Toyota 4Runner Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

U.S. average auto insurance rates for a Toyota 4Runner are $1,272 annually with full coverage. Comprehensive costs an estimated $298, collision costs $474, and liability is estimated at $364. A policy with just liability insurance costs approximately $416 a year, with coverage for high-risk drivers costing around $2,736. Teen drivers pay the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,272

Price estimates broken down by individual coverage:

Comprehensive $298
Collision $474
Liability $364

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different 4Runner trim levels.

Price Range from Low to High

For the normal driver, Toyota 4Runner insurance prices go from as cheap as $416 for just the minimum liability insurance to a much higher rate of $2,736 for a driver who has had serious violations or accidents.

Liability Only $416
Full Coverage $1,272
High Risk $2,736

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $954
Small Cities $1,336
Large Cities $1,717

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of 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.

Additional Rate Analysis

The chart below details estimated Toyota 4Runner insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $735
  • Choosing higher $1,000 deductibles can save approximately $176 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,272
  • Choosing more expensive low deductibles for comp and collision coverage will cost $1,610
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,736 or more
  • The price with full coverage for a teen driver with full coverage can cost as much as $4,662 each year

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance rates range from $735 to $4,662

Insurance prices for a Toyota 4Runner are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $520 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Toyota 4Runner insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,720 on average in New York, Michigan, and Florida.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$124 -9.7%
Alaska $976 -$296 -23.3%
Arizona $1,054 -$218 -17.1%
Arkansas $1,272 -$0 0.0%
California $1,450 $178 14.0%
Colorado $1,212 -$60 -4.7%
Connecticut $1,304 $32 2.5%
Delaware $1,436 $164 12.9%
Florida $1,588 $316 24.8%
Georgia $1,176 -$96 -7.5%
Hawaii $914 -$358 -28.1%
Idaho $864 -$408 -32.1%
Illinois $948 -$324 -25.5%
Indiana $960 -$312 -24.5%
Iowa $856 -$416 -32.7%
Kansas $1,206 -$66 -5.2%
Kentucky $1,734 $462 36.3%
Louisiana $1,882 $610 48.0%
Maine $786 -$486 -38.2%
Maryland $1,052 -$220 -17.3%
Massachusetts $1,014 -$258 -20.3%
Michigan $2,208 $936 73.6%
Minnesota $1,066 -$206 -16.2%
Mississippi $1,524 $252 19.8%
Missouri $1,128 -$144 -11.3%
Montana $1,366 $94 7.4%
Nebraska $1,002 -$270 -21.2%
Nevada $1,524 $252 19.8%
New Hampshire $916 -$356 -28.0%
New Jersey $1,422 $150 11.8%
New Mexico $1,126 -$146 -11.5%
New York $1,338 $66 5.2%
North Carolina $732 -$540 -42.5%
North Dakota $1,042 -$230 -18.1%
Ohio $878 -$394 -31.0%
Oklahoma $1,304 $32 2.5%
Oregon $1,164 -$108 -8.5%
Pennsylvania $1,212 -$60 -4.7%
Rhode Island $1,694 $422 33.2%
South Carolina $1,154 -$118 -9.3%
South Dakota $1,074 -$198 -15.6%
Tennessee $1,112 -$160 -12.6%
Texas $1,532 $260 20.4%
Utah $940 -$332 -26.1%
Vermont $870 -$402 -31.6%
Virginia $760 -$512 -40.3%
Washington $982 -$290 -22.8%
West Virginia $1,164 -$108 -8.5%
Wisconsin $878 -$394 -31.0%
Wyoming $1,130 -$142 -11.2%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Toyota 4Runner Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota 4Runner Sport 2WD $1,164 $97
Toyota 4Runner SR/5 2WD $1,204 $100
Toyota 4Runner Sport 4WD $1,244 $104
Toyota 4Runner SR/5 4WD $1,244 $104
Toyota 4Runner Trail Edition 4WD $1,312 $109
Toyota 4Runner Limited 2WD $1,350 $113
Toyota 4Runner Limited 4WD $1,350 $113

Rates assume 2020 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.

Toyota 4Runner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota 4Runner $298 $474 $364 $1,272
2018 Toyota 4Runner $270 $424 $384 $1,214
2017 Toyota 4Runner $260 $400 $388 $1,184
2015 Toyota 4Runner $232 $330 $390 $1,088
2014 Toyota 4Runner $224 $310 $394 $1,064
2012 Toyota 4Runner $202 $268 $402 $1,008
2009 Toyota 4Runner $174 $202 $402 $914
2008 Toyota 4Runner $168 $182 $398 $884
2007 Toyota 4Runner $166 $178 $390 $870
2006 Toyota 4Runner $162 $168 $384 $850
2005 Toyota 4Runner $148 $160 $380 $824
2004 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 Buy Affordable Toyota 4Runner Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the ideas that were presented in the illustrations above.

  • Teens are charged the highest prices, costing up to $389 a month including comprehensive and collision insurance
  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,460 more annually for 4Runner insurance
  • Increasing physical damage deductibles could save up to $525 each year
  • You may be able to save approximately $150 per year simply by shopping early and online

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. 

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 TestedOverallFrontalSideRollover
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 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 CategoryLoss Rate
Property Damage-8%
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.




Rates by Driver Age

Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,902
30 $1,330
40 $1,272
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,454
$500 $1,272
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,272
50/100 $1,423
100/300 $1,514
250/500 $1,750
100 CSL $1,459
300 CSL $1,659
500 CSL $1,805

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,660
20 $4,614
30 $2,796
40 $2,736
50 $2,606
60 $2,582

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $82
Paid in Full/EFT $58
Advance Quote $62
Online Quote $91
Total Discounts $537
Rate after discounts $735

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles