Toyota 4Runner SR/5 2WD Insurance Rates

U.S. average insurance rates for a Toyota 4Runner SR/5 2WD are $1,262 a year for full coverage. Comprehensive costs an estimated $340, collision costs $476, and liability costs $310. Just liability insurance costs as little as $370 a year, with coverage for high-risk drivers costing around $2,680. Teen drivers pay the highest rates at $4,474 a year or more.

Annual premium for full coverage: $1,262

Price estimates broken down by type of coverage:

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

Price Range for Insurance for this Toyota 4Runner Trim Level

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

These price ranges show why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance rates for a Toyota 4Runner SR/5 2WD are also quite variable based on your driving record, the model year of your 4Runner, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

The state you live in makes a big difference in Toyota 4Runner SR/5 2WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $550 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. Toyota 4Runner SR/5 2WD insurance for high-risk drivers can cost from 45% to 125% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so the rates may be quite different from one company to the next.

View Chart as Image

Chart shows Toyota 4Runner SR/5 2WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $736. Drivers who choose higher $1,000 deductibles will pay around $1,076. The average rate for a driver around age 40 using $500 deductibles is $1,262. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,618. High risk drivers could be charged at least $2,680. The rate for full coverage insurance for a teenage driver is $4,474.

View Chart as Image