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1997 Toyota 4Runner Insurance Rates

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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 ...

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UPDATED: Mar 2, 2020

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Average insurance rates for a 1997 Toyota 4Runner are $808 a year with full coverage. Comprehensive costs on average $144 each year, collision costs $152, and liability costs $376. Buying a liability-only policy costs as little as $426 a year, with high-risk insurance costing around $1,718. Teenage drivers receive the highest rates at $3,228 a year or more.

Annual premium for full coverage: $808

Rate estimates for 1997 Toyota 4Runner Insurance

Comprehensive $144
Collision $152
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1997 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 middle-aged driver, prices range go from as low as $426 for just liability insurance to a high rate of $1,718 for a high risk driver.

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

View Chart as Image

1997 Toyota 4Runner insurance rates compared
Column chart showing 1997 Toyota 4Runner insurance prices range from $500 to $3,228 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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 1997 Toyota 4Runner Insurance

Searching Companies

Want better insurance rates for your Toyota 4Runner? Shopping for affordable insurance over the internet can seem to be somewhat difficult for consumers new to shopping for insurance online. With such a large number of companies competing online, how can drivers possibly compare every company to locate the cheapest available price?

This information will teach you how to effectively get price quotes. If you are paying for car insurance now, you will most likely be able to save some money using this information. Although vehicle owners benefit from understanding the way insurance companies market on the web and use this information to your advantage.

Cut your insurance coverage rates with discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few need to be asked for prior to receiving the credit.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for 4Runner coverage with certain companies.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more if you qualify.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers with discount insurance coverage rates, click this link.

You are unique and your auto insurance should be too

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • Am I covered when driving a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving in Canada or Mexico?
  • How much liability coverage do I need in my state?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage on my 1997 Toyota 4Runner?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Free Auto Insurance Comparison

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Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, funeral costs, rehabilitation expenses, nursing services and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

This coverage pays for damage to your 4Runner caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota 4Runner.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, fire damage, a tree branch falling on your vehicle and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damage or injury you incur to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, medical services, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Final thoughts

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented many ways to get a better price on 1997 Toyota 4Runner insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company.

Consumers switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, lack of trust in their agent or even high prices. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

For more information, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1997 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

1997 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

1997 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

1997 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

1997 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

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