Toyota bz4X Insurance Rates

Average insurance prices for a Toyota bz4X are $1,374 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $344 each year, collision insurance costs $656, and liability costs around $264. A policy with just liability insurance costs as low as $312 a year, and coverage for high-risk drivers costs $2,968 or more. Teenage drivers receive the highest rates at up to $4,820 a year.

Average premium for full coverage: $1,374

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and bz4X models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates average Toyota bz4X insurance rates for additional coverage and risk scenarios.

• The best discount rate is $763
• Using higher $1,000 deductibles will save $226 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,374
• Using low deductibles for physical damage coverage costs an extra $442 every year
• Drivers who are prone to accidents and violations could pay around $2,968
• The cost to insure a teen driver can cost $4,820 or more

View Chart as Image

Insurance rates for a Toyota bz4X can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your bz4X.

Using high physical damage deductibles could cut rates by as much as $670 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $237 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 46% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota bz4X insurance prices. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,850 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Toyota bz4X Insurance

Saving money on car insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a recap of the data presented in the illustrations above.

• Policyholders who purchase more liability protection will pay an extra $290 annually to increase from a minimum limit to a 250/500 level
• It is possible to save around $170 per year just by quoting online in advance
• Increasing deductibles could save as much as $675 each year
• Youthful drivers are the costliest to insure, costing up to $402 per month if full coverage is included