Toyota 4Runner Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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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.

Average insurance rates for a Toyota 4Runner are $1,292 a year for full coverage. Comprehensive costs on average $308 a year, collision costs $494, and liability insurance costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance costing around $2,778. Teen drivers receive the highest rates at $4,706 a year or more.

Average premium for full coverage: $1,292

Rate estimates by individual coverage type:

Comprehensive $308
Collision $494
Liability $354

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and 4Runner trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $406 for only liability insurance to a high of $2,778 for a high risk driver.

Liability Only $406
Full Coverage $1,292
High Risk $2,778

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $969
Small Cities $1,357
Large Cities $1,744

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Toyota 4Runner insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $746
  • Drivers who choose higher $1,000 deductibles will pay around $1,110 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,292
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,644
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,778 or more
  • The cost for full coverage for a teen driver may cost $4,706 a year

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance rates range from $746 to $4,706

for a Toyota 4Runner can also vary considerably based on your driver profile, the trim level of your 4Runner, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Toyota 4Runner insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,166 -$126 -9.8%
Alaska $992 -$300 -23.2%
Arizona $1,072 -$220 -17.0%
Arkansas $1,292 -$0 0.0%
California $1,474 $182 14.1%
Colorado $1,232 -$60 -4.6%
Connecticut $1,326 $34 2.6%
Delaware $1,460 $168 13.0%
Florida $1,614 $322 24.9%
Georgia $1,192 -$100 -7.7%
Hawaii $930 -$362 -28.0%
Idaho $876 -$416 -32.2%
Illinois $962 -$330 -25.5%
Indiana $972 -$320 -24.8%
Iowa $870 -$422 -32.7%
Kansas $1,226 -$66 -5.1%
Kentucky $1,760 $468 36.2%
Louisiana $1,912 $620 48.0%
Maine $798 -$494 -38.2%
Maryland $1,066 -$226 -17.5%
Massachusetts $1,030 -$262 -20.3%
Michigan $2,242 $950 73.5%
Minnesota $1,082 -$210 -16.3%
Mississippi $1,548 $256 19.8%
Missouri $1,148 -$144 -11.1%
Montana $1,388 $96 7.4%
Nebraska $1,016 -$276 -21.4%
Nevada $1,550 $258 20.0%
New Hampshire $930 -$362 -28.0%
New Jersey $1,444 $152 11.8%
New Mexico $1,144 -$148 -11.5%
New York $1,358 $66 5.1%
North Carolina $744 -$548 -42.4%
North Dakota $1,058 -$234 -18.1%
Ohio $890 -$402 -31.1%
Oklahoma $1,324 $32 2.5%
Oregon $1,184 -$108 -8.4%
Pennsylvania $1,232 -$60 -4.6%
Rhode Island $1,724 $432 33.4%
South Carolina $1,172 -$120 -9.3%
South Dakota $1,090 -$202 -15.6%
Tennessee $1,130 -$162 -12.5%
Texas $1,558 $266 20.6%
Utah $956 -$336 -26.0%
Vermont $882 -$410 -31.7%
Virginia $772 -$520 -40.2%
Washington $998 -$294 -22.8%
West Virginia $1,184 -$108 -8.4%
Wisconsin $892 -$400 -31.0%
Wyoming $1,148 -$144 -11.1%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,182 $99
Toyota 4Runner SR/5 2WD $1,222 $102
Toyota 4Runner Sport 4WD $1,264 $105
Toyota 4Runner SR/5 4WD $1,264 $105
Toyota 4Runner Trail Edition 4WD $1,334 $111
Toyota 4Runner Limited 2WD $1,374 $115
Toyota 4Runner Limited 4WD $1,374 $115

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 $308 $494 $354 $1,292
2018 Toyota 4Runner $282 $458 $376 $1,252
2017 Toyota 4Runner $270 $424 $384 $1,214
2015 Toyota 4Runner $248 $358 $390 $1,132
2014 Toyota 4Runner $232 $330 $390 $1,088
2012 Toyota 4Runner $220 $288 $402 $1,046
2009 Toyota 4Runner $184 $222 $402 $944
2008 Toyota 4Runner $174 $202 $402 $914
2007 Toyota 4Runner $168 $182 $398 $884
2006 Toyota 4Runner $166 $178 $390 $870
2005 Toyota 4Runner $162 $168 $384 $850
2004 Toyota 4Runner $148 $160 $380 $824
2003 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 Cheaper Toyota 4Runner Insurance

Saving money on Toyota 4Runner insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $390 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $392 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,490 more each year for insurance

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 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 $4,706
20 $2,946
30 $1,352
40 $1,292
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,484
$500 $1,292
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,292
50/100 $1,445
100/300 $1,533
250/500 $1,763
100 CSL $1,480
300 CSL $1,675
500 CSL $1,817

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,728
20 $4,684
30 $2,846
40 $2,778
50 $2,644
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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $59
Advance Quote $63
Online Quote $92
Total Discounts $546
Rate after discounts $746

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

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