Toyota 4Runner Sport 4WD Insurance Rates

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The average insurance rates for a Toyota 4Runner Sport 4WD are $1,308 a year including full coverage. Comprehensive insurance costs an estimated $354, collision costs $508, and liability insurance costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing $2,782 or more. Teen drivers cost the most to insure at $4,618 a year or more.

Annual premium for full coverage: $1,308

Policy rates broken down by type of coverage:

Comprehensive $354
Collision $508
Liability $310

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

Price Range for Insurance for this Toyota 4Runner Trim Level

For a 40-year-old driver, Toyota 4Runner Sport 4WD insurance rates go from the low end price of $370 for a discount liability-only rate to the much higher price of $2,782 for high-risk insurance.

Liability Only $370
Full Coverage $1,308
High Risk $2,782

These price differences highlight why everyone should compare prices for a targeted area, rather than relying on price averages.

Use the form below to get rates for your location.

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Insurance prices for a Toyota 4Runner Sport 4WD also range considerably based on the replacement cost of your 4Runner, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,000 additional every year, depending on your age. Toyota 4Runner Sport 4WD insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota 4Runner Sport 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $580 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

Toyota 4Runner Sport 4WD insurance cost comparison chart
Column chart showing Toyota 4Runner Sport 4WD insurance prices range from $760 to $4,618 for full coverage

The chart above shows average Toyota 4Runner Sport 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $760. Drivers who choose higher $1,000 deductibles will pay $1,112. The average price for a driver around age 40 using $500 deductibles is $1,308. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,684. High risk drivers could be charged around $2,782. The rate for full coverage for a teenage driver can be as high as $4,618.

Toyota 4Runner Sport 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$126 -9.6%
Alaska $1,002 -$306 -23.4%
Arizona $1,084 -$224 -17.1%
Arkansas $1,308 -$0 0.0%
California $1,490 $182 13.9%
Colorado $1,248 -$60 -4.6%
Connecticut $1,342 $34 2.6%
Delaware $1,476 $168 12.8%
Florida $1,632 $324 24.8%
Georgia $1,210 -$98 -7.5%
Hawaii $938 -$370 -28.3%
Idaho $886 -$422 -32.3%
Illinois $972 -$336 -25.7%
Indiana $986 -$322 -24.6%
Iowa $882 -$426 -32.6%
Kansas $1,240 -$68 -5.2%
Kentucky $1,784 $476 36.4%
Louisiana $1,934 $626 47.9%
Maine $806 -$502 -38.4%
Maryland $1,078 -$230 -17.6%
Massachusetts $1,042 -$266 -20.3%
Michigan $2,268 $960 73.4%
Minnesota $1,094 -$214 -16.4%
Mississippi $1,564 $256 19.6%
Missouri $1,160 -$148 -11.3%
Montana $1,402 $94 7.2%
Nebraska $1,030 -$278 -21.3%
Nevada $1,566 $258 19.7%
New Hampshire $942 -$366 -28.0%
New Jersey $1,462 $154 11.8%
New Mexico $1,156 -$152 -11.6%
New York $1,378 $70 5.4%
North Carolina $752 -$556 -42.5%
North Dakota $1,070 -$238 -18.2%
Ohio $900 -$408 -31.2%
Oklahoma $1,342 $34 2.6%
Oregon $1,198 -$110 -8.4%
Pennsylvania $1,244 -$64 -4.9%
Rhode Island $1,742 $434 33.2%
South Carolina $1,184 -$124 -9.5%
South Dakota $1,102 -$206 -15.7%
Tennessee $1,142 -$166 -12.7%
Texas $1,574 $266 20.3%
Utah $966 -$342 -26.1%
Vermont $894 -$414 -31.7%
Virginia $782 -$526 -40.2%
Washington $1,008 -$300 -22.9%
West Virginia $1,198 -$110 -8.4%
Wisconsin $904 -$404 -30.9%
Wyoming $1,164 -$144 -11.0%

View Chart as Image

Toyota 4Runner Sport 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota 4Runner Sport 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,618
20 $2,942
30 $1,374
40 $1,308
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Sport 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,684
$250 $1,512
$500 $1,308
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Sport 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,308
50/100 $1,370
100/300 $1,448
250/500 $1,649
100 CSL $1,401
300 CSL $1,572
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Sport 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,604
20 $4,662
30 $2,856
40 $2,782
50 $2,646
60 $2,618

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $64
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $61
Advance Quote $63
Online Quote $94
Total Discounts $548
Rate after discounts $760

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

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