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2008 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 2008 Toyota 4Runner are $984 a year for full coverage insurance. Comprehensive costs approximately $198, collision insurance costs $244, and liability insurance costs $406. Buying a liability-only policy costs as little as $450 a year, and high-risk insurance costs around $2,100. Teenage drivers receive the highest rates at up to $3,804 a year.

Annual premium for full coverage: $984

Rate estimates for 2008 Toyota 4Runner Insurance

Comprehensive $198
Collision $244
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 $450 for a discount liability-only rate to a much higher rate of $2,100 for a driver who has had serious violations or accidents.

Liability Only $450
Full Coverage $984
High Risk $2,100

View Chart as Image

2008 Toyota 4Runner insurance rates compared
Column chart showing 2008 Toyota 4Runner insurance prices range from $590 to $3,804 for full coverage

These differences illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying 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 2008 Toyota 4Runner Insurance

Searching Companies

Searching for cheaper auto insurance rates? Consumers have options when looking for the lowest priced Toyota 4Runner insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to shop for auto insurance so you’re going to learn the best way to quote coverages on a Toyota and get the lowest price from both online companies and local agents.

Get lower rates on Toyota 4Runner insurance

Car insurance companies don’t always list every available discount very well, so we took the time to find some of the more common and the more hidden insurance coverage savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Low Mileage – Keeping the miles down on your Toyota could qualify for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurers with discount insurance coverage rates, click this link.

The car insurance bait and switch

Consumers constantly see and hear ads for car insurance savings by 21st Century, Allstate and State Farm. They all have a common claim that you can save after switching to their company.

How do they all claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the right customer they prefer to insure. An example of a profitable customer could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements will be quoted a higher premium and ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much money. That’s why companies can advertise the way they do. This emphasizes why it is so important to get as many comparisons as possible. It’s not possible to predict which car insurance company will have the lowest Toyota 4Runner insurance rates.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Should I buy additional glass protection?
  • Does my 2008 Toyota 4Runner need full coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a blown tire covered by insurance?
  • Do I need replacement cost coverage?
  • What exactly is covered by my policy?

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If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like doctor visits, X-ray expenses, surgery and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage will pay to fix damage to your 4Runner from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox, colliding with a tree, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from a tornado or hurricane, damage from getting keyed and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage on a shoestring budget

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

People leave their current company for many reasons like unfair underwriting practices, not issuing a premium refund, lack of trust in their agent or even denial of a claim. Whatever your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Discount 2008 Toyota 4Runner insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. 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.

Helpful information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $1,551
Los Angeles, CA $1,680
Philadelphia, PA $1,308
Jacksonville, FL $1,422
Phoenix, AZ $1,140
Chicago, IL $1,318
Houston, TX $1,537
Seattle, WA $955
Columbus, OH $818
Indianapolis, IN $836

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $3,804
20 $2,222
30 $1,008
40 $984
50 $900
60 $880

Full coverage, $500 deductibles

Rates by Deductible

2008 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,172
$250 $1,086
$500 $984
$1,000 $882

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $984
50/100 $1,065
100/300 $1,167
250/500 $1,431
100 CSL $1,106
300 CSL $1,329
500 CSL $1,492

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $5,380
20 $3,534
30 $2,128
40 $2,100
50 $2,004
60 $1,982

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 $130

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $62
5-yr Claim Free $62
Paid in Full/EFT $38
Advance Quote $44
Online Quote $68
Total Discounts $394
Rate after discounts $590

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

Find companies with the cheapest rates in your area

2008 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $886
Alaska $754
Arizona $814
Arkansas $984
California $1,120
Colorado $936
Connecticut $1,006
Delaware $1,112
Florida $1,226
Georgia $906
Hawaii $706
Idaho $664
Illinois $732
Indiana $740
Iowa $662
Kansas $932
Kentucky $1,340
Louisiana $1,452
Maine $606
Maryland $808
Massachusetts $782
Michigan $1,702
Minnesota $824
Mississippi $1,176
Missouri $872
Montana $1,054
Nebraska $774
Nevada $1,176
New Hampshire $708
New Jersey $1,098
New Mexico $868
New York $1,034
North Carolina $566
North Dakota $806
Ohio $676
Oklahoma $1,006
Oregon $898
Pennsylvania $934
Rhode Island $1,310
South Carolina $890
South Dakota $828
Tennessee $858
Texas $1,182
Utah $726
Vermont $670
Virginia $588
Washington $758
West Virginia $900
Wisconsin $676
Wyoming $874

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