Toyota bz4X Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota bz4X are $1,386 every 12 months with full coverage. Comprehensive insurance costs on average $358, collision insurance costs $660, and liability coverage is estimated at $258. A policy with only liability insurance costs approximately $306 a year, and a high-risk policy costs $2,990 or more. Teenage drivers pay the most at up to $4,834 a year.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different bz4X trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota bz4X range from the cheapest price of $306 for a discount liability-only rate to a much higher rate of $2,990 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using average rates.
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 details average Toyota bz4X insurance rates for different risk profiles and scenarios.
- The best discount rate is $772
- Choosing higher $1,000 deductibles can save around $230 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,386
- Using more expensive low deductibles for comp and collision coverage costs an extra $452 each year
- Drivers who are prone to accidents and violations could pay upwards of $2,990
- An auto insurance policy to insure a teenage driver with full coverage may cost $4,834 each year
Car insurance prices for a Toyota bz4X also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your bz4X.
Using high physical damage deductibles can save as much as $690 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $232 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges around 46% to 129% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota bz4X insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$132 | -9.5% |
| Alaska | $1,064 | -$322 | -23.2% |
| Arizona | $1,152 | -$234 | -16.9% |
| Arkansas | $1,386 | -$0 | 0.0% |
| California | $1,582 | $196 | 14.1% |
| Colorado | $1,324 | -$62 | -4.5% |
| Connecticut | $1,422 | $36 | 2.6% |
| Delaware | $1,570 | $184 | 13.3% |
| Florida | $1,732 | $346 | 25.0% |
| Georgia | $1,282 | -$104 | -7.5% |
| Hawaii | $996 | -$390 | -28.1% |
| Idaho | $940 | -$446 | -32.2% |
| Illinois | $1,034 | -$352 | -25.4% |
| Indiana | $1,044 | -$342 | -24.7% |
| Iowa | $936 | -$450 | -32.5% |
| Kansas | $1,316 | -$70 | -5.1% |
| Kentucky | $1,890 | $504 | 36.4% |
| Louisiana | $2,052 | $666 | 48.1% |
| Maine | $854 | -$532 | -38.4% |
| Maryland | $1,144 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$280 | -20.2% |
| Michigan | $2,408 | $1,022 | 73.7% |
| Minnesota | $1,162 | -$224 | -16.2% |
| Mississippi | $1,662 | $276 | 19.9% |
| Missouri | $1,228 | -$158 | -11.4% |
| Montana | $1,490 | $104 | 7.5% |
| Nebraska | $1,090 | -$296 | -21.4% |
| Nevada | $1,662 | $276 | 19.9% |
| New Hampshire | $1,000 | -$386 | -27.8% |
| New Jersey | $1,548 | $162 | 11.7% |
| New Mexico | $1,228 | -$158 | -11.4% |
| New York | $1,460 | $74 | 5.3% |
| North Carolina | $796 | -$590 | -42.6% |
| North Dakota | $1,134 | -$252 | -18.2% |
| Ohio | $958 | -$428 | -30.9% |
| Oklahoma | $1,422 | $36 | 2.6% |
| Oregon | $1,272 | -$114 | -8.2% |
| Pennsylvania | $1,322 | -$64 | -4.6% |
| Rhode Island | $1,850 | $464 | 33.5% |
| South Carolina | $1,258 | -$128 | -9.2% |
| South Dakota | $1,170 | -$216 | -15.6% |
| Tennessee | $1,214 | -$172 | -12.4% |
| Texas | $1,670 | $284 | 20.5% |
| Utah | $1,026 | -$360 | -26.0% |
| Vermont | $948 | -$438 | -31.6% |
| Virginia | $832 | -$554 | -40.0% |
| Washington | $1,070 | -$316 | -22.8% |
| West Virginia | $1,274 | -$112 | -8.1% |
| Wisconsin | $960 | -$426 | -30.7% |
| Wyoming | $1,234 | -$152 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $358 | $660 | $258 | $1,386 |
| 2023 Toyota bz4X | $344 | $656 | $264 | $1,374 |
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 Cheap Toyota bz4X Insurance
Finding better rates on auto insurance takes being a good driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The following list is a brief summary of the data that was covered above.
- You may be able to save as much as $180 per year just by shopping early and online
- Consumers who require an increased level of liability coverage will pay an extra $280 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, possibly costing $403 per month if the policy includes full coverage
- Drivers that tend to have accidents or serious violations may pay on average $1,600 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,834 |
| 20 | $3,176 |
| 30 | $1,470 |
| 40 | $1,386 |
| 50 | $1,262 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,838 |
| $250 | $1,630 |
| $500 | $1,386 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,386 |
| 50/100 | $1,438 |
| 100/300 | $1,502 |
| 250/500 | $1,670 |
| 100 CSL | $1,463 |
| 300 CSL | $1,605 |
| 500 CSL | $1,709 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,970 |
| 20 | $5,056 |
| 30 | $3,084 |
| 40 | $2,990 |
| 50 | $2,848 |
| 60 | $2,822 |
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 | $77 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $112 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $102 |
| Total Discounts | $614 |
Discounts are estimated and may not be available from every company or in every state.
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