Toyota 4Runner SR/5 4WD Insurance Rates

Estimated insurance prices for a Toyota 4Runner SR/5 4WD are $1,308 every 12 months for full coverage. Comprehensive insurance costs on average $354, collision costs $508, and liability costs around $310. A policy with only liability insurance costs as low as $370 a year, with a high-risk policy costing $2,782 or more. Teenage drivers pay the most at $4,618 a year or more.

Annual premium for full coverage: $1,308

Premium estimates by 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 rate differences show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Toyota 4Runner SR/5 4WD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year of your 4Runner.

Using high physical damage deductibles could cut rates by as much as $580 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota 4Runner SR/5 4WD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to know exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be substantially different.

View Chart as Image

Chart shows Toyota 4Runner SR/5 4WD insurance rates for different coverage choices and risks. The cheapest discount rate is $760. Drivers who use higher $1,000 deductibles will pay $1,112. The average rate for a 40-year-old male driver using $500 deductibles is $1,308. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,684. Drivers with multiple violations and accidents could be charged up to $2,782. The price for full coverage for a teen driver can be as high as $4,618.

View Chart as Image