3,270
Nationwide2WD 4 Door Utility Turbo$2,869
Progressive2WD 4 Door Utility Turbo$1,521
State Farm2WD 4 Door Utility Turbo$1,882

Toyota Highlander insurance rates per year

2023

2023 Toyota Highlander insurance rates

Average cost to insure $1,985
Annual cheapest rate $1,446
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,446
2State Farm$1,457
3Nationwide$1,663
4Progressive$1,874
5Farmers$2,497
6Allstate$2,971
2022

2022 Toyota Highlander insurance rates

Average cost to insure $1,646
Annual cheapest rate $1,215
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1State Farm$1,215
2Geico$1,241
3Nationwide$1,419
4Progressive$1,647
5Farmers$1,978
6Allstate$2,375
2021

2021 Toyota Highlander insurance rates

Average cost to insure $1,599
Annual cheapest rate $1,125
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1State Farm$1,125
2Progressive$1,197
3Geico$1,260
4Nationwide$1,521
5Farmers$2,005
6Allstate$2,487
2020

2020 Toyota Highlander insurance rates

Average cost to insure $1,628
Annual cheapest rate $1,177
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,177
2State Farm$1,239
3Progressive$1,472
4Farmers$1,798
5Nationwide$1,843
6Allstate$2,236
2019

2019 Toyota Highlander insurance rates

Average cost to insure $1,670
Annual cheapest rate $1,185
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,185
2State Farm$1,345
3Nationwide$1,462
4Progressive$1,631
5Farmers$2,181
6Allstate$2,216
2018

2018 Toyota Highlander insurance rates

Average cost to insure $1,646
Annual cheapest rate $1,148
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,148
2State Farm$1,340
3Nationwide$1,488
4Progressive$1,613
5Farmers$2,131
6Allstate$2,158
2017

2017 Toyota Highlander insurance rates

Average cost to insure $1,593
Annual cheapest rate $1,128
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,128
2State Farm$1,285
3Nationwide$1,495
4Progressive$1,555
5Allstate$2,020
6Farmers$2,076
2016

2016 Toyota Highlander insurance rates

Average cost to insure $1,580
Annual cheapest rate $1,107
Available trims Hybrid Bronze Edition, Hybrid LE, Hybrid Limited, Hybrid Platinum, Hybrid XLE, L, LE, Limited, Platinum, XLE, XSE
RankCompanyAverage annual premium
1Geico$1,107
2State Farm$1,286
3Progressive$1,546
4Nationwide$1,554
5Allstate$1,933
6Farmers$2,052
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