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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U.S. average auto insurance rates for a Toyota bz4X are $1,374 annually for full coverage insurance. Comprehensive costs approximately $344 a year, collision insurance costs $656, and liability costs around $264. Liability-only insurance costs as low as $312 a year, and high-risk driver insurance costs around $2,968. Teen drivers pay the highest rates at up to $4,820 a year.
Average premium for full coverage: $1,374
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and bz4X trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota bz4X insurance prices range from as cheap as $312 for a discount liability-only rate to a high of $2,968 for a policy for a high-risk driver.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.
The ranges above illustrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using price 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.
Rates by State, City, and Model
The chart below illustrates average Toyota bz4X insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $763
- Using higher $1,000 deductibles will save $1,148 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,374
- Choosing low $100 deductibles for physical damage coverage will cost $1,816
- Drivers with multiple violations and an at-fault accident could pay around $2,968
- The price with full coverage for a teen driver can cost $4,820 or more
Car insurance prices for a Toyota bz4X are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 46% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $670 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $237 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota bz4X insurance prices. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $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 Buy More Affordable Toyota bz4X Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around every year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a summary of the coverage data illustrated above.
- It is possible to save around $170 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $675 each year
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $402 a month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,590 more per year to insure a Toyota bz4X
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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