Toyota 4Runner Insurance Rates

Looking for affordable Toyota 4Runner insurance rates? The average 4Runner insurance costs are $111 per month or $1,332 annually. 

Are Toyotas more expensive to insure than other vehicle models? Lots of variables impact your car insurance rates besides what brand of vehicle you drive.

For example, experienced drivers with perfect driving records will receive cheap car insurance quotes easier than younger drivers. 

Model year is one factor that will impact insurance rates. 2020 Toyota 4Runner car insurance costs will be higher than 2004 Toyota 4Runner car insurance costs.

Whether you drive a used Toyota 4Runner or are considering buying a brand new Toyota 4Runner 2021 model, read through our comprehensive guide to better understand how your car insurance rates are calculated. 

Before you buy Toyota 4Runner auto insurance, shop around. We can help you find affordable Toyota 4Runner car insurance rates from multiple companies.

Ready to find out how much you should pay for a 4Runner? Enter your five-digit ZIP code into our FREE quote comparison tool above to compare the best Toyota 4Runner car insurance rates.

Estimated insurance prices for a Toyota 4Runner are $914 every 12 months for full coverage insurance. Comprehensive costs on average $174 each year, collision costs $202, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $1,950. Teenage drivers pay the most at $3,590 a year or more.

Average premium for full coverage: $914

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and 4Runner models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates estimated Toyota 4Runner insurance rates for different risk profiles and scenarios.

• The best discount rate is $555
• Using higher $1,000 deductibles will save around $86 each year
• The average price for a 40-year-old good driver with $500 deductibles is $914
• Using low deductibles for physical damage coverage increases the price to $1,074
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,950 or more
• An auto insurance policy to insure a teenage driver may cost $3,590 or more

View Chart as Image

Insurance prices for a Toyota 4Runner also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your 4Runner.

Using high physical damage deductibles could cut prices by as much as $250 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,500 additional annually, depending on your age. Insurance for high-risk drivers can be around 42% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota 4Runner insurance rates. A driver around age 40 might see prices as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,230 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for More Affordable Toyota 4Runner Insurance

Finding better rates on auto insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from several local insurance agents.

The next list is a summary of the information touched on in the above illustrations.

• It is possible to save as much as $100 per year simply by quoting online in advance
• Drivers age 20 and younger pay higher prices, with premiums being up to $299 per month if full coverage is included
• Increasing policy deductibles could save as much as $250 each year
• Drivers who have multiple accidents or major violations pay on average $1,040 more each year to buy Toyota 4Runner insurance
• Consumers who require increased levels of liability coverage will pay an extra $440 annually to increase from 30/60 bodily injury limits to a 250/500 level

Is a Toyota 4Runner worth the money? As you’ve learned from the information above, many factors impact your overall insurance rates. If you found a Toyota 4Runner for sale, you can lower your insurance premiums by comparison shopping, and seeking out discounts.

Whether you drive a Toyota 4Runner TRD Pro or are looking for cheap 2003 4Runner insurance costs for your teen driver, enter your ZIP code into our FREE quote tool below to start comparing affordable rates. 

What are the safety ratings for the Toyota 4Runner?

Understanding the Toyota 4Runner safety ratings can help you see what car insurance discounts your vehicle might qualify for. Poor ratings can sometimes reveal why your premiums are higher than average. 

Check out the Toyota 4Runner 2020 safety ratings below. 

• Small overlap front (driver-side): Moderate
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights for this SUV scored poorly, and the vehicle did receive one ‘Moderate’ review. 

Overall, these safety ratings are just okay, but fortunately, this should not cause your car insurance premiums to increase. 

Toyota 4Runner Crash Test Ratings

Good crash test ratings mean cheaper insurance rates, as drivers are better protected in a crash.

Toyota 4Runner Crash Test Ratings 

The Toyota 4Runner did not do great in the rollover crash tests, as it only earned 3-star ratings.

Toyota 4Runner Insurance Loss Probability

Low insurance loss probabilities mean lower rates, while high insurance loss probabilities mean higher insurance rates. Take a look at the Toyota 4Runner’s insurance loss probabilities below.

Toyota 4Runner Insurance Loss Probability

The Toyota 4Runner has great insurance loss probabilities, as they are all negative.

Toyota 4Runner Compared Against other Vehicles in the Same Class

Comparing the Toyota 4Runner to similar vehicles can help you save money, especially if the Toyota 4Runner has better insurance loss ratios across the board than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies the 4Runner as a midsize SUV. Take a look at some other comparable midsize SUVs in the list below.

• Honda Pilot
• Jeep Cherokee
• Nissan Pathfinder

Overall, the Toyota 4Runner’s loss ratios are average or better than average. Specifically, the collision, comprehensive, personal injury, and medical payment loss ratios for this vehicle are all better than average. This will reflect positively in your annual car insurance rates. 

You are now an expert on finding cheap Toyota 4Runner insurance costs. Is Toyota 4Runner a good car for you? If so, make sure you’re getting the cheapest car insurance rates possible. 

Enter your five-digit ZIP code into our FREE quote tool to start immediately comparing rates from multiple Toyota 4Runner auto insurance companies.

References: 

1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
2. https://www.nhtsa.gov/ratings