How much is insurance on a Toyota Highlander?

A 2024 Toyota Highlander runs about $1,850 a year for a typical 45-year-old, $90 less than an average 2024 car, because of slightly cheaper repairs and slightly fewer at-fault claims.

2024 Toyota Highlander, national average

about $1,850 a year (about $155 a month)

roughly $1,350–$2,450

An average 2024 car: about $1,940. An older Toyota Highlander costs less (below).

Priced: the 2024 Highlander (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.

A used Toyota Highlander, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 (0–3 years old)	about $1,850	about $950	+$1,220	about $5,310
2022 (4–7 years old)	about $1,740	about $950	+$1,150	about $5,000
2018 (8–12 years old)	about $1,620	about $950	+$1,070	about $4,660
2013 (13 or more years old)	about $1,510	about $950	+$990	about $4,320

We list the Toyota Highlander for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.

The 2024 Toyota Highlander runs from about $1,850 a year (Highlander) to about $1,980 (Highlander Hybrid): the claims data differs by drive, body, or powertrain.

Highlander: about $1,850
Highlander AWD: about $1,910
Highlander Hybrid AWD; Highlander Hybrid AWD LTD/PLAT: about $1,930
Highlander Hybrid: about $1,980

The Toyota Highlander for other drivers on their own policy, a year: 22–25, $2,400; 26–39, $2,050; 65 and older, $1,940.

Adding a 16-year-old with a Toyota Highlander

A new 16-year-old driving the Toyota Highlander adds about $1,220 a year ($100 a month), $60 less than with an average 2024 car.

For adding a teen, the Toyota Highlander ranks 43rd cheapest of our 121 car pages.

That's the whole household's bill going up. Cheapest cars to insure for a teen.

Why the Toyota Highlander costs what it does

Its insurance claims against an average car's (HLDI):

Repairs: lower than average
Theft and weather: lower than average
Damage to others: lower than average
Injuries to others: about average

The part that fixes or replaces the Toyota Highlander: about $900, against $950 for an average 2024 car (5% less). The part that pays for harm to others: about $950, against $990 for an average car (5% less).

By the EPA's size classes it's a small SUV, and it's gas-powered. The Highway Loss Data Institute groups it with midsize SUVs.

Matched to “Toyota Highlander 4dr” in HLDI's results.

Similar midsize SUVs

Among these 25 midsize SUVs, the Toyota Highlander is the 8th most expensive to insure.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.