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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 $2,622 per year or $218 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 2025 Toyota Highlander costs $2,622, whereas the 2024 Toyota Highlander costs $2,604 annually. This is $18 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 Toyota Highlander at $1,832 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 |
|---|---|
| 2025 | $2,622 |
| 2024 | $2,604 |
| 2023 | $2,546 |
| 2022 | $2,439 |
| 2021 | $2,354 |
Compare Highlander insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,018 |
| State Farm | $2,090 |
| Travelers | $2,354 |
| UAIC | $2,648 |
| Mercury Insurance | $3,249 |
| GEICO | $3,278 |
| Progressive | $3,368 |
| Allstate | $3,763 |
| AIG | $5,653 |
Toyota Highlander insurance rates per year
2025 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,832 2 Progressive $2,133 3 Nationwide $2,226 4 State Farm $2,286 5 GEICO $2,323 6 Allstate $3,344 7 Farmers $3,579 8 USAA $1,928 2024 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,847 2 State Farm $2,144 3 Progressive $2,196 4 GEICO $2,257 5 Nationwide $2,390 6 Allstate $3,226 7 Farmers $3,587 8 USAA $2,039 2023 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,808 2 State Farm $2,051 3 Progressive $2,163 4 GEICO $2,179 5 Nationwide $2,395 6 Allstate $3,318 7 Farmers $3,540 8 USAA $2,000 2022 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,751 2 GEICO $1,931 3 State Farm $2,006 4 Progressive $2,341 5 Nationwide $2,389 6 Allstate $3,102 7 Farmers $3,287 8 USAA $1,935 2021 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,708 2 GEICO $1,880 3 State Farm $2,000 4 Progressive $2,282 5 Nationwide $2,393 6 Allstate $2,926 7 Farmers $3,184 8 USAA $1,868 2020 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,676 2 GEICO $1,821 3 State Farm $1,954 4 Progressive $2,208 5 Nationwide $2,352 6 Allstate $2,879 7 Farmers $3,035 8 USAA $1,790 2019 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,578 2 GEICO $1,747 3 State Farm $1,890 4 Progressive $2,051 5 Nationwide $2,201 6 Allstate $2,734 7 Farmers $2,924 8 USAA $1,703 2018 Toyota Highlander insurance rates
Rank Company Average annual premium 1 Travelers $1,548 2 GEICO $1,706 3 State Farm $1,855 4 Progressive $2,023 5 Nationwide $2,089 6 Allstate $2,670 7 Farmers $2,806 8 USAA $1,577
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