Toyota Highlander Insurance in Florida (2026)
Quick Answer
Full coverage for a 2024 Toyota Highlander in Florida costs $329/month ($3,945/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Toyota Highlander Rates by Company in Florida
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $243/mo | $2,919/yr | Military families |
| Erie Insurance | $260/mo | $3,117/yr | Rate lock guarantee |
| GEICO | $270/mo | $3,235/yr | Clean driving record |
| Progressive | $289/mo | $3,472/yr | Telematics savings |
| State Farm | $299/mo | $3,590/yr | Good students |
| Travelers | $312/mo | $3,748/yr | Multiple discounts |
| Nationwide | $342/mo | $4,103/yr | Bundling home + auto |
| Farmers | $355/mo | $4,261/yr | Signal telematics |
| Allstate | $368/mo | $4,418/yr | Accident forgiveness |
| Liberty Mutual | $388/mo | $4,655/yr | New car replacement |
USAACheapest
Monthly
$243/mo
Annual
$2,919/yr
Best for: Military families
Erie Insurance
Monthly
$260/mo
Annual
$3,117/yr
Best for: Rate lock guarantee
GEICO
Monthly
$270/mo
Annual
$3,235/yr
Best for: Clean driving record
Progressive
Monthly
$289/mo
Annual
$3,472/yr
Best for: Telematics savings
State Farm
Monthly
$299/mo
Annual
$3,590/yr
Best for: Good students
Travelers
Monthly
$312/mo
Annual
$3,748/yr
Best for: Multiple discounts
Nationwide
Monthly
$342/mo
Annual
$4,103/yr
Best for: Bundling home + auto
Farmers
Monthly
$355/mo
Annual
$4,261/yr
Best for: Signal telematics
Allstate
Monthly
$368/mo
Annual
$4,418/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$388/mo
Annual
$4,655/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Toyota Highlander Insurance by Age in Florida
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $1,256/mo | $15,070/yr |
| 19 years old | $759/mo | $9,113/yr |
| 21 years old | $605/mo | $7,259/yr |
| 25 years old | $398/mo | $4,773/yr |
| 30 years old | $329/mo | $3,945/yr |
| 40 years old | $309/mo | $3,708/yr |
| 50 years old | $299/mo | $3,590/yr |
| 65 years old | $326/mo | $3,906/yr |