Toyota Highlander Hybrid Car Insurance Quotes (2025)
Insuring a Toyota Highlander Hybrid usually costs $143 per month, which is slightly more expensive than the traditional Highlander.
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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.
Quick Facts
USAA, GEICO, and State Farm offer the lowest rates for insuring a Toyota Highlander Hybrid.
The 2023 Highlander Hybrid has the most expensive premiums, at an average of $176 per month.
A 2025 Highlander Hybrid has an MSRP of $47,770 for the base model.
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.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $169 |
| 2024 | $156 |
| 2023 | $176 |
| 2022 | $148 |
| 2021 | $145 |
| 2020 | $148 |
| 2019 | $163 |
| 2018 | $154 |
| 2017 | $160 |
| 2016 | $147 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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A brand-new Toyota Highlander Hybrid costs between $47,770 and $55,425. Here’s the average price for a policy.
Insurance CompanyAverage Monthly QuoteUSAA $75 State Farm $90 Allstate $99 GEICO $110 American Family $114 Progressive $133 Nationwide $138 Travelers $145 Farmers $175 Liberty Mutual $220 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?] Here are the average premiums that auto insurers are charging for these vehicles, according to Insurify data.
Insurance CompanyAverage Monthly QuoteUSAA $96 State Farm $115 Allstate $128 GEICO $142 American Family $147 Progressive $171 Nationwide $178 Travelers $187 Farmers $225 Liberty Mutual $283 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $93 State Farm $111 Allstate $123 GEICO $137 American Family $141 Progressive $164 Nationwide $171 Travelers $180 Farmers $216 Liberty Mutual $272 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $87 State Farm $104 Allstate $115 GEICO $128 American Family $133 Progressive $154 Nationwide $160 Travelers $169 Farmers $203 Liberty Mutual $255 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $85 State Farm $102 Allstate $113 GEICO $126 American Family $130 Progressive $152 Nationwide $157 Travelers $166 Farmers $198 Liberty Mutual $250 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $83 State Farm $99 Allstate $110 GEICO $122 American Family $127 Progressive $147 Nationwide $153 Travelers $161 Farmers $194 Liberty Mutual $244 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $75 State Farm $90 Allstate $99 GEICO $110 American Family $114 Progressive $133 Nationwide $138 Travelers $145 Farmers $175 Liberty Mutual $220 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $70 State Farm $84 Allstate $93 GEICO $104 American Family $108 Progressive $125 Nationwide $129 Travelers $137 Farmers $164 Liberty Mutual $207 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $73 State Farm $87 Allstate $97 GEICO $108 American Family $112 Progressive $130 Nationwide $134 Travelers $142 Farmers $170 Liberty Mutual $214 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance CompanyAverage Monthly QuoteUSAA $75 State Farm $90 Allstate $100 GEICO $111 American Family $115 Progressive $134 Nationwide $139 Travelers $146 Farmers $175 Liberty Mutual $221 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
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.
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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.[?]
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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