Toyota bz4X Insurance Rates
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Michelle Robbins
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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: Mar 28, 2024
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The average insurance rates for a Toyota bz4X are $1,374 a year with full coverage. Comprehensive insurance costs an estimated $344, collision insurance costs $656, and liability insurance is $264. Liability-only insurance costs around $312 a year, and high-risk driver insurance costs $2,968 or more. Teens cost the most to insure at up to $4,820 a year.
Average premium for full coverage: $1,374
Policy rates broken down by type of insurance:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different bz4X trim levels.
Price Range Variability
For a driver around age 40, Toyota bz4X insurance rates range from as low as $312 for just liability coverage to a much higher rate of $2,968 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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.
Detailed Rate Analysis
The chart below details average Toyota bz4X insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $763
- Raising to $1,000 deductibles will save approximately $226 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,374
- Selecting more expensive low deductibles will cost an extra $442 a year
- Higher-risk drivers with serious driving violations could pay up to $2,968
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,820
Auto insurance rates for a Toyota bz4X also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age
Your home state also has a big influence on Toyota bz4X insurance rates. A middle-age driver might find 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $670 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $237 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 46% to 130% more than the average policy. View High Risk Driver Rates
| 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 Find Cheaper Toyota bz4X Insurance
Finding cheaper rates on Toyota bz4X insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the data covered above.
- Drivers who want higher levels of liability will pay approximately $290 every year to raise from a 30/60 limit to 250/500 limits
- You may be able to save approximately $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $675 each year
- Teenage drivers are the costliest to insure, as much as $402 each month if they have full coverage
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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