2024 Toyota Highlander: Insurance & Ownership Costs
Quick Answer
The 2024 Toyota Highlander costs an average of $189/month to insure (full coverage). 5-year total cost of ownership: $47,350 ($789/month).
✓ Updated March 2026✓ Based on state insurance filings
MSRP
$39,320
Avg Insurance
$189/mo
MPG Combined
24
Safety Rating
5/5
Toyota Highlander Insurance by State
| State | Full Coverage | Monthly | |
|---|---|---|---|
| Alabama | $1,894/yr | $158/mo | Details → |
| Alaska | $1,782/yr | $149/mo | Details → |
| Arizona | $2,148/yr | $179/mo | Details → |
| Arkansas | $1,944/yr | $162/mo | Details → |
| California | $2,416/yr | $201/mo | Details → |
| Colorado | $2,172/yr | $181/mo | Details → |
| Connecticut | $2,490/yr | $208/mo | Details → |
| Delaware | $2,184/yr | $182/mo | Details → |
| Florida | $3,945/yr | $329/mo | Details → |
| Georgia | $2,484/yr | $207/mo | Details → |
These are estimates based on state averages. Your exact rate depends on your specific profile.
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5-Year Total Cost of Ownership
Depreciation
$16,908
Insurance
$11,340
Fuel
$9,625
Maintenance
$2,445
Financing
$6,672
Registration
$360
5-Year Total Cost
$47,350
$789/month | $1/mile