If you’re wondering how much it will cost to insure your Toyota Highlander in 2025, you’re in the right place. Insurance rates for the Toyota Highlander vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Toyota Highlander is $2,220. However, this rate can vary depending on the model year. For example, a 2021 Highlander might cost around $2,055 annually, while a 2018 model could be more affordable at $1,883 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota Highlander.
What is the cost to insure your Toyota Highlander in 2025?
The average cost to insure a Toyota Highlander is $188 per month or $2,253 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota Highlander
Progressive offers the cheapest car insurance rates for Toyota Highlander at an average annual cost of $1,672 a year or $139 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Toyota Highlander
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Progressive | $1,672 | $836 | $139 |
| State Farm | $1,905 | $952 | $159 |
| Nationwide | $1,992 | $996 | $166 |
| Geico | $2,131 | $1,065 | $178 |
| Farmers | $2,861 | $1,431 | $238 |
| Allstate | $3,050 | $1,525 | $254 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota Highlander car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Toyota Highlander will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Toyota Highlander, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,700 | $850 | $142 |
| 2015 | $1,737 | $869 | $145 |
| 2016 | $1,800 | $900 | $150 |
| 2017 | $1,812 | $906 | $151 |
| 2018 | $1,883 | $941 | $157 |
| 2019 | $1,934 | $967 | $161 |
| 2020 | $2,056 | $1,028 | $171 |
| 2021 | $2,055 | $1,027 | $171 |
| 2022 | $2,115 | $1,058 | $176 |
| 2023 | $2,220 | $1,110 | $185 |
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Toyota Highlander car insurance rates for different trims
When it comes to insuring a Toyota Highlander, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For example, higher trims like the Highlander XSE, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Toyota Highlander.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Highlander LE | $2,206 | $1,103 | $184 |
| Highlander XLE | $2,252 | $1,126 | $188 |
| Highlander Limited | $2,266 | $1,133 | $189 |
| Highlander Platinum | $2,269 | $1,135 | $189 |
| Highlander XSE | $2,270 | $1,135 | $189 |
Toyota Highlander insurance rates: State-by-state breakdown
The cost to insure a Toyota Highlander can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Toyota Highlander car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,127 | $1,064 | $177 |
| Alabama | $1,984 | $992 | $165 |
| Arkansas | $2,265 | $1,132 | $189 |
| Arizona | $2,123 | $1,061 | $177 |
| California | $2,920 | $1,460 | $243 |
| Colorado | $2,937 | $1,469 | $245 |
| Connecticut | $2,418 | $1,209 | $201 |
| Washington, D.C. | $2,673 | $1,336 | $223 |
| Delaware | $2,200 | $1,100 | $183 |
| Florida | $2,888 | $1,444 | $241 |
| Georgia | $3,035 | $1,517 | $253 |
| Hawaii | $1,392 | $696 | $116 |
| Iowa | $1,899 | $950 | $158 |
| Idaho | $1,495 | $747 | $125 |
| Illinois | $2,154 | $1,077 | $180 |
| Indiana | $1,905 | $953 | $159 |
| Kansas | $2,379 | $1,190 | $198 |
| Kentucky | $2,799 | $1,400 | $233 |
| Louisiana | $3,635 | $1,818 | $303 |
| Massachusetts | $1,942 | $971 | $162 |
| Maryland | $2,086 | $1,043 | $174 |
| Maine | $1,587 | $794 | $132 |
| Michigan | $2,861 | $1,430 | $238 |
| Minnesota | $2,519 | $1,260 | $210 |
| Missouri | $2,846 | $1,423 | $237 |
| Mississippi | $2,290 | $1,145 | $191 |
| Montana | $2,261 | $1,131 | $188 |
| North Carolina | $2,043 | $1,021 | $170 |
| North Dakota | $1,975 | $987 | $165 |
| Nebraska | $2,339 | $1,169 | $195 |
| New Hampshire | $1,713 | $857 | $143 |
| New Jersey | $2,286 | $1,143 | $190 |
| New Mexico | $2,302 | $1,151 | $192 |
| Nevada | $2,236 | $1,118 | $186 |
| New York | $1,693 | $847 | $141 |
| Ohio | $1,475 | $738 | $123 |
| Oklahoma | $2,379 | $1,190 | $198 |
| Oregon | $2,120 | $1,060 | $177 |
| Pennsylvania | $2,362 | $1,181 | $197 |
| Rhode Island | $2,648 | $1,324 | $221 |
| South Carolina | $1,967 | $984 | $164 |
| South Dakota | $2,598 | $1,299 | $216 |
| Tennessee | $2,406 | $1,203 | $201 |
| Texas | $3,216 | $1,608 | $268 |
| Utah | $1,840 | $920 | $153 |
| Virginia | $1,674 | $837 | $140 |
| Vermont | $1,723 | $861 | $144 |
| Washington | $2,047 | $1,024 | $171 |
| Wisconsin | $1,628 | $814 | $136 |
| West Virginia | $2,192 | $1,096 | $183 |
| Wyoming | $2,379 | $1,190 | $198 |
How your age impacts Toyota Highlander insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,187 | $4,093 | $682 |
| Adults | $2,253 | $1,126 | $188 |
The bottom line
Knowing how much it costs to insure your Toyota Highlander is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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