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The average Toyota Highlander car insurance rate for 2021 is $1,640 based on the profile of a 30-year-old driver. However, car insurance rates by state vary dramatically based on your ZIP code, among other factors. The state where you live plays a significant role in determining your insurance rate. For example, Michigan is the most expensive state for car insurance with an average insurance cost of $3,210 a year, whereas New Hampshire has the lowest Toyota Highlander insurance rates for full coverage, with an annual insurance cost of $1,038 on average for drivers aged 30.

Average insurance cost of Toyota Highlander by model year
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Table
Year of Toyota Highlander ModelAverage Cost to Insure
2020$1,667
2019$961
2018$957
2017$941
2016$947

Compare Toyota Highlander Insurance Rates by State

L O A D I N G
Company Style Premium(Avg) Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate Ins Grp2WD 4 Door Utility$1,094$1,889$738$655
Berkshire Hathaway Grp2WD 4 Door Utility$724$1,325$495$351
Farmers Ins Grp2WD 4 Door Utility$1,384$2,075$1,120$956
Nationwide Corp Grp2WD 4 Door Utility$1,422$2,563$977$726
Progressive Grp2WD 4 Door Utility$843$1,489$618$422
State Farm Grp2WD 4 Door Utility$1,196$2,146$843$598
Allstate Ins Grp2WD 4 Door Utility$1,094$1,889$738$655
Berkshire Hathaway Grp2WD 4 Door Utility$749$1,402$495$351
Farmers Ins Grp2WD 4 Door Utility$1,465$2,318$1,120$956
Nationwide Corp Grp2WD 4 Door Utility$1,422$2,563$977$726
Progressive Grp2WD 4 Door Utility$835$1,522$582$401
State Farm Grp2WD 4 Door Utility$1,196$2,146$843$598
Allstate Ins Grp4WD 4 Door Utility$1,094$1,889$738$655
Berkshire Hathaway Grp4WD 4 Door Utility$791$1,482$521$370
Farmers Ins Grp4WD 4 Door Utility$1,486$2,350$1,140$967
Nationwide Corp Grp4WD 4 Door Utility$1,493$2,638$1,058$784
Progressive Grp4WD 4 Door Utility$898$1,713$580$402
State Farm Grp4WD 4 Door Utility$1,218$2,213$843$598
Allstate Ins Grp4WD 4 Door Utility Hybrid$1,167$2,016$787$697
Berkshire Hathaway Grp4WD 4 Door Utility Hybrid$776$1,483$495$351
Farmers Ins Grp4WD 4 Door Utility Hybrid$1,341$2,058$1,061$903
Nationwide Corp Grp4WD 4 Door Utility Hybrid$1,569$2,864$1,058$784
Progressive Grp4WD 4 Door Utility Hybrid$908$1,730$587$407
State Farm Grp4WD 4 Door Utility Hybrid$1,218$2,213$843$598

2020 Toyota Highlander Insurance Rates

companiesAverage Premium
Progressive Universal Ins Co$848
Artisan & Truckers Cas Co$931
Geico Cas Co$959
Progressive Paloverde Ins Co$1,043
Progressive Advanced Ins Co$1,110
Government Employees Ins Co$1,124
Farmers Ins Co Of ID$1,125
Progressive HI Ins Corp$1,231
State Farm Mut Auto Ins Co$1,231
Farmers Ins Of Columbus Inc$1,249
Geico Gen Ins Co$1,284
Progressive Northwestern Ins Co$1,309
Progressive Classic Ins Co$1,316
Depositors Ins Co$1,353
Progressive Garden State Ins Co$1,367
Progressive Max Ins Co$1,384
Geico Ind Co$1,424
Farmers Ins Co Of OR$1,432
Progressive Specialty Ins Co$1,432
Illinois Farmers Ins Co$1,448
Progressive Direct Ins Co$1,454
Progressive Gulf Ins Co$1,470
Berkshire Hathaway Grp$1,509
Progressive Preferred Ins Co$1,510
Progressive Northern Ins Co$1,541
Progressive Southeastern Ins Co$1,562
Allied Prop & Cas Ins Co$1,566
Nationwide Agribusiness Ins Co$1,571
United Financial Cas Co$1,597
State Farm Ind Co$1,645
Progressive Marathon Ins Co$1,676
Nationwide Affinity Co of Amer$1,687
Mid Century Ins Co$1,709
Farmers Ins Co Inc$1,724
Progressive Cas Ins Co$1,727
Nationwide Prop & Cas Ins Co$1,737
Farmers Ins HI Inc$1,743
Victoria Fire & Cas Co$1,803
Nationwide Ins Co Of Amer$1,877
Farmers Ins Co Of AZ$1,902
Nationwide Mut Ins Co$1,917
Progressive Select Ins Co$1,945
Progressive Mountain Ins Co$1,952
Farmers Ins Co Of WA$2,064
Allstate Ins Co$2,087
Allstate Northbrook Ind Co$2,088
Nationwide Mut Fire Ins Co$2,092
Amco Ins Co$2,125
Allstate Ind Co$2,209
Allstate Fire & Cas Ins Co$2,214
Allstate NJ Prop & Cas Ins Co$2,218
21st Century Centennial Ins Co$2,245
Allstate Prop & Cas Ins Co$2,351
Colonial Cnty Mut Ins Co$2,722
Progressive Security Ins Co$2,722
Farmers Ins Exch$2,809
Average Cost to Insure $1,667/year
Cheapest Rate $848/year
Available Trims LE, LE Plus, Limited, Ltd Platinum, SE, XLE

2019 Toyota Highlander Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$667
State Farm Grp$743
Nationwide Corp Grp$910
Progressive Grp$974
Allstate Ins Grp$1,213
Farmers Ins Grp$1,260
Average Cost to Insure $961/year
Cheapest Rate $667/year
Available Trims LE, LE Plus, Limited, Ltd Platinum, SE, XLE

2018 Toyota Highlander Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$656
State Farm Grp$747
Nationwide Corp Grp$933
Progressive Grp$974
Allstate Ins Grp$1,192
Farmers Ins Grp$1,237
Average Cost to Insure $957/year
Cheapest Rate $656/year
Available Trims LE, LE Plus, Limited, Ltd Platinum, SE, XLE

2017 Toyota Highlander Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$651
State Farm Grp$730
Nationwide Corp Grp$945
Progressive Grp$955
Allstate Ins Grp$1,148
Farmers Ins Grp$1,217
Average Cost to Insure $941/year
Cheapest Rate $651/year
Available Trims LE, LE Plus, Limited, Ltd Platinum, SE, XLE

2016 Toyota Highlander Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$655
State Farm Grp$742
Progressive Grp$962
Nationwide Corp Grp$990
Allstate Ins Grp$1,122
Farmers Ins Grp$1,212
Average Cost to Insure $947/year
Cheapest Rate $655/year
Available Trims LE, LE Plus, Limited, Ltd Platinum, SE, XLE