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 for full coverage insurance. Comprehensive costs an estimated $344 each year, collision insurance costs $656, and liability is estimated at $264. A liability-only policy costs approximately $312 a year, and high-risk insurance costs around $2,968. 16-year-old drivers receive the highest rates at up to $4,820 a year.
Average premium for full coverage: $1,374
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and bz4X models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $312 for your basic liability-only policy to a high rate of $2,968 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities. The graphic below illustrates how your location can change insurance prices.
These examples illustrate why all drivers should get quotes for a targeted area and their own driving history, instead of using rate 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.
More Rate Information
The chart below illustrates average Toyota bz4X insurance rates for other coverage scenarios.
- The best full coverage rate is $763
- Choosing higher $1,000 deductibles can save approximately $226 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,374
- Buying low deductibles for comp and collision coverage increases the price to $1,816
- Unlucky drivers with multiple tickets or accidents could pay up to $2,968
- The cost to insure a teen driver can cost as much as $4,820 each year
Insurance rates for a Toyota bz4X can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $670 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $237 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $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 $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 46% to 130% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota bz4X insurance prices. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.
| 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% |
| 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 More Affordable Toyota bz4X Insurance
Saving money on car insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a summary of the primary concepts that were illustrated above.
- It is possible to save approximately $170 per year just by quoting online in advance
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,590 more annually to buy Toyota bz4X insurance
- Increasing deductibles could save as much as $675 each year
- Drivers age 20 and younger are charged the highest rates, costing up to $402 per 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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