Toyota 4Runner Limited 2WD Insurance Rates

Estimated insurance rates for a Toyota 4Runner Limited 2WD are $1,432 a year with full coverage. Comprehensive insurance costs on average $382 each year, collision costs $604, and liability costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing $3,060 or more. Teenage drivers pay the most at $5,032 a year or more.

Annual premium for full coverage: $1,432

Premium estimates by individual coverage:

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

Price Range for Insurance for this Toyota 4Runner Trim Level

These rate differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota 4Runner Limited 2WD also have a wide range based on your driving characteristics, the actual cash value of your 4Runner, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota 4Runner Limited 2WD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $660 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $279 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be substantially different from one company to the next.

View Chart as Image

The chart above shows Toyota 4Runner Limited 2WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $819. Drivers who use higher $1,000 deductibles will pay around $1,206. The average rate for a 40-year-old male driver using $500 deductibles is $1,432. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,862. Drivers with multiple violations and accidents could be charged up to $3,060. The policy rate for full coverage for a teen driver is $5,032.

View Chart as Image