The Toyota Highlander is a mid-size crossover SUV that first debuted in the U.S. in 2000 and is still popular today. Minimum coverage rates start at an average of just $61 monthly for the Highlander. No matter which type of Highlander you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Highlander insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a closer look at how much it costs to insure a Toyota Highlander by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Highlander Car Insurance Costs in 2026
Toyota Highlander insurance costs an average of $2,103 per year, or approximately $175 per month, for full coverage in 2026.
Toyota Highlander insurance costs vary widely by location, with drivers in Wyoming paying an average of only $33 per month for minimum coverage, while those in Louisiana pay $175.
Travelers, Progressive, and Kemper are the cheapest carriers for model-year 2025 Toyota Highlander insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Highlander insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Highlander model.
How Much Does Toyota Highlander Insurance Cost?
The average Toyota Highlander insurance cost per month is $91 for minimum coverage and $175 for full coverage. This is approximately $1,086 annually for minimum coverage and $2,103 for full coverage. Toyota Highland full-coverage costs and minimum-coverage costs can vary based on many different factors, including your location, driving record, claims history, and more.
Average Annual vs. Monthly Cost
| Average Annual | Monthly Cost | |
| Full Coverage Average | $2,103 | $175 |
| Liability-Only Average | $1,086 | $91 |
Toyota Highlander Insurance Rate by Model Year
The table below compares Toyota Highlander insurance costs by model year, including average 2025 Toyota Highlander insurance rates.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2025 | $113 | $219 |
| 2024 | $104 | $201 |
| 2023 | $96 | $186 |
| 2022 | $89 | $173 |
| 2021 | $82 | $160 |
| 2020 | $74 | $143 |
| 2019 | $94 | $182 |
| 2018 | $90 | $175 |
| 2017 | $89 | $171 |
| 2016 | $100 | $194 |
Highlander Insurance Cost by Trim Level
The cost range for Toyota Highlanders by trim level is between $72 per month for the base L Sport Utility model and $238 per month for the Limited 25th Ed. Toyota Highlander Hybrid and Platinum trims cost more to insure due to their higher MSRPs. The table below compares the average Toyota Highlander car insurance costs by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| L Sport Utility 4d | $72 | $140 |
| Plus Sport Utility 4d | $74 | $142 |
| Hybrid Limited Sport Utility 4d | $80 | $153 |
| Hybrid Sport Utility 4d | $82 | $159 |
| Sport Utility 4d | $83 | $159 |
| Sport Suv 4d | $84 | $162 |
| Le Sport Utility 4d | $84 | $162 |
| Limited Hybrid Sport Utility 4d | $87 | $169 |
| Limited Sport Utility 4d | $88 | $171 |
| Le Plus Sport Utility 4d | $90 | $175 |
| Xse Sport Utility 4d | $91 | $176 |
| Se Sport Utility 4d | $92 | $178 |
| Xle Sport Utility 4d | $92 | $178 |
| Le | $93 | $181 |
| Limited Platinum Sport Utility 4d | $95 | $183 |
| Bronze Edition Sport Utility 4d | $95 | $184 |
| Platinum Sport Utility 4d | $95 | $185 |
| Limited Platinum Hybrid Sport Utility 4d | $97 | $187 |
| Le Nightshade | $98 | $190 |
| Xle | $102 | $198 |
| Xse | $105 | $204 |
| Xle Nightshade | $108 | $210 |
| Limited | $112 | $218 |
| Platinum | $120 | $234 |
| Limited 25th Edition | $122 | $238 |
Cheapest Insurance Companies for the Toyota Highlander in 2026
Wondering where to find the cheapest car insurance for a Toyota Highlander this year? Travelers has the cheapest minimum coverage rates, starting at an average of just $78 per month. The table below shows the best car insurance companies for a Toyota Highlander in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Travelers | $78 | $144 |
| Progressive | $87 | $162 |
| Kemper | $94 | $190 |
| Nationwide | $98 | $170 |
| The Hartford | $99 | $169 |
| AAA | $104 | $217 |
| Amica | $114 | $233 |
| Allstate | $114 | $221 |
| Chubb | $119 | $238 |
| AIG | $130 | $322 |
| UAIC | $150 | $188 |
Highlander and Grand Highlander Insurance Costs
The cost of Toyota Highlander insurance also depends on the specific model you drive. The table below compares the Grand Highland vs. Highlander Hybrid insurance costs in 2026.
| Toyota Highlander Hybrid | Toyota Grand Highlander Hybrid |
| $172 per month | $223 per month |
What Kind of Insurance Do You Need for Your Toyota Highlander?
