Toyota Highlander Insurance Cost in Illinois
Official 2026 rate study for insuring a Toyota Highlander in Illinois (IL). Compare full coverage against state minimum liability (25/50/20), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Toyota Highlander in Illinois (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Illinois Auto Insurance Index)
Toyota Highlander Rates by Model Year in Illinois
Depreciation schedule calculated for Illinois insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,178 | $98/mo | $41/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,134 | $95/mo | $42/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,092 | $91/mo | $42/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,053 | $88/mo | $43/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,017 | $85/mo | $43/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $983 | $82/mo | $43/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $951 | $79/mo | $44/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $922 | $77/mo | $44/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $894 | $75/mo | $45/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $868 | $72/mo | $45/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $844 | $70/mo | $45/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $821 | $68/mo | $46/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $800 | $67/mo | $46/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $780 | $65/mo | $47/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $762 | $64/mo | $47/mo | -35% | Consider 10% Rule (Liability Only) |
Toyota Highlander Rates by Driver Age in Illinois
Actuarial loss-cost surcharges and discounts applied by Illinois carriers based on driver experience.
Estimated Quotes by Carrier: Toyota Highlander in Illinois
Sample underwriting benchmarks across major carriers serving Illinois drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $104/mo | $1,248/yr | |
| Progressive | A+ | $107/mo | $1,284/yr | |
| GEICO | A++ | $98/mo | $1,176/yr | |
| Allstate | A+ | $102/mo | $1,224/yr |
Frequently Asked Questions: Toyota Highlander Insurance in Illinois
How much does it cost to insure a Toyota Highlander in Illinois? ▾
Full-coverage car insurance for a Toyota Highlander in Illinois averages approximately $98 per month ($1,178 per year). Drivers opting for statutory state minimum liability (25/50/20) pay approximately $41 per month ($495 per year).
Is Toyota Highlander insurance cheaper or more expensive in Illinois? ▾
The Toyota Highlander is approximately 33.8% cheaper than the statewide average vehicle insurance rate of $1,780/year in Illinois. Its Low actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Toyota Highlander in Illinois? ▾
Under Illinois insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage liability (25/50/20).
How much does a 16-year-old pay to insure a Toyota Highlander in Illinois? ▾
A 16-year-old teen driver on a standalone policy pays approximately $245/month ($2,945/year) for full coverage in Illinois. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Toyota Highlander in Illinois? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Illinois, this typically occurs around model year 2018 or older.
Compare Toyota Highlander Insurance Across Other States
See how insurance rates for the Toyota Highlander vary across different state statutory jurisdictions.