Toyota bz4X Insurance Rates

The average insurance rates for a Toyota bz4X are $1,374 a year for full coverage. Comprehensive insurance costs around $344, collision insurance costs $656, and liability costs $264. Liability-only coverage costs as little as $312 a year, and high-risk coverage costs $2,968 or more. Teen drivers cost the most to insure at up to $4,820 a year.

Average premium for full coverage: $1,374

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different bz4X trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using price averages.

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

More Rate Information

The chart below shows average Toyota bz4X insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $763
• Drivers who choose higher $1,000 deductibles will pay about $226 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,374
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $442 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,968
• Policy cost for full coverage for a teen driver with full coverage can be $4,820 a year

View Chart as Image

Insurance rates for a Toyota bz4X also range considerably based on your risk profile, the trim level of your bz4X, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $670 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $237 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost as much as 46% to 130% more than average. View High Risk Driver Rates

How to Find Cheaper Toyota bz4X Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a condensed summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save up to $170 per year just by shopping early and online
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,590 more every year to buy Toyota bz4X insurance
• Increasing comprehensive and collision deductibles can save around $675 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $402 each month including comprehensive and collision insurance