Toyota bz4X 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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota bz4X are $1,374 every 12 months with full coverage. Comprehensive insurance costs approximately $344 each year, collision costs $656, and liability insurance costs around $264. Liability-only coverage costs as low as $312 a year, with high-risk coverage costing $2,968 or more. Teens receive the highest rates at $4,820 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and bz4X models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $312 for just the minimum liability insurance to a high rate of $2,968 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance prices.
These examples demonstrate why all drivers should compare prices using their specific location and their own driving history, rather than relying on averaged prices.
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 bz4X insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $763
- Using higher $1,000 deductibles will save $226 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,374
- Selecting low deductibles for physical damage coverage costs an extra $442 a year
- Drivers with serious driving violations could pay around $2,968 or more
- The cost to insure a teen driver can cost $4,820 or more
Car insurance rates for a Toyota bz4X can also vary considerably based on policy deductibles and limits, your driving record, and the model of your bz4X.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $670 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $237 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged 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 may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 46% to 130% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Toyota bz4X insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$132 | -9.6% |
| Alaska | $1,052 | -$322 | -23.4% |
| Arizona | $1,140 | -$234 | -17.0% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,564 | $190 | 13.8% |
| Colorado | $1,310 | -$64 | -4.7% |
| Connecticut | $1,410 | $36 | 2.6% |
| Delaware | $1,554 | $180 | 13.1% |
| Florida | $1,714 | $340 | 24.7% |
| Georgia | $1,268 | -$106 | -7.7% |
| Hawaii | $986 | -$388 | -28.2% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,022 | -$352 | -25.6% |
| Indiana | $1,034 | -$340 | -24.7% |
| Iowa | $926 | -$448 | -32.6% |
| Kansas | $1,302 | -$72 | -5.2% |
| Kentucky | $1,870 | $496 | 36.1% |
| Louisiana | $2,032 | $658 | 47.9% |
| Maine | $844 | -$530 | -38.6% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,096 | -$278 | -20.2% |
| Michigan | $2,382 | $1,008 | 73.4% |
| Minnesota | $1,148 | -$226 | -16.4% |
| Mississippi | $1,646 | $272 | 19.8% |
| Missouri | $1,218 | -$156 | -11.4% |
| Montana | $1,474 | $100 | 7.3% |
| Nebraska | $1,082 | -$292 | -21.3% |
| Nevada | $1,646 | $272 | 19.8% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,532 | $158 | 11.5% |
| New Mexico | $1,214 | -$160 | -11.6% |
| New York | $1,444 | $70 | 5.1% |
| North Carolina | $790 | -$584 | -42.5% |
| North Dakota | $1,124 | -$250 | -18.2% |
| Ohio | $948 | -$426 | -31.0% |
| Oklahoma | $1,408 | $34 | 2.5% |
| Oregon | $1,260 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$66 | -4.8% |
| Rhode Island | $1,830 | $456 | 33.2% |
| South Carolina | $1,244 | -$130 | -9.5% |
| South Dakota | $1,158 | -$216 | -15.7% |
| Tennessee | $1,202 | -$172 | -12.5% |
| Texas | $1,652 | $278 | 20.2% |
| Utah | $1,016 | -$358 | -26.1% |
| Vermont | $938 | -$436 | -31.7% |
| Virginia | $824 | -$550 | -40.0% |
| Washington | $1,060 | -$314 | -22.9% |
| West Virginia | $1,262 | -$112 | -8.2% |
| Wisconsin | $950 | -$424 | -30.9% |
| Wyoming | $1,220 | -$154 | -11.2% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $344 | $656 | $264 | $1,374 |
| 2023 Toyota bz4X | $332 | $640 | $274 | $1,356 |
Rates are averaged for all Toyota bz4X models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Toyota bz4X Insurance
Saving money on Toyota bz4X insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a review of the ideas that were illustrated above.
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums as much as $402 per month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,590 more per year to insure a Toyota bz4X
- Increasing deductibles could save as much as $675 each year
- You may be able to save around $170 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,820 |
| 20 | $3,156 |
| 30 | $1,454 |
| 40 | $1,374 |
| 50 | $1,252 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,816 |
| $250 | $1,610 |
| $500 | $1,374 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,427 |
| 100/300 | $1,493 |
| 250/500 | $1,664 |
| 100 CSL | $1,453 |
| 300 CSL | $1,598 |
| 500 CSL | $1,704 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,948 |
| 20 | $5,026 |
| 30 | $3,060 |
| 40 | $2,968 |
| 50 | $2,828 |
| 60 | $2,804 |
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 | $76 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $101 |
| Total Discounts | $611 |
Discounts are estimated and may not be available from every company or in every state.
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