Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Toyota Highlander is $2,268 per year or $189 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2024 Toyota Highlander costs $2,268, whereas the 2023 Toyota Highlander costs $2,231 annually. This is $37 less than the 2024 rates.
Progressive offers the cheapest annual rate for 2024 Toyota Highlander at $1,672 per year.
Below, we'll look at Toyota Highlander insurance rates and show you how to save.
Average insurance cost of Toyota Highlander by model year
| Year of Toyota Highlander model | Average cost to insure |
|---|---|
| 2024 | $2,269 |
| 2023 | $2,231 |
| 2022 | $2,130 |
| 2021 | $2,074 |
| 2020 | $2,072 |
Compare Highlander insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Utility DOHC Turbo | $2,270 |
| Progressive | 4WD 4 Door Utility DOHC Turbo | $2,297 |
| State Farm | 4WD 4 Door Utility DOHC Turbo | $2,354 |
| Nationwide | 2WD 4 Door Utility DOHC Turbo | $2,371 |
| Nationwide | 4WD 4 Door Utility DOHC Turbo | $2,386 |
| GEICO | 2WD 4 Door Utility DOHC Turbo | $2,447 |
| Progressive | 2WD 4 Door Utility DOHC Turbo | $2,832 |
| GEICO | 4WD 4 Door Utility DOHC Turbo | $2,904 |
| Allstate | 2WD 4 Door Utility DOHC Turbo | $4,304 |
| Allstate | 4WD 4 Door Utility DOHC Turbo | $4,304 |
Toyota Highlander insurance rates per year
2024 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Progressive $1,672 2 State Farm $1,905 3 Nationwide $1,992 4 GEICO $2,131 5 Farmers $2,861 6 Allstate $3,050 2023 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Progressive $1,752 2 State Farm $1,869 3 Nationwide $1,952 4 GEICO $2,034 5 Farmers $2,758 6 Allstate $3,023 2022 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,768 2 Progressive $1,780 3 Nationwide $1,832 4 State Farm $1,897 5 Farmers $2,696 6 Allstate $2,807 2021 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,710 2 Progressive $1,811 3 Nationwide $1,845 4 State Farm $1,854 5 Farmers $2,600 6 Allstate $2,622 2020 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,648 2 State Farm $1,770 3 Nationwide $1,928 4 Progressive $2,046 5 Farmers $2,484 6 Allstate $2,554 2019 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,573 2 State Farm $1,675 3 Progressive $1,815 4 Nationwide $1,848 5 Allstate $2,400 6 Farmers $2,402 2018 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,526 2 State Farm $1,635 3 Progressive $1,773 4 Nationwide $1,852 5 Farmers $2,300 6 Allstate $2,334 2017 Toyota Highlander insurance rates
Rank Company Average annual premium 1 GEICO $1,470 2 State Farm $1,600 3 Progressive $1,733 4 Nationwide $1,764 5 Allstate $2,215 6 Farmers $2,237
Toyota insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage