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 insurance rates for a Toyota bz4X are $1,386 a year including full coverage. Comprehensive insurance costs around $358 each year, collision insurance costs $660, and liability is estimated at $258. Liability-only coverage costs approximately $306 a year, and high-risk coverage costs $2,990 or more. Teen drivers pay the highest rates at up to $4,834 a year.
Average premium for full coverage: $1,386
Price estimates for individual coverage:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and bz4X models.
Price Range from Low to High
For a driver around age 40, Toyota bz4X insurance prices range from as low as $306 for a discount liability-only rate to a high rate of $2,990 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above highlight why all drivers should get quotes for a specific zip code and risk profile, 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 breaks down average Toyota bz4X insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $772
- Choosing higher $1,000 deductibles can save about $230 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,386
- Choosing low deductibles for comp and collision coverage will cost an extra $452 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,990
- The price for full coverage for a teen driver can be $4,834 each year
Auto insurance prices for a Toyota bz4X are also quite variable based on your driving record, the model of your bz4X, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota bz4X insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $690 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $232 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 46% to 129% more than average. View High Risk Driver Rates
| 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 Find the Right Toyota bz4X Insurance
Getting lower rates on car insurance takes having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick rundown of the information covered above.
- You may be able to save up to $180 per year just by quoting online in advance
- Drivers age 20 and younger are expensive to insure, possibly costing $403 a month if they have full coverage
- Increasing physical damage deductibles can save around $675 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,600 more every year to buy Toyota bz4X insurance
- Policyholders who may need increased levels of liability coverage will pay about $280 per year to raise limits from a low limit to 250/500 limits
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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