There are several types of coverage to choose from when building your auto insurance policy. Most states have minimum required auto insurance coverage. Your independent insurance agent can advise you on exactly what kind of insurance you need for a Toyota Highlander in your state. While certain coverages are optional, it can be wise to weigh the benefits of adding extra protection.
Most States Mandate the Following Coverage:
Bodily injury liability
Unfortunately, there’s a chance you could get into an accident and harm someone else. This coverage provides reimbursement to the other party for medical care and lost wages up to your policy limits.
Property damage liability
Property damage liability covers damage you cause to another person’s vehicle or property while driving.
Many States Also Require This Coverage:
Medical payments coverage or personal injury protection
Medical payments coverage helps pay for medical expenses for the driver or passengers injured in an accident, up to the coverage limit.
Personal injury protection (PIP) coverage pays for the cost of medical care and lost wages for you and your passengers in the event of an auto accident.
Uninsured motorist coverage
More than one in seven drivers don’t carry auto insurance, putting you at risk. This coverage protects you from losses when another driver causes an accident and doesn’t have adequate car insurance. You can also get uninsured and underinsured motorist coverage, which protects you against losses stemming from drivers whose policy limits aren’t sufficient to cover the full extent of the damage.
Optional Coverage
Collision
Collision coverage pays for damage to your car from a collision with another object, regardless of fault.
Comprehensive
Comprehensive coverage pays for damage to your car caused by non-collision events, such as a flood or theft.
Glass
Glass claims are among the most common types of car insurance claims. It’s easy for rocks to get kicked up, which can cause chips and cracks. For a low premium, glass coverage can replace or repair your windshield if it is damaged by a covered cause.
Gap
If you owe more on your car than it's worth, having gap coverage can be wise. If you don't have this coverage and your car is declared a total loss, you will still owe money on your vehicle. It's also worth considering gap insurance for a Toyota Highlander financed through a lender.
What Affects the Cost of Car Insurance for Your Toyota Highlander?
Several factors can affect the cost of Toyota Highlander car insurance, including how often you drive your vehicle and your driving history.
Annual Mileage
The more miles you drive each year, the higher your annual premiums are likely to be. That's because your risk of being involved in an accident or other incident is greater the more you drive your vehicle. Ask your independent insurance agent about telematics programs, such as Progressive's Snapshot or Allstate's Drivewise, which monitor your total mileage. You may be eligible to earn discounts on your auto insurance if you drive fewer than a certain number of miles per year.
Driving Record
Drivers with no traffic or moving violations on their records typically enjoy much lower car insurance rates. Having just one speeding ticket on your record can raise Toyota Highlander insurance rates by as much as 39%, and a DUI can raise them significantly more. If you’ve had any traffic violations recently, you can ask your independent insurance agent about when your rates may return to normal.
The Value and Trim of Your Highlander
The more expensive your vehicle, the more it will cost to insure, as a general rule. Keep in mind that Hybrid and Platinum Highlander models often come with higher MSRPs, leading to higher auto insurance costs.
| Model Year | Average Price of a Toyota Highlander |
| 2021 | $23,500 - $33,000 |
| 2022 | $27,000 - $35,700 |
| 2023 | $29,900 - $38,300 |
| 2024 | $33,500 - $43,500 |
| 2025 | $39,500 - $52,000 |
Toyota Highlander Safety Ratings and Their Effect on Insurance
The National Highway Traffic Safety Administration (NHTSA) gave the 2025 Highlander an impressive five-star rating overall, making it an excellent choice as a midsize SUV. The 2025 Highlander also earned a Top Safety Pick rating.
