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2013 Toyota 4Runner Insurance Rates

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

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 2013 Toyota 4Runner are $1,132 a year with full coverage. Comprehensive insurance costs around $248, collision costs $358, and liability costs $390. Buying a liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,432 or more. Teen drivers receive the highest rates at $4,262 a year or more.

Annual premium for full coverage: $1,132

Rate estimates for 2013 Toyota 4Runner Insurance

Comprehensive $248
Collision $358
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 go from as low as $438 for basic liability insurance to a much higher rate of $2,432 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,132
High Risk $2,432

View Chart as Image

2013 Toyota 4Runner insurance rates compared
Column chart showing 2013 Toyota 4Runner insurance prices range from $665 to $4,262 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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 2013 Toyota 4Runner Insurance

Searching Companies

Want better insurance rates? Drivers have a choice when trying to find the lowest priced Toyota 4Runner insurance. You can either spend your time struggling with agents to compare prices or use the internet to compare rates.

There is a right way and a wrong way to find insurance online and you need to know the best way to get price quotes on a Toyota and find the lowest possible price.

Verify you’re getting all your discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Most are applied when you purchase, but some must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you are throwing money away.

  • Auto/Life Discount – Larger companies have better rates if you take out life insurance from them.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you can get free auto insurance, you won’t be that lucky. But any discount will reduce your premiums.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Finding Auto Insurance

Lowering your 2013 Toyota 4Runner auto insurance rates is surprisingly easy. Just invest a little time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form eliminates the need for repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets rate comparisons instantly. It’s definitely the quickest method.
  2. A harder way to find lower rates requires visiting each company’s website and fill out their own quote form. For examples sake, we’ll assume you want to compare Auto-Owners, Progressive and GEICO. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same information for every quote you compare. If your comparisons have different values for each quote it will be very difficult to determine the best price for your Toyota 4Runner.

When should I talk to an agent?

When choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether you will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to a rental car in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need roadside assistance coverage?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Free Auto Insurance Comparison

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Learn about auto insurance coverages for a 2013 Toyota 4Runner

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, court costs and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2013 Toyota 4Runner.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This coverage covers damage to your 4Runner resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a money saver!

Affordable 2013 Toyota 4Runner insurance can be sourced on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

People switch companies for a number of reasons such as delays in paying claims, poor customer service, questionable increases in premium and even high rates after DUI convictions. Whatever your reason, switching companies is not as difficult as it may seem.

In this article, we presented some good ideas how you can lower your insurance rates. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a smaller regional carrier.

More resources

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $1,791
Los Angeles, CA $1,938
Philadelphia, PA $1,512
Jacksonville, FL $1,643
Phoenix, AZ $1,316
Chicago, IL $1,523
Houston, TX $1,776
Seattle, WA $1,101
Columbus, OH $946
Indianapolis, IN $965

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,262
20 $2,576
30 $1,176
40 $1,132
50 $1,038
60 $1,016

Full coverage, $500 deductibles

Rates by Deductible

2013 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,396
$250 $1,276
$500 $1,132
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,132
50/100 $1,210
100/300 $1,308
250/500 $1,561
100 CSL $1,249
300 CSL $1,464
500 CSL $1,620

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,062
20 $4,100
30 $2,480
40 $2,432
50 $2,320
60 $2,296

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 $153

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $77
5-yr Claim Free $72
Paid in Full/EFT $48
Advance Quote $53
Online Quote $80
Total Discounts $467
Rate after discounts $665

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

Find companies with the cheapest rates in your area

2013 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $1,024
Alaska $868
Arizona $940
Arkansas $1,132
California $1,292
Colorado $1,082
Connecticut $1,164
Delaware $1,282
Florida $1,416
Georgia $1,050
Hawaii $814
Idaho $766
Illinois $846
Indiana $854
Iowa $764
Kansas $1,076
Kentucky $1,548
Louisiana $1,676
Maine $702
Maryland $936
Massachusetts $902
Michigan $1,966
Minnesota $950
Mississippi $1,358
Missouri $1,006
Montana $1,218
Nebraska $892
Nevada $1,358
New Hampshire $818
New Jersey $1,266
New Mexico $1,002
New York $1,194
North Carolina $654
North Dakota $930
Ohio $782
Oklahoma $1,164
Oregon $1,038
Pennsylvania $1,080
Rhode Island $1,512
South Carolina $1,028
South Dakota $956
Tennessee $992
Texas $1,366
Utah $840
Vermont $776
Virginia $678
Washington $874
West Virginia $1,038
Wisconsin $782
Wyoming $1,010

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