How much is insurance on a Toyota Grand Highlander?

A 2024 Toyota Grand Highlander runs about $1,770 a year for a typical 45-year-old, $170 less than an average car of the same age, because of less damage to others' property. Putting a new 16-year-old on a family policy with the Grand Highlander adds about $1,170 a year (#8 of 25 midsize SUVs we compare).

2024 Toyota Grand Highlander (Grand Highlander Limited), national average

about $1,770 a year (about $150 a month)

Estimated range: $1,300–$2,350. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year.

A Toyota Grand Highlander from the 2024–present generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Grand Highlander Limited, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Grand Highlander's rank is the same in every state.

Why the Toyota Grand Highlander costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota Grand Highlander 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 96 for crash repairs, 107 for non-crash damage, and 66 for damage to others' property.

Crash repairs (collision)fixing this car after a crashAverage4% better than average18th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage7% worse than average20th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average34% better than average6th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Grand Highlander comes out about 1% better than average. So the part of the bill that fixes the car is about the same as average: about $950 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Grand Highlander, so we go by that one result: about 34% better than average. We count about half, so that part is about 18% less: $820 a year vs $990.

How the math works

In EPA size classes, the Grand Highlander is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Toyota Grand Highlander is benchmarked against midsize SUVs.

Matched to HLDI series “Toyota Grand Highlander 4dr” (HLDI, 2022–24 models).

Across 2024 Toyota Grand Highlander trims, full coverage goes from about $1,730 a year on the Grand Highlander AWD LE/XLE to about $1,790 on the Grand Highlander Hybrid Limited, because HLDI's loss results differ by body, drive, or powertrain.

Grand Highlander AWD LE/XLE; Grand Highlander AWD Limited/Platinum: about $1,730
Grand Highlander LE/XLE; Grand Highlander Limited: about $1,770
Grand Highlander Hybrid; Grand Highlander Hybrid AWD; Grand Highlander Hybrid Limited: about $1,790

On a policy of their own with a 2024 Toyota Grand Highlander, a 22–25-year-old pays about $2,300 a year ($530 more than a 45-year-old), a 26–39-year-old about $1,960, and a driver 65 and older about $1,860.

Adding a 16-year-old with a Toyota Grand Highlander

Because the Toyota Grand Highlander starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,170 a year ($100 a month), $110 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,070 a year, about $3,910 more than sharing the family policy.

For adding a teen driver, the Toyota Grand Highlander ranks 17th cheapest out of all 121 models we track.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Toyota Grand Highlander is the 8th least expensive to insure. Right next to it are the Volkswagen Atlas (about $1,740 a year) and the Kia Telluride (about $1,780).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Grand Highlander costs in your state

In six sample states, a 2024 Toyota Grand Highlander runs from about $1,140 a year in Maine through Iowa, Nebraska, Oregon and Connecticut to about $2,120 in Texas:

Maineabout $1,140/yr · +$750 teen
Iowaabout $1,240/yr · +$820 teen
Nebraskaabout $1,460/yr · +$960 teen
Oregonabout $1,560/yr · +$1,030 teen
Connecticutabout $1,850/yr · +$1,220 teen
Texasabout $2,120/yr · +$1,400 teen

All 50 states and DC · Updated November 5, 2026.

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