Toyota bz4X Insurance Rates

The average insurance rates for a Toyota bz4X are $1,374 a year including full coverage. Comprehensive costs around $344 a 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. Teens cost the most to insure at up to $4,820 a year.

Average premium for full coverage: $1,374

Policy rates for type of insurance:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and bz4X trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down average Toyota bz4X insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $763
• Choosing higher $1,000 deductibles can save about $1,148 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,374
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,816
• Unlucky drivers with serious driving violations could pay at least $2,968
• Policy cost that insures a teen driver can be $4,820 each year

View Chart as Image

Car insurance rates for a Toyota bz4X also range considerably based on the trim level of your bz4X, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 46% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota bz4X insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $670 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $237 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Toyota bz4X Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the coverage data presented in the illustrations above.

• You may be able to save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $675 each year
• Teens are the costliest to insure, with premiums being up to $402 each month if full coverage is purchased
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,590 more every year for bz4X insurance