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2020 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: Apr 9, 2020

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Average insurance rates for a 2020 Toyota 4Runner are $1,312 a year with full coverage. Comprehensive costs around $332, collision costs $512, and liability costs $332. Buying a liability-only policy costs as little as $388 a year, with high-risk insurance costing around $2,804. Teen drivers receive the highest rates at $4,702 a year or more.

Annual premium for full coverage: $1,312

Rate estimates for 2020 Toyota 4Runner Insurance

Comprehensive $332
Collision $512
Liability $332

Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 the average driver, prices range go from as low as $388 for only liability insurance to a much higher rate of $2,804 for a driver that may need high-risk insurance.

Liability Only $388
Full Coverage $1,312
High Risk $2,804

View Chart as Image

2020 Toyota 4Runner insurance rates compared
Column chart showing 2020 Toyota 4Runner insurance prices range from $758 to $4,702 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 using 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 2020 Toyota 4Runner Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Toyota 4Runner? Tired of being strong-armed to buy car insurance? You are in the same boat as the majority of other people. Because you have many car insurance companies to choose from, it is very difficult to locate the best company.

Finding the best rates is quite easy. If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. Drivers only need an understanding of how to shop over the internet.

How to lower your insurance coverage cost

There are a variety of methods to shop for insurance coverage, but there is one way that is more efficient than others. You can waste hours talking to agents in your area, or you can utilize online quotes to get prices fast.

Many companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company returns a rated price determined by their information. This saves time by eliminating form submissions for each company.

To enter your information into the quoting system, enter your zip code here.

The one downside to using this type of form is you are unable to specify which companies you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just try to keep apples-to-apples coverages and limits for each comparison quote. If you use differing limits it will be very difficult to determine which rate is truly the best.

Auto insurance companies offer lots of discounts

Some insurers do not list every possible discount in an easy-to-find place, so we took the time to find a few of the more well known and the more hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save a little off the personal injury premium cost.
  • Theft Deterent System – Vehicles with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Discounts for New Vehicles – Insuring a new car can save up to 30% due to better safety requirements for new model year vehicles.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help lower your policy premiums.

A few of the larger companies and a partial list of their discounts are detailed below.

  • Esurance may have discounts that include claim free, multi-policy, renters, defensive driver, anti-theft, safety device, and anti-lock brakes.
  • The Hartford has savings for air bag, defensive driver, bundle, anti-theft, and vehicle fuel type.
  • AAA policyholders can earn discounts including pay-in-full, multi-policy, good driver, anti-theft, education and occupation, and good student.
  • GEICO may include discounts for multi-vehicle, five-year accident-free, driver training, defensive driver, anti-lock brakes, and multi-policy.
  • State Farm offers discounts including safe vehicle, accident-free, good student, defensive driving training, driver’s education, passive restraint, and Steer Clear safe driver discount.

Check with all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To choose auto insurance companies who offer cheap auto insurance quotes, enter your zip code here.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • What should my uninsured motorist coverage limits be in my state?
  • Is there coverage for injuries to my pets?
  • Am I covered by my spouse’s policy after a separation?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, a broken windshield and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, pain and suffering and court costs. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, funeral costs, dental work, prosthetic devices and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

Some companies may not provide online price quotes and many times these regional carriers work with independent insurance agents. Budget-conscious 2020 Toyota 4Runner insurance can be bought online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

More detailed auto insurance information is located in the articles below:

Rates by U.S. City

2020 Toyota 4Runner Insurance Rates by City
City Premium
New York City, NY $2,067
Los Angeles, CA $2,241
Philadelphia, PA $1,750
Jacksonville, FL $1,898
Phoenix, AZ $1,520
Chicago, IL $1,753
Houston, TX $2,054
Seattle, WA $1,273
Columbus, OH $1,091
Indianapolis, IN $1,116

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2020 Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,702
20 $2,972
30 $1,376
40 $1,312
50 $1,194
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

2020 Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,680
$250 $1,512
$500 $1,312
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,312
50/100 $1,378
100/300 $1,461
250/500 $1,677
100 CSL $1,412
300 CSL $1,594
500 CSL $1,727

Full coverage, driver age 40

Rates for High Risk Drivers

2020 Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,724
20 $4,720
30 $2,878
40 $2,804
50 $2,670
60 $2,644

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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $61
Advance Quote $64
Online Quote $94
Total Discounts $554
Rate after discounts $758

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

Find companies with the cheapest rates in your area

2020 Toyota 4Runner Insurance Rates by State
State Premium
Alabama $1,184
Alaska $1,006
Arizona $1,086
Arkansas $1,312
California $1,494
Colorado $1,250
Connecticut $1,346
Delaware $1,480
Florida $1,636
Georgia $1,212
Hawaii $940
Idaho $888
Illinois $974
Indiana $988
Iowa $884
Kansas $1,244
Kentucky $1,788
Louisiana $1,938
Maine $810
Maryland $1,082
Massachusetts $1,044
Michigan $2,276
Minnesota $1,098
Mississippi $1,568
Missouri $1,164
Montana $1,408
Nebraska $1,032
Nevada $1,570
New Hampshire $944
New Jersey $1,466
New Mexico $1,158
New York $1,378
North Carolina $754
North Dakota $1,074
Ohio $902
Oklahoma $1,344
Oregon $1,200
Pennsylvania $1,250
Rhode Island $1,748
South Carolina $1,188
South Dakota $1,106
Tennessee $1,148
Texas $1,580
Utah $970
Vermont $896
Virginia $784
Washington $1,010
West Virginia $1,202
Wisconsin $906
Wyoming $1,168

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