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2015 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 2015 Toyota 4Runner are $1,214 a year including full coverage. Comprehensive insurance costs around $270 each year, collision costs $424, and liability coverage costs $384. Buying a liability-only policy costs as little as $432 a year, with high-risk insurance costing $2,614 or more. Teenage drivers receive the highest rates at $4,516 a year or more.

Annual premium for full coverage: $1,214

Rate estimates for 2015 Toyota 4Runner Insurance

Comprehensive $270
Collision $424
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 $432 for just liability insurance to a high rate of $2,614 for a driver who has had serious violations or accidents.

Liability Only $432
Full Coverage $1,214
High Risk $2,614

View Chart as Image

2015 Toyota 4Runner insurance rates compared
Column chart showing 2015 Toyota 4Runner insurance prices range from $705 to $4,516 for full coverage

These differences highlight why all drivers should compare rates for a specific zip code and risk profile, rather than 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 2015 Toyota 4Runner Insurance

Searching Companies

Looking for lower insurance coverage rates for your Toyota 4Runner? Feel like you’re a prisoner to high-priced insurance coverage? Trust us when we tell you there are lots of people in the same boat.

Popular companies such as State Farm, Progressive and GEICO promote their brand names with ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for a substantially lower rate.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts may not be available in your state.

Finding Car Insurance Deals

There are several ways of comparing price quotes from different insurance companies. The easiest way by far to find competitive 2015 Toyota 4Runner insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for each company you want a rate for. One form will get you price quotes from multiple low-cost companies.

A more difficult way to compare prices is spending the time to visit the website for every company you want to comare to request a price quote. For instance, let’s assume you want rates from Allstate, Farmers and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use the exact same coverages on every quote. If you are comparing unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Just a small difference in coverages could mean much higher rates. And when comparing car insurance rates, know that comparing more company’s prices helps locate a better price.

Parts of the Toyota 4Runner rate equation

Consumers need to have an understanding of some of the elements that come into play when calculating insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to better insurance rates.

The list below includes some of the items that factor into prices.

  • Where do you drive? – The more you drive in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your 4Runner may be costing you. Verify your insurance policy is rated on the correct driver usage, because it can save money.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Toyota earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Toyota from damage. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the lower your rates will be on 4Runner insurance.
  • Don’t let your coverage lapse – Allowing your insurance policy to lapse is a fast way to bump up your insurance costs. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.

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Situations that might require an agent

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • Does my car insurance cover rental cars?
  • If my 2015 Toyota 4Runner is totaled, can I afford another vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have newly-acquired coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • What is no-fault insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, nursing services and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding, falling objects, hail damage and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your 4Runner caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

The bottom line

The cheapest 2015 Toyota 4Runner insurance can be purchased both online and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just covered a lot of techniques to get a better price on insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage only to regret they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest price.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $1,914
Los Angeles, CA $2,076
Philadelphia, PA $1,618
Jacksonville, FL $1,759
Phoenix, AZ $1,408
Chicago, IL $1,627
Houston, TX $1,903
Seattle, WA $1,179
Columbus, OH $1,009
Indianapolis, IN $1,035

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,516
20 $2,770
30 $1,264
40 $1,214
50 $1,110
60 $1,088

Full coverage, $500 deductibles

Rates by Deductible

2015 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,518
$250 $1,378
$500 $1,214
$1,000 $1,058

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,214
50/100 $1,291
100/300 $1,387
250/500 $1,636
100 CSL $1,329
300 CSL $1,540
500 CSL $1,694

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,440
20 $4,410
30 $2,668
40 $2,614
50 $2,490
60 $2,466

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $78
Paid in Full/EFT $54
Advance Quote $59
Online Quote $86
Total Discounts $509
Rate after discounts $705

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

Find companies with the cheapest rates in your area

2015 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $1,096
Alaska $932
Arizona $1,006
Arkansas $1,214
California $1,384
Colorado $1,158
Connecticut $1,246
Delaware $1,372
Florida $1,516
Georgia $1,122
Hawaii $872
Idaho $824
Illinois $904
Indiana $916
Iowa $818
Kansas $1,152
Kentucky $1,658
Louisiana $1,796
Maine $748
Maryland $1,002
Massachusetts $968
Michigan $2,108
Minnesota $1,018
Mississippi $1,454
Missouri $1,076
Montana $1,302
Nebraska $956
Nevada $1,456
New Hampshire $874
New Jersey $1,356
New Mexico $1,074
New York $1,276
North Carolina $698
North Dakota $996
Ohio $834
Oklahoma $1,246
Oregon $1,112
Pennsylvania $1,156
Rhode Island $1,618
South Carolina $1,102
South Dakota $1,024
Tennessee $1,062
Texas $1,464
Utah $898
Vermont $828
Virginia $726
Washington $936
West Virginia $1,114
Wisconsin $840
Wyoming $1,080

Free Auto Insurance Comparison

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