Born and raised in Cambridge, Massachusetts, United States, Higgins initially studied privately with his mother. He started his professional career in Chicago, Illinois, while studying at the Northwestern University School of Music. An elegant and sophisticated pianist, his encyclopedic harmonic approach and wide range of his repertory made him one of the most distinctive jazz pianists to come out of Chicago, gaining the respect of local and visiting musicians for his notable mastery of the instrument. Higgins also had the unusual ability to sound equally persuasive in a broad span of music, whether he was playing traditional swing, exciting bebop or reflective ballads, providing the tone and stylistic flavor of each style, both as soloist and accompanist.