Toyota 4Runner Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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Looking for affordable Toyota 4Runner insurance rates? The average 4Runner insurance costs are $111 per month or $1,332 annually.
Are Toyotas more expensive to insure than other vehicle models? Lots of variables impact your car insurance rates besides what brand of vehicle you drive.
For example, experienced drivers with perfect driving records will receive cheap car insurance quotes easier than younger drivers.
Model year is one factor that will impact insurance rates. 2020 Toyota 4Runner car insurance costs will be higher than 2004 Toyota 4Runner car insurance costs.
Whether you drive a used Toyota 4Runner or are considering buying a brand new Toyota 4Runner 2021 model, read through our comprehensive guide to better understand how your car insurance rates are calculated.
Before you buy Toyota 4Runner auto insurance, shop around. We can help you find affordable Toyota 4Runner car insurance rates from multiple companies.
Ready to find out how much you should pay for a 4Runner? Enter your five-digit ZIP code into our FREE quote comparison tool above to compare the best Toyota 4Runner car insurance rates.
Estimated insurance rates for a Toyota 4Runner are $914 a year for full coverage insurance. Comprehensive insurance costs on average $174 each year, collision insurance costs $202, and liability coverage costs $402. A policy with only liability insurance costs as little as $446 a year, and a high-risk policy costs $1,950 or more. Teen drivers pay the most at up to $3,590 a year.
Average premium for full coverage: $914
Premium estimates by type of coverage:
Prices are based on $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and 4Runner models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota 4Runner range from the low end price of $446 for just liability insurance to a high rate of $1,950 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why all drivers should compare rates based on a specific location, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates average Toyota 4Runner insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $555
- Drivers who choose higher $1,000 deductibles will pay around $86 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $914
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $160 each year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,950
- An auto insurance policy that insures a teenage driver may cost $3,590 a year
Car insurance prices for a Toyota 4Runner also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,500 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 134% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,500 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota 4Runner insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,230 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $824 | -$90 | -9.8% |
| Alaska | $698 | -$216 | -23.6% |
| Arizona | $758 | -$156 | -17.1% |
| Arkansas | $914 | -$0 | 0.0% |
| California | $1,040 | $126 | 13.8% |
| Colorado | $870 | -$44 | -4.8% |
| Connecticut | $938 | $24 | 2.6% |
| Delaware | $1,030 | $116 | 12.7% |
| Florida | $1,138 | $224 | 24.5% |
| Georgia | $844 | -$70 | -7.7% |
| Hawaii | $656 | -$258 | -28.2% |
| Idaho | $618 | -$296 | -32.4% |
| Illinois | $680 | -$234 | -25.6% |
| Indiana | $688 | -$226 | -24.7% |
| Iowa | $614 | -$300 | -32.8% |
| Kansas | $866 | -$48 | -5.3% |
| Kentucky | $1,244 | $330 | 36.1% |
| Louisiana | $1,352 | $438 | 47.9% |
| Maine | $562 | -$352 | -38.5% |
| Maryland | $752 | -$162 | -17.7% |
| Massachusetts | $728 | -$186 | -20.4% |
| Michigan | $1,582 | $668 | 73.1% |
| Minnesota | $764 | -$150 | -16.4% |
| Mississippi | $1,094 | $180 | 19.7% |
| Missouri | $810 | -$104 | -11.4% |
| Montana | $980 | $66 | 7.2% |
| Nebraska | $718 | -$196 | -21.4% |
| Nevada | $1,094 | $180 | 19.7% |
| New Hampshire | $658 | -$256 | -28.0% |
| New Jersey | $1,022 | $108 | 11.8% |
| New Mexico | $806 | -$108 | -11.8% |
| New York | $960 | $46 | 5.0% |
| North Carolina | $526 | -$388 | -42.5% |
| North Dakota | $750 | -$164 | -17.9% |
| Ohio | $630 | -$284 | -31.1% |
| Oklahoma | $936 | $22 | 2.4% |
| Oregon | $836 | -$78 | -8.5% |
| Pennsylvania | $870 | -$44 | -4.8% |
| Rhode Island | $1,216 | $302 | 33.0% |
| South Carolina | $826 | -$88 | -9.6% |
| South Dakota | $770 | -$144 | -15.8% |
| Tennessee | $798 | -$116 | -12.7% |
| Texas | $1,100 | $186 | 20.4% |
| Utah | $676 | -$238 | -26.0% |
| Vermont | $622 | -$292 | -31.9% |
| Virginia | $548 | -$366 | -40.0% |
| Washington | $704 | -$210 | -23.0% |
| West Virginia | $836 | -$78 | -8.5% |
| Wisconsin | $630 | -$284 | -31.1% |
| Wyoming | $812 | -$102 | -11.2% |
Choosing high deductibles could save up to $250 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $864 | $72 |
| Toyota 4Runner SR/5 2WD | $882 | $74 |
| Toyota 4Runner Sport 4WD | $902 | $75 |
| Toyota 4Runner SR/5 4WD | $902 | $75 |
| Toyota 4Runner Trail Edition 4WD | $932 | $78 |
| Toyota 4Runner Limited 2WD | $950 | $79 |
| Toyota 4Runner Limited 4WD | $950 | $79 |
Rates assume 2010 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| 2023 Toyota 4Runner | $320 | $506 | $338 | $1,300 |
| 2022 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2021 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2020 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2019 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2018 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2017 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2016 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2015 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
| 2014 Toyota 4Runner | $220 | $288 | $402 | $1,046 |
| 2013 Toyota 4Runner | $202 | $268 | $402 | $1,008 |
| 2012 Toyota 4Runner | $198 | $244 | $406 | $984 |
| 2011 Toyota 4Runner | $184 | $222 | $402 | $944 |
| 2010 Toyota 4Runner | $174 | $202 | $402 | $914 |
| 2009 Toyota 4Runner | $168 | $182 | $398 | $884 |
| 2008 Toyota 4Runner | $166 | $178 | $390 | $870 |
| 2007 Toyota 4Runner | $162 | $168 | $384 | $850 |
| 2006 Toyota 4Runner | $148 | $160 | $380 | $824 |
| 2005 Toyota 4Runner | $144 | $152 | $376 | $808 |
Rates are averaged for all Toyota 4Runner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Toyota 4Runner Insurance
Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following is a brief review of the primary concepts that were covered above.
