Toyota bz4X Insurance Rates

Estimated insurance rates for a Toyota bz4X are $1,386 a year including full coverage. Comprehensive costs on average $358 a year, collision insurance costs $660, and liability is estimated at $258. A liability-only policy costs approximately $306 a year, and high-risk insurance costs around $2,990. 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:

Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and bz4X trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

These rate differences highlight why it is important to get quotes based on a specific location, instead of using average rates.

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 different risk profiles and scenarios.

• The best discount rate is $772
• Choosing higher $1,000 deductibles can save around $1,156 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,386
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,838
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,990
• An auto insurance policy that insures a teen driver may cost $4,834 each year

View Chart as Image

Auto insurance prices for a Toyota bz4X also have a wide range based on the trim level of your bz4X, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 46% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live 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 be forced to pay as much as $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $690 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $232 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota bz4X Insurance

Finding better rates on car insurance takes having a good driving record, maintaining a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a recap of the coverage data touched on in this article.

• You may be able to save as much as $180 per year just by quoting early and online
• Increasing policy deductibles can save approximately $675 each year
• Drivers age 20 and younger are charged the highest prices, with the cost nearing $403 per month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,600 more each year to buy Toyota bz4X insurance