Toyota Highlander Insurance in New Jersey (2026)
Quick Answer
Full coverage for a 2024 Toyota Highlander in New Jersey costs $252/month ($3,024/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Toyota Highlander Rates by Company in New Jersey
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $186/mo | $2,238/yr | Military families |
| Erie Insurance | $199/mo | $2,389/yr | Rate lock guarantee |
| GEICO | $207/mo | $2,480/yr | Clean driving record |
| Progressive | $222/mo | $2,661/yr | Telematics savings |
| State Farm | $229/mo | $2,752/yr | Good students |
| Travelers | $239/mo | $2,873/yr | Multiple discounts |
| Nationwide | $262/mo | $3,145/yr | Bundling home + auto |
| Farmers | $272/mo | $3,266/yr | Signal telematics |
| Allstate | $282/mo | $3,387/yr | Accident forgiveness |
| Liberty Mutual | $297/mo | $3,568/yr | New car replacement |
USAACheapest
Monthly
$186/mo
Annual
$2,238/yr
Best for: Military families
Erie Insurance
Monthly
$199/mo
Annual
$2,389/yr
Best for: Rate lock guarantee
GEICO
Monthly
$207/mo
Annual
$2,480/yr
Best for: Clean driving record
Progressive
Monthly
$222/mo
Annual
$2,661/yr
Best for: Telematics savings
State Farm
Monthly
$229/mo
Annual
$2,752/yr
Best for: Good students
Travelers
Monthly
$239/mo
Annual
$2,873/yr
Best for: Multiple discounts
Nationwide
Monthly
$262/mo
Annual
$3,145/yr
Best for: Bundling home + auto
Farmers
Monthly
$272/mo
Annual
$3,266/yr
Best for: Signal telematics
Allstate
Monthly
$282/mo
Annual
$3,387/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$297/mo
Annual
$3,568/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 New Jersey
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $963/mo | $11,552/yr |
| 19 years old | $582/mo | $6,985/yr |
| 21 years old | $464/mo | $5,564/yr |
| 25 years old | $305/mo | $3,659/yr |
| 30 years old | $252/mo | $3,024/yr |
| 40 years old | $237/mo | $2,843/yr |
| 50 years old | $229/mo | $2,752/yr |
| 65 years old | $250/mo | $2,994/yr |