Toyota Highlander Insurance Costs in New Jersey
The Toyota Highlander consistently earns IIHS Top Safety Pick+ and is one of the safest 3-row SUVs available. Its insurance premiums are surprisingly affordable for a larger SUV — Toyota's outstanding safety record, low theft rate, and widespread OEM parts availability deliver below-average premiums for the 3-row segment.
Toyota Highlander Insurance Tips
Highlander IIHS Top Safety Pick+ and 5-Star NHTSA rating deliver the best safety credentials in the 3-row segment
Highlander Hybrid insurance is only $100–$180/year more than gas variant — Toyota's proven hybrid reliability keeps the gap small
Toyota Safety Sense 3.0 standard on all trims qualifies for 5–10% ADAS discounts at most major insurers
Low theft rate across all Highlander model years helps minimize comprehensive premiums
Toyota Highlander Insurance Rates by State
Full coverage, standard driver profile (35 yr, 12K miles/yr, 10 yrs experience). Click any state for a detailed breakdown.
How to Get the Cheapest Toyota Highlander Insurance Rate
Compare at least 5 quotes
Rates for the same Toyota Highlander driver profile vary $400–$1,200/year between insurers. Always compare GEICO, Progressive, State Farm, Erie, and your local regional insurer.
Bundle home and auto
Most insurers offer 10–25% multi-policy discounts. Bundling your Toyota Highlander with homeowners or renters insurance typically saves $180–$400/year.
Raise your deductible
Moving from a $500 to $1,000 deductible saves $150–$350/year. Only do this if you can comfortably cover $1,000 out-of-pocket after a claim.
Ask about safety technology discounts
The Toyota Highlander's safety features (automatic emergency braking, lane assist) qualify for ADAS discounts of 5–12% at most major insurers. Confirm this discount is applied to your quote.
Maintain a clean driving record
A single at-fault accident adds 25–45% to your premium for 3–5 years. The single most impactful long-term strategy for low insurance costs is accident avoidance.