A brand-new Toyota Highlander Hybrid costs between $47,770 and $55,425. Here’s the average price for a policy.
Toyota introduced the Highlander Hybrid as one of the world’s first hybrid SUVs in 2006, cementing its popularity with all driver profiles. The Highlander Hybrid ranks among the top in the market but has higher insurance costs than the non-hybrid version.
In 2025, the average policy premium for Toyota Highlander Hybrids is $99 per month for liability coverage and $187 per month for full coverage, Insurify data shows. This car is generally more expensive to insure than competitor models, but its reliability and comfortable ride make it worth it for many drivers.
Here’s what you need to know about finding the most affordable coverage for your Highlander Hybrid.
Cost of Toyota Highlander Hybrid insurance by model year
The age of your Toyota Highlander can affect your car insurance rates. Newer cars typically have more vehicle safety features, for example, but those can be costly to repair and increase your insurance costs.
Overall, the average auto insurance premium for a Toyota Highlander Hybrid is $143 per month, and USAA generally offers the lowest rates, based on Insurify data.
In 2024, the manufacturer’s suggested retail price (MSRP) on a new Toyota Highlander Hybrid was $42,420 for basic models, ranging up to $54,825 for luxury trims.1 Here are the average premiums that auto insurers are charging for these vehicles, according to Insurify data.
The 2023 Toyota Highlander Hybrid came with a price tag ranging from $42,015 to $54,420. Below are the average rates that auto insurance companies charge for a policy on this car today.
The MSRP on a new Toyota Highlander Hybrid ranged from $40,890 to $52,795 in 2022. Insurance companies typically charge the following average rates to insure these SUVs today.
In 2021, buying a new Toyota Highlander Hybrid cost between $39,950 and $51,855. Whether you bought your car new or used, here’s what drivers pay today to insure it.
A new 2020 Toyota Highlander Hybrid came with a price tag ranging from $39,375 to $51,375. Here’s how much an auto policy costs today from several insurers.
Toyota’s 2019 Highlander Hybrids came with an MSRP ranging from $37,520 to $49,180. Today, insurance companies typically charge the following rates to insure this car.
In 2018, a new Toyota Highlander Hybrid cost between $36,870 and $48,480. Here’s what an insurance policy costs today from major insurers.
The 2017 model year Toyota Highlander Hybrid had an MSRP of $36,270 to $47,880. Insurance companies typically charge the following rates on this car for a policy today.
The MSRP on a new 2016 Toyota Highlander Hybrid was $47,870 to $50,485. Today, here’s how much a policy typically costs for this model year.
Average cost of Toyota Highlander Hybrid insurance by state
Aside from your Highlander’s age, your location also has a big effect on your insurance pricing. Insurance companies have risk assessment profiles down to the ZIP code and use this information to set your policy rates.2
Below are the average costs for Toyota auto policies in different states, according to Insurify data. Alaska and Hawaii are not included due to lack of data.
How to ensure you have enough coverage on your Toyota Highlander Hybrid
You’ll need to meet your state’s minimum coverage requirements in order to drive your SUV on public roads. But that may not be enough coverage depending on your insurance needs.
Here’s a quick recap of the main coverage options so you can decide whether it’s worth paying a higher insurance premium for more protection.3
Toyota Highlander Hybrid car insurance FAQs
If you still have questions about your coverage options, check out the additional information below about insuring a Toyota Highlander Hybrid.
USAA is the cheapest insurance company for Toyota Highlander Hybrids, according to Insurify data, but it’s available only to drivers with a military affiliation. Among publicly available insurance companies, State Farm offers the lowest insurance rates.
Premiums for Toyota Highlander Hybrids are slightly more expensive than a traditional Highlander, costing an average of $143 per month. In comparison, the monthly average auto insurance premium for a gas-powered Highlander is $131.
Average monthly premiums for a Toyota Highlander Hybrid are $99 for a minimum-coverage policy and $187 for a full-coverage policy. Insurers take many other factors into account when setting the price for a policy, so yours could vary, too.
Generally, yes. All else being equal, insurance companies tend to charge more for hybrid cars because they can be more costly to repair if you get into an accident.
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