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2005 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 3, 2020

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Average insurance rates for a 2005 Toyota 4Runner are $884 a year with full coverage. Comprehensive costs around $168 a year, collision costs $182, and liability costs around $398. Buying a liability-only policy costs as low as $444 a year, with high-risk insurance costing around $1,882. Teenage drivers receive the highest rates at $3,484 a year or more.

Annual premium for full coverage: $884

Rate estimates for 2005 Toyota 4Runner Insurance

Comprehensive $168
Collision $182
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 $444 for just liability coverage to a high of $1,882 for a high risk driver.

Liability Only $444
Full Coverage $884
High Risk $1,882

View Chart as Image

2005 Toyota 4Runner insurance rates compared
Column chart showing 2005 Toyota 4Runner insurance prices range from $540 to $3,484 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a specific zip code and risk profile, instead of using 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 2005 Toyota 4Runner Insurance

Searching Companies

Searching for lower auto insurance rates for your Toyota 4Runner? Have you fallen victim to high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as State Farm, Progressive and GEICO increase brand awareness with advertising and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not rocket science. But vehicle owners can benefit from knowing the way companies sell insurance online because it can help you find the best coverage.

The most recommended method to get policy rate comparisons is to understand most insurance companies have advanced systems to compare rate quotes. All you need to do is take a few minutes to give details like your general credit rating, whether your vehicle is owned or leased, whether the vehicles are used for commuting, and your education level. That rating information is automatically sent to multiple top-rated companies and they respond with quotes very quickly.

To start a quote now, click here then complete the form.

Factors determining your Toyota 4Runner insurance premium

It’s important that you understand the rating factors that help determine the price you pay for insurance coverage. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate premiums.

  • High credit ratings translate to low rates – Your credit score is a large factor in determining your rates. So if your credit is lower than you’d like, you could save money insuring your 2005 Toyota 4Runner by improving your rating. People with excellent credit tend to be more responsible than those with poor credit.
  • Too many insurance coverage claims drive up costs – If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies provide lower rates to insureds who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Toyota has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Men fork out a little more – Statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Women and men are in accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Extra coverages can waste money – There are a lot of add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for vanishing deductibles, accidental death and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.

How to save on 2005 Toyota 4Runner insurance

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked for before they will apply.

  • Senior Discount – Mature drivers may receive a small decrease in premiums for 4Runner insurance.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Memberships – Participating in certain professional organizations may earn a discount when buying insurance coverage for 4Runner insurance.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • E-sign – A handful of insurance companies will give a small break just for signing your application online.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

Companies that may offer these benefits include:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Does coverage extend to my business vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do all my vehicles need collision coverage?
  • How much liability coverage do I need in my state?
  • Are my tools covered if they get stolen from my vehicle?

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If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Liability coverage

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for things like chiropractic care, prosthetic devices, surgery, EMT expenses and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, falling objects and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Toyota 4Runner.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

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

Collision coverage protects against things such as crashing into a ditch, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Saving money makes a lot of cents

You just learned some good ideas how to get a better price on 2005 Toyota 4Runner insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from an unexpected company. Some small companies often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate.

Additional insurance information is located at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $1,392
Los Angeles, CA $1,509
Philadelphia, PA $1,176
Jacksonville, FL $1,278
Phoenix, AZ $1,025
Chicago, IL $1,184
Houston, TX $1,383
Seattle, WA $859
Columbus, OH $736
Indianapolis, IN $750

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $3,484
20 $1,990
30 $900
40 $884
50 $812
60 $794

Full coverage, $500 deductibles

Rates by Deductible

2005 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,032
$250 $964
$500 $884
$1,000 $804

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $884
50/100 $964
100/300 $1,063
250/500 $1,322
100 CSL $1,003
300 CSL $1,222
500 CSL $1,382

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $4,908
20 $3,166
30 $1,900
40 $1,882
50 $1,796
60 $1,778

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 $115

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $53
5-yr Claim Free $55
Paid in Full/EFT $32
Advance Quote $38
Online Quote $60
Total Discounts $344
Rate after discounts $540

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

Find companies with the cheapest rates in your area

2005 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $798
Alaska $678
Arizona $732
Arkansas $884
California $1,006
Colorado $842
Connecticut $906
Delaware $998
Florida $1,102
Georgia $816
Hawaii $634
Idaho $598
Illinois $658
Indiana $664
Iowa $596
Kansas $838
Kentucky $1,204
Louisiana $1,306
Maine $546
Maryland $728
Massachusetts $702
Michigan $1,532
Minnesota $740
Mississippi $1,058
Missouri $782
Montana $946
Nebraska $694
Nevada $1,060
New Hampshire $636
New Jersey $988
New Mexico $778
New York $928
North Carolina $508
North Dakota $724
Ohio $608
Oklahoma $904
Oregon $810
Pennsylvania $840
Rhode Island $1,178
South Carolina $800
South Dakota $746
Tennessee $770
Texas $1,064
Utah $652
Vermont $602
Virginia $526
Washington $682
West Virginia $810
Wisconsin $610
Wyoming $786

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