Toyota 4Runner Limited 4WD Insurance Rates

Average auto insurance rates for a Toyota 4Runner Limited 4WD are $1,432 annually for full coverage insurance. Comprehensive insurance costs around $382, collision costs $604, and liability insurance costs around $310. Only liability insurance costs as low as $370 a year, with high-risk insurance costing $3,060 or more. Teen drivers receive the highest rates at $5,032 a year or more.

Annual premium for full coverage: $1,432

Rate estimates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota 4Runner Trim Level

These differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Toyota 4Runner Limited 4WD can also vary considerably based on the model year of your 4Runner, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,700 to $2,200 extra per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $660 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $279 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota 4Runner Limited 4WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.

View Chart as Image

The chart estimates Toyota 4Runner Limited 4WD insurance prices for different situations. The lowest price with discounts is $819. Drivers who choose higher $1,000 deductibles will pay about $1,206. The average price for a driver age 40 with no violations using $500 deductibles is $1,432. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,862. High risk drivers could be charged as much as $3,060. The price for full coverage for a 16-year-old driver can be as high as $5,032.

View Chart as Image