Toyota Highlander Hybrid Car Insurance Quotes (2026)

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.

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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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.

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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.^[3]

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  Liability coverage

  Liability insurance helps pay for any damage you cause to other people or their property if you cause an accident. It doesn’t reimburse you for your damages, though.

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  Collision coverage

  Collision insurance, part of a full-coverage policy, is a common lender requirement if you lease your car. This coverage pays to fix your car if it’s in an accident, regardless of who caused it.

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  Comprehensive coverage

  Another part of a full-coverage policy that lenders require for financed cars, comprehensive insurance pays to repair your car if it’s damaged from something other than a collision, such as from a storm, theft, or a wildfire.

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  Roadside assistance coverage

  Roadside assistance can come in handy if you think you might need a tow or jump, plus policy fees are generally small to add this coverage. Highlanders are good cars, but they’re still not quite as off-road-ready as something like a Jeep or a pickup truck.

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.

Which company has the cheapest Toyota Highlander Hybrid insurance?

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.

Are Toyota Highlander Hybrids expensive to insure?

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.

How much does it cost to insure a Toyota Highlander Hybrid?

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.

Is car insurance higher for hybrid cars?

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.