Toyota bz4X Insurance Rates

Average insurance rates for a Toyota bz4X are $1,386 a year for full coverage. Comprehensive insurance costs on average $358 a year, collision insurance costs $660, and liability insurance costs $258. Liability-only coverage costs as little as $306 a year, and high-risk coverage costs $2,990 or more. Teen drivers receive the highest rates at up to $4,834 a year.

Average premium for full coverage: $1,386

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and bz4X trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.

These examples show why it is important to compare rates based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows average Toyota bz4X insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $772
• Drivers who choose higher $1,000 deductibles will pay around $1,156 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,386
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $452 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,990
• The cost that insures a teen driver may cost $4,834 a year

View Chart as Image

Car insurance rates for a Toyota bz4X can also vary considerably based on the trim level of your bz4X, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 46% to 129% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in Toyota bz4X insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,980 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $690 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $232 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota bz4X Insurance

Saving money on Toyota bz4X insurance not only requires having a decent driving record, but also having a positive credit history, eliminating unneeded coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the data covered in the above illustrations.

• Drivers who require additional liability coverage will pay about $280 each year to go from a minimum limit to the 250/500 level
• Drivers can save as much as $180 per year just by quoting early and online
• Increasing deductibles can save approximately $675 each year
• 16 to 18-year-old drivers are expensive to insure, costing as high as $403 per month if full coverage is purchased