- It is possible to save as much as $100 per year just by quoting online in advance
- Drivers with DUI or reckless driving convictions may pay on average $1,040 more each year for 4Runner insurance
- Increasing policy deductibles can save approximately $250 each year
- Teens are expensive to insure, with premiums being up to $299 per month if full coverage is purchased
Is a Toyota 4Runner worth the money? As you’ve learned from the information above, many factors impact your overall insurance rates. If you found a Toyota 4Runner for sale, you can lower your insurance premiums by comparison shopping, and seeking out discounts.
Whether you drive a Toyota 4Runner TRD Pro or are looking for cheap 2003 4Runner insurance costs for your teen driver, enter your ZIP code into our FREE quote tool below to start comparing affordable rates.
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What are the safety ratings for the Toyota 4Runner?
Understanding the Toyota 4Runner safety ratings can help you see what car insurance discounts your vehicle might qualify for. Poor ratings can sometimes reveal why your premiums are higher than average.
Check out the Toyota 4Runner 2020 safety ratings below.
- Small overlap front (driver-side): Moderate
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights for this SUV scored poorly, and the vehicle did receive one ‘Moderate’ review.
Overall, these safety ratings are just okay, but fortunately, this should not cause your car insurance premiums to increase.
Toyota 4Runner Crash Test Ratings
Good crash test ratings mean cheaper insurance rates, as drivers are better protected in a crash.
Toyota 4Runner Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2019 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
The Toyota 4Runner did not do great in the rollover crash tests, as it only earned 3-star ratings.
Toyota 4Runner Insurance Loss Probability
Low insurance loss probabilities mean lower rates, while high insurance loss probabilities mean higher insurance rates. Take a look at the Toyota 4Runner’s insurance loss probabilities below.
Toyota 4Runner Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -25% |
| Property Damage | -8% |
| Comprehensive | -17% |
| Personal Injury | -24% |
| Medical Payment | -34% |
| Bodily Injury | -25% |
| Source: Insurance Institute for Highway Safety |
The Toyota 4Runner has great insurance loss probabilities, as they are all negative.
Toyota 4Runner Compared Against other Vehicles in the Same Class
Comparing the Toyota 4Runner to similar vehicles can help you save money, especially if the Toyota 4Runner has better insurance loss ratios across the board than other cars in the same class.
Officially, the Insurance Institute for Highway Safety classifies the 4Runner as a midsize SUV. Take a look at some other comparable midsize SUVs in the list below.
Overall, the Toyota 4Runner’s loss ratios are average or better than average. Specifically, the collision, comprehensive, personal injury, and medical payment loss ratios for this vehicle are all better than average. This will reflect positively in your annual car insurance rates.
You are now an expert on finding cheap Toyota 4Runner insurance costs. Is Toyota 4Runner a good car for you? If so, make sure you’re getting the cheapest car insurance rates possible.
Enter your five-digit ZIP code into our FREE quote tool to start immediately comparing rates from multiple Toyota 4Runner auto insurance companies.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,590 |
| 20 | $2,064 |
| 30 | $932 |
| 40 | $914 |
| 50 | $836 |
| 60 | $818 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,000 |
| $500 | $914 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $914 |
| 50/100 | $1,030 |
| 100/300 | $1,131 |
| 250/500 | $1,392 |
| 100 CSL | $1,071 |
| 300 CSL | $1,292 |
| 500 CSL | $1,453 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,064 |
| 20 | $3,284 |
| 30 | $1,972 |
| 40 | $1,950 |
| 50 | $1,860 |
| 60 | $1,842 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $359 |
Discounts are estimated and may not be available from every company or in every state.
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