Where You Live
Your location plays a major role in your auto insurance rate calculations. If you live in a large city, you're more at risk of being involved in incidents that can lead to a claim than in a small town. In 2026, Toyota Highlander insurance ranges from just $33 monthly in Wyoming to $175 in Louisiana for minimum coverage.
Current Cost to Insure a Toyota Highlander
The cost of car insurance premiums can vary greatly depending on your selected coverage, age, driving record, etc. The average cost to insure a Highlander ranges from $91 to $175 per month.
Toyota Highlander Insurance Cost by State
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $77 | $147 |
| Alaska | $63 | $134 |
| Arizona | $111 | $206 |
| Arkansas | $75 | $166 |
| California | $87 | $177 |
| Colorado | $86 | $205 |
| Connecticut | $123 | $211 |
| Delaware | $125 | $210 |
| District Of Columbia | $94 | $175 |
| Florida | $119 | $276 |
| Georgia | $129 | $213 |
| Hawaii | $47 | $105 |
| Idaho | $49 | $100 |
| Illinois | $82 | $154 |
| Indiana | $59 | $115 |
| Iowa | $51 | $123 |
| Kansas | $66 | $153 |
| Kentucky | $110 | $186 |
| Louisiana | $175 | $372 |
| Maine | $47 | $98 |
| Maryland | $137 | $232 |
| Massachusetts | $90 | $192 |
| Michigan | $144 | $278 |
| Minnesota | $76 | $158 |
| Mississippi | $82 | $161 |
| Missouri | $110 | $218 |
| Montana | $66 | $156 |
| Nebraska | $67 | $151 |
| Nevada | $159 | $286 |
| New Hampshire | $63 | $112 |
| New Jersey | $147 | $242 |
| New Mexico | $73 | $162 |
| New York | $111 | $200 |
| North Carolina | $74 | $145 |
| North Dakota | $56 | $121 |
| Ohio | $67 | $131 |
| Oklahoma | $84 | $186 |
| Oregon | $107 | $186 |
| Pennsylvania | $80 | $187 |
| Rhode Island | $110 | $197 |
| South Carolina | $89 | $167 |
| South Dakota | $50 | $152 |
| Tennessee | $70 | $141 |
| Texas | $111 | $227 |
| Utah | $97 | $165 |
| Vermont | $42 | $99 |
| Virginia | $85 | $138 |
| Washington | $81 | $151 |
| West Virginia | $77 | $157 |
| Wisconsin | $59 | $130 |
| Wyoming | $33 | $104 |
Which States Are Most and Least Expensive for Highlander Insurance?
The tables below show the five most expensive and the five most affordable states for Toyota Highlander insurance in 2026.
| Most Expensive States for Highlander Insurance | Average Monthly Minimum Coverage Premium |
| Louisiana | $175 |
| Nevada | $159 |
| New Jersey | $147 |
| Michigan | $144 |
| Maryland | $137 |
| Most Affordable States for Highlander Insurance | Average Monthly Minimum Coverage Premium |
| Wyoming | $33 |
| Vermont | $42 |
| Hawaii (tie) | $47 |
| Maine (tie) | $47 |
| Idaho | $49 |
How to Save on Toyota Highlander Insurance
Fortunately, insurance companies offer a variety of options to save you money on auto insurance, including:
- Good student discounts (~25%)
- Anti-theft device discounts (~35%)
- Affinity discounts (~5%)
- Good driver discounts (~20%-25%)
- Bundling discounts (~20%-25%)
- Multi-vehicle discounts (~25%)
- Telematics discounts (~10%-20%)
- Pay-in-full discounts (~20%)
Higher deductibles can also help you save on your monthly premiums. A local independent insurance agent can help you find the best car insurance discounts and increase your savings as much as possible. You can estimate your total car insurance costs for a Toyota Highlander by using our car insurance calculator.
