Toyota 4Runner Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

The average auto insurance rates for a Toyota 4Runner are $1,272 annually for full coverage insurance. Comprehensive costs approximately $298, collision costs $474, and liability costs around $364. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing around $2,736. Teenage drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,272

Policy rates by type of insurance:

Comprehensive $298
Collision $474
Liability $364

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different 4Runner trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota 4Runner insurance rates go from as cheap as $416 for just liability insurance to a much higher rate of $2,736 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,272
High Risk $2,736

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $954
Small Cities $1,336
Large Cities $1,717

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

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

More Rate Details

The chart below illustrates estimated Toyota 4Runner insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $735
  • Using higher $1,000 deductibles will save $176 each year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,272
  • Using more expensive low deductibles for physical damage coverage will cost $1,610
  • High-risk insureds who are prone to accidents and violations could pay around $2,736 or more
  • Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,662 or more

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance rates range from $735 to $4,662

Insurance rates for a Toyota 4Runner also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $520 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota 4Runner insurance prices. A driver around age 40 might see rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,720 on average in Florida, New York, and Michigan.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$124 -9.7%
Alaska $976 -$296 -23.3%
Arizona $1,054 -$218 -17.1%
Arkansas $1,272 -$0 0.0%
California $1,450 $178 14.0%
Colorado $1,212 -$60 -4.7%
Connecticut $1,304 $32 2.5%
Delaware $1,436 $164 12.9%
Florida $1,588 $316 24.8%
Georgia $1,176 -$96 -7.5%
Hawaii $914 -$358 -28.1%
Idaho $864 -$408 -32.1%
Illinois $948 -$324 -25.5%
Indiana $960 -$312 -24.5%
Iowa $856 -$416 -32.7%
Kansas $1,206 -$66 -5.2%
Kentucky $1,734 $462 36.3%
Louisiana $1,882 $610 48.0%
Maine $786 -$486 -38.2%
Maryland $1,052 -$220 -17.3%
Massachusetts $1,014 -$258 -20.3%
Michigan $2,208 $936 73.6%
Minnesota $1,066 -$206 -16.2%
Mississippi $1,524 $252 19.8%
Missouri $1,128 -$144 -11.3%
Montana $1,366 $94 7.4%
Nebraska $1,002 -$270 -21.2%
Nevada $1,524 $252 19.8%
New Hampshire $916 -$356 -28.0%
New Jersey $1,422 $150 11.8%
New Mexico $1,126 -$146 -11.5%
New York $1,338 $66 5.2%
North Carolina $732 -$540 -42.5%
North Dakota $1,042 -$230 -18.1%
Ohio $878 -$394 -31.0%
Oklahoma $1,304 $32 2.5%
Oregon $1,164 -$108 -8.5%
Pennsylvania $1,212 -$60 -4.7%
Rhode Island $1,694 $422 33.2%
South Carolina $1,154 -$118 -9.3%
South Dakota $1,074 -$198 -15.6%
Tennessee $1,112 -$160 -12.6%
Texas $1,532 $260 20.4%
Utah $940 -$332 -26.1%
Vermont $870 -$402 -31.6%
Virginia $760 -$512 -40.3%
Washington $982 -$290 -22.8%
West Virginia $1,164 -$108 -8.5%
Wisconsin $878 -$394 -31.0%
Wyoming $1,130 -$142 -11.2%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Toyota 4Runner Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota 4Runner Sport 2WD $1,164 $97
Toyota 4Runner SR/5 2WD $1,204 $100
Toyota 4Runner Sport 4WD $1,244 $104
Toyota 4Runner SR/5 4WD $1,244 $104
Toyota 4Runner Trail Edition 4WD $1,312 $109
Toyota 4Runner Limited 2WD $1,350 $113
Toyota 4Runner Limited 4WD $1,350 $113

Rates assume 2020 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.

Toyota 4Runner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota 4Runner $298 $474 $364 $1,272
2018 Toyota 4Runner $270 $424 $384 $1,214
2017 Toyota 4Runner $260 $400 $388 $1,184
2015 Toyota 4Runner $232 $330 $390 $1,088
2014 Toyota 4Runner $224 $310 $394 $1,064
2012 Toyota 4Runner $202 $268 $402 $1,008
2009 Toyota 4Runner $174 $202 $402 $914
2008 Toyota 4Runner $168 $182 $398 $884
2007 Toyota 4Runner $166 $178 $390 $870
2006 Toyota 4Runner $162 $168 $384 $850
2005 Toyota 4Runner $148 $160 $380 $824
2004 Toyota 4Runner $144 $152 $376 $808

Rates are averaged for all Toyota 4Runner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Toyota 4Runner Insurance

Finding cheaper rates on insurance for a Toyota 4Runner requires having a good driving record, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the data raised in the charts and tables above.

  • Insureds who purchase increased levels of liability coverage will pay an extra $400 annually to increase from a 30/60 limit to higher 250/500 limits
  • It is possible to save around $150 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $525 each year
  • Drivers age 20 and younger are expensive to insure, possibly costing $389 each month including comprehensive and collision insurance

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. 

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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 
Vehicle TestedOverallFrontalSideRollover
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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
Insurance Coverage CategoryLoss Rate
Collision-25%
Property Damage-8%
Comprehensive-17%
Personal Injury-24%
Medical Payment-34%
Bodily Injury-25%
Source: Insurance Institute for Highway Safety

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.

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

 

Rates by Driver Age

Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,902
30 $1,330
40 $1,272
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,454
$500 $1,272
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,272
50/100 $1,423
100/300 $1,514
250/500 $1,750
100 CSL $1,459
300 CSL $1,659
500 CSL $1,805

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,660
20 $4,614
30 $2,796
40 $2,736
50 $2,606
60 $2,582

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $82
Paid in Full/EFT $58
Advance Quote $62
Online Quote $91
Total Discounts $537
Rate after discounts $735

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

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