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 car of the same age, because of less damage to others' property, lower crash-repair losses, lower non-crash losses, and fewer injury claims. Putting a new 16-year-old on a family policy with the Highlander adds about $1,220 a year (#18 of 25 midsize SUVs we compare).

2024 Toyota Highlander (Highlander), national average

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

Estimated range: $1,350–$2,500. 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 used 2013 Highlander drops to about $1,440 (see the table below).

A Toyota Highlander from the 2020–2026 generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Highlander, 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 Highlander's rank is the same in every state.

Why the Toyota 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 Highlander 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 88 for crash repairs, 88 for non-crash damage, 87 for damage to others' property, and 94 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage12% better than average14th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage12% better than average13th 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 faultAverage13% better than average14th 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 costAveragefiled 6% less often than average15th best of the 21 midsize SUVs we compare

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.”

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 Highlander comes out about 12% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 5% less than average: about $900 a year vs $950. On the liability side, damage to others and injury claims combine to about 9% better than average. We count about half, so that part is about 5% less: $950 a year vs $990.

How the math works

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

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

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. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Highlander (0–3 years old)	about $1,850	about $950	+$1,220	about $5,310
2022 Highlander (4–7 years old)	about $1,740	about $950	+$1,150	about $5,000
2018 Highlander (8–12 years old)	about $1,470	about $790	+$970	about $4,220
2013 Highlander 2WD (13 or more years old)	about $1,440	about $880	+$950	about $4,150

Our catalog covers the Toyota Highlander across model years 2006–2027. Full coverage on a used 2013 Highlander (13 or more years old) runs about $1,440 a year, $400 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Toyota Highlander trims, full coverage goes from about $1,850 a year on the Highlander to about $1,980 on the Highlander Hybrid, because HLDI's loss results differ by body, drive, 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

On a policy of their own with a 2024 Toyota Highlander, a 22–25-year-old pays about $2,400 a year ($560 more than a 45-year-old), a 26–39-year-old about $2,050, and a driver 65 and older about $1,940.

Adding a 16-year-old with a Toyota Highlander

Adding a new 16-year-old who drives the Toyota Highlander raises the family bill by about $1,220 a year ($100 a month), $60 less than adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,310 a year, so keeping them on the family policy saves about $4,090 a year.

For adding a teen driver, the Toyota Highlander ranks 43rd cheapest out of all 121 models we track. Stepping down to a used 2013 Highlander (13 or more years old) brings the teen add-on to about $950 a year.

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 Highlander is the 8th most expensive to insure. Right next to it are the Chevrolet Blazer (about $1,850 a year) and the Hyundai Palisade (about $1,860).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Highlander costs in your state

In six sample states, a 2024 Toyota Highlander runs from about $1,230 a year in Vermont through Kansas, Alabama, California and New Jersey to about $2,440 in New York:

Vermontabout $1,230/yr · +$810 teen
Kansasabout $1,520/yr · +$1,000 teen
Alabamaabout $1,630/yr · +$1,080 teen
Californiaabout $1,820/yr · +$1,200 teen
New Jerseyabout $2,180/yr · +$1,440 teen
New Yorkabout $2,440/yr · +$1,610 teen

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

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