Toyota Highlander Insurance Rates by Driver Age and Profile
Toyota Highlander car insurance rates vary dramatically by age. Teens and young drivers pay the most for Toyota Highlander insurance by far. Car insurance rates start to decline dramatically around age 25. Around age 65, rates begin to climb again through your senior years. The table below shows the average cost of Toyota Highlander car insurance by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 17 | $7,828 | $11,489 | $13,453 |
| 18 | $7,305 | $10,705 | $12,506 |
| 19 | $6,433 | $9,430 | $11,051 |
| 20 | $5,615 | $8,202 | $9,625 |
| 21 | $4,661 | $6,904 | $8,040 |
| 22 | $4,575 | $6,732 | $7,851 |
| 23 | $4,047 | $5,902 | $6,886 |
| 24 | $3,807 | $5,581 | $6,561 |
| 25 | $3,332 | $4,804 | $5,641 |
| 30 | $2,578 | $3,767 | $4,363 |
| 35 | $2,369 | $3,500 | $4,126 |
| 40 | $2,270 | $3,416 | $3,938 |
| 45 | $2,224 | $3,297 | $3,852 |
| 55 | $2,010 | $3,023 | $3,534 |
| 65 | $2,098 | $3,152 | $3,713 |
| 75 | $2,664 | $3,990 | $4,612 |
FAQs About Toyota Highlander Car Insurance Costs in 2026
How much does it cost to insure a Toyota Highlander per month?
The average Toyota Highlander insurance cost per month is $91 for minimum coverage and $175 for full coverage. This is approximately $1,086 annually for minimum coverage and $2,103 for full coverage. Car insurance rates vary by state, age, trim, and insurer.
Is the Toyota Highlander expensive to insure?
No, the average cost to insure a Toyota Highlander is less than that of other SUVs. The Highlander ranks 94th out of 256 SUVs for affordability. While full coverage for the Highlander averages $175 per month, typical SUVs average $184 per month.
What is the cheapest insurance company for a Toyota Highlander?
We found that Travelers is the cheapest insurance company for a Toyota Highlander this year, with rates starting at just $78 per month for minimum coverage and $144 for full coverage.
Does a Toyota Highlander Hybrid cost more to insure?
Yes, the Toyota Highlander Hybrid costs more to insure than gas-powered models. The Toyota Grand Highlander Hybrid, in particular, costs an average of $223 per month to insure.
How does the Toyota Highlander's safety rating affect insurance?
The 2025 Toyota Highlander earned impressive IHS Top Safety Pick and NHTSA 5-star overall scores. The vehicle's strong safety ratings lead to lower car insurance premiums.
What coverage do I need for a financed Toyota Highlander?
For a financed Toyota Highlander, lenders often require you to have full coverage, which includes liability, collision, and comprehensive insurance. You also may want to add gap insurance to cover the difference you may still owe on your loan or lease if your vehicle is declared a total loss within the first few years of ownership.
How does the trim level affect my Highlander's insurance premium?
Higher trim levels cost more to insure. The base LE model costs just $72 per month for minimum coverage on average, while the Hybrid Limited 25th Ed costs an average of $238 per month for full coverage.
What discounts are available for Toyota Highlander insurance?
Many car insurance discounts are available to help reduce the cost of Toyota Highlander insurance, such as multi-policy, good driver, anti-theft (up to 35% from Liberty Mutual), telematics, pay-in-full, good student, and multi-vehicle discounts. An independent insurance agent can help find and apply all the discounts you're eligible for.
An Independent Insurance Agent Can Help You Get a Toyota Highlander Car Insurance Quote
An independent insurance agent can help you get the most affordable quote available for your Toyota Highlander. Your agent can shop and compare quotes from top insurance companies for you to find the best rate. Your agent can also help you understand how to balance premium costs and coverage levels to get the best value.
Reach out to an independent insurance agent today to get a quote for insurance on your Toyota Highlander. An independent insurance agent can shop and compare dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, and help you get the right type of auto insurance. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-highlander-insurance/#cost-by-state
https://www.thezebra.com/auto-insurance/vehicles/toyota/highlander-hybrid/
https://www.kbb.com/toyota/highlander/2025/
https://www.iihs.org/ratings/vehicle/toyota/highlander-4-door-suv/2025
https://www.insuranceopedia.com/auto-insurance/toyota-highlander-car-insurance