Toyota Highlander Insurance in North Carolina (2026)
Quick Answer
Full coverage for a 2024 Toyota Highlander in North Carolina costs $119/month ($1,428/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Toyota Highlander Rates by Company in North Carolina
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $88/mo | $1,057/yr | Military families |
| Erie Insurance | $94/mo | $1,128/yr | Rate lock guarantee |
| GEICO | $98/mo | $1,171/yr | Clean driving record |
| Progressive | $105/mo | $1,257/yr | Telematics savings |
| State Farm | $108/mo | $1,299/yr | Good students |
| Travelers | $113/mo | $1,357/yr | Multiple discounts |
| Nationwide | $124/mo | $1,485/yr | Bundling home + auto |
| Farmers | $129/mo | $1,542/yr | Signal telematics |
| Allstate | $133/mo | $1,599/yr | Accident forgiveness |
| Liberty Mutual | $140/mo | $1,685/yr | New car replacement |
USAACheapest
Monthly
$88/mo
Annual
$1,057/yr
Best for: Military families
Erie Insurance
Monthly
$94/mo
Annual
$1,128/yr
Best for: Rate lock guarantee
GEICO
Monthly
$98/mo
Annual
$1,171/yr
Best for: Clean driving record
Progressive
Monthly
$105/mo
Annual
$1,257/yr
Best for: Telematics savings
State Farm
Monthly
$108/mo
Annual
$1,299/yr
Best for: Good students
Travelers
Monthly
$113/mo
Annual
$1,357/yr
Best for: Multiple discounts
Nationwide
Monthly
$124/mo
Annual
$1,485/yr
Best for: Bundling home + auto
Farmers
Monthly
$129/mo
Annual
$1,542/yr
Best for: Signal telematics
Allstate
Monthly
$133/mo
Annual
$1,599/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$140/mo
Annual
$1,685/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 North Carolina
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $455/mo | $5,455/yr |
| 19 years old | $275/mo | $3,299/yr |
| 21 years old | $219/mo | $2,628/yr |
| 25 years old | $144/mo | $1,728/yr |
| 30 years old | $119/mo | $1,428/yr |
| 40 years old | $112/mo | $1,342/yr |
| 50 years old | $108/mo | $1,299/yr |
| 65 years old | $118/mo | $1,414/yr |