1. Vehicles
  2. Toyota
  3. 4Runner
  4. 1993 Model Year

1993 Toyota 4Runner Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 1993 Toyota 4Runner are $808 a year for full coverage. Comprehensive insurance costs approximately $144 a year, collision insurance costs $152, and liability costs $376. Buying a liability-only policy costs as little as $426 a year, and high-risk insurance costs $1,718 or more. Teen drivers receive the highest rates at up to $3,228 a year.

Annual premium for full coverage: $808

Rate estimates for 1993 Toyota 4Runner Insurance

Comprehensive $144
Collision $152
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1993 Toyota 4Runner models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $426 for a discount liability-only rate to a high of $1,718 for a driver who has had serious violations or accidents.

Liability Only $426
Full Coverage $808
High Risk $1,718

View Chart as Image

1993 Toyota 4Runner insurance rates compared
Column chart showing 1993 Toyota 4Runner insurance prices range from $500 to $3,228 for full coverage

These differences show why it is important for drivers to compare rates using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1993 Toyota 4Runner Insurance

Searching Companies

Are you a victim of an underperforming, overpriced insurance policy? Trust us, many consumers feel financially strained by their insurance policy. Drivers have multiple insurers to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to get the best deal.

How to Compare Insurance

There are a lot of ways to compare insurance prices but one way is less time-consuming than others. You could waste time driving to local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that data. This prevents consumers from doing quote requests for every insurance company.

To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is you cannot specify the insurers you want pricing from. If you prefer to choose specific providers for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare exactly the same deductibles and coverage limits for every quote you compare. If your comparisons have mixed coverages it will be impossible to determine the best price for your Toyota 4Runner.

How to save on 1993 Toyota 4Runner insurance

Companies do not advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on 4Runner coverage with select insurance companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • I have a DUI can I still get coverage?
  • Is there coverage for injuries to my pets?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is covered by UM/UIM coverage?
  • Is my 1993 Toyota 4Runner covered for flood damage?
  • Why do I need rental car insurance?

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Factors that might impact rates for a Toyota 4Runner

It’s important that you understand the rating factors that come into play when calculating insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get better insurance rates.

The list below includes some of the factors companies use to determine your rates.

  • Extra add-on coverages are wasting money – There are a lot of extra coverages you can purchase on your insurance policy. Coverages like vanishing deductibles, better glass coverage and term life insurance are some examples. They may seem good when talking to your agent, but if they’re wasting money get rid of them and save.
  • Where you live is a factor – Being located in small towns and rural areas can save you money when it comes to insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with traffic congestion and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Bundling policies can get discounts – Some insurance companies will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to comparison shop to ensure the best deal. Drivers may still find a better deal by buying insurance from a different company.
  • Your credit rating is important – Having a bad credit history is a big factor in determining what you pay for insurance. Therefore, if your credit is not that good, you could potentially save money when insuring your 1993 Toyota 4Runner by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores.
  • Save money with special equipment – Owning a car with an alarm system can get you a discount on your insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Claim-free discounts can add up – If you file claims often, you can definitely plan on higher rates. Companies provide better rates to people who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Never let your coverage lapse – Having an insurance coverage lapse is a quick way to pay more for insurance. And not only will your rates increase, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. They all seem to make the same claim that you’ll save big if you move to their company.

How can each company make the same claim?

All the different companies are able to cherry pick for the type of driver they prefer to insure. An example of a profitable customer might be profiled as between the ages of 40 and 55, owns a home, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will be charged a higher premium which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the savings. That is why drivers must get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Coverage for liability

Liability insurance will cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, pain and suffering, emergency aid and medical services. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, fire damage, hail damage and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Toyota 4Runner.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, funeral costs, doctor visits and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This will pay to fix damage to your 4Runner caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, rolling your car, crashing into a building, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

At the end of the day…

Low-cost 1993 Toyota 4Runner insurance is available both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We’ve covered quite a bit of information on how to save on insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest premiums are with a small mutual company. They often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Even more information can be read in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1993 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $1,272
Los Angeles, CA $1,380
Philadelphia, PA $1,075
Jacksonville, FL $1,169
Phoenix, AZ $935
Chicago, IL $1,080
Houston, TX $1,264
Seattle, WA $784
Columbus, OH $673
Indianapolis, IN $687

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1993 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $3,228
20 $1,824
30 $822
40 $808
50 $740
60 $726

Full coverage, $500 deductibles

Rates by Deductible

1993 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $934
$250 $878
$500 $808
$1,000 $738

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $808
50/100 $883
100/300 $977
250/500 $1,222
100 CSL $921
300 CSL $1,128
500 CSL $1,278

Full coverage, driver age 40

Rates for High Risk Drivers

1993 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $4,534
20 $2,896
30 $1,732
40 $1,718
50 $1,642
60 $1,622

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $104

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $40
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $49
Paid in Full/EFT $28
Advance Quote $34
Online Quote $54
Total Discounts $308
Rate after discounts $500

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1993 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $730
Alaska $618
Arizona $668
Arkansas $808
California $920
Colorado $770
Connecticut $828
Delaware $912
Florida $1,008
Georgia $746
Hawaii $580
Idaho $548
Illinois $600
Indiana $608
Iowa $542
Kansas $766
Kentucky $1,100
Louisiana $1,194
Maine $498
Maryland $666
Massachusetts $642
Michigan $1,402
Minnesota $676
Mississippi $966
Missouri $718
Montana $866
Nebraska $634
Nevada $966
New Hampshire $584
New Jersey $902
New Mexico $714
New York $848
North Carolina $464
North Dakota $662
Ohio $556
Oklahoma $828
Oregon $740
Pennsylvania $768
Rhode Island $1,078
South Carolina $732
South Dakota $680
Tennessee $708
Texas $972
Utah $596
Vermont $550
Virginia $484
Washington $622
West Virginia $740
Wisconsin $558
Wyoming $718

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles