Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota bz4X are $1,420 a year for full coverage. Comprehensive costs an estimated $376, collision costs $688, and liability costs $246. Liability-only coverage costs as little as $298 a year, with high-risk coverage costing around $3,060. Teen drivers pay the most at $4,910 a year or more.
Average premium for full coverage: $1,420
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different bz4X trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota bz4X go from as low as $298 for just the minimum liability insurance to a much higher rate of $3,060 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how location helps determine insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates for a targeted area 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.
Additional Rate Analysis
The chart below shows estimated Toyota bz4X insurance rates for other coverage scenarios.
- The lowest rate with discounts is $788
- Drivers who choose higher $1,000 deductibles will pay approximately $242 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,420
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,890
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,060 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,910 a year
Insurance prices for a Toyota bz4X also have a wide range based on your driving characteristics, the trim level of your bz4X, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,020 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,284 | -$136 | -9.6% |
| Alaska | $1,088 | -$332 | -23.4% |
| Arizona | $1,178 | -$242 | -17.0% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,354 | -$66 | -4.6% |
| Connecticut | $1,456 | $36 | 2.5% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,774 | $354 | 24.9% |
| Georgia | $1,310 | -$110 | -7.7% |
| Hawaii | $1,020 | -$400 | -28.2% |
| Idaho | $960 | -$460 | -32.4% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,070 | -$350 | -24.6% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,348 | -$72 | -5.1% |
| Kentucky | $1,936 | $516 | 36.3% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $874 | -$546 | -38.5% |
| Maryland | $1,170 | -$250 | -17.6% |
| Massachusetts | $1,132 | -$288 | -20.3% |
| Michigan | $2,464 | $1,044 | 73.5% |
| Minnesota | $1,190 | -$230 | -16.2% |
| Mississippi | $1,700 | $280 | 19.7% |
| Missouri | $1,258 | -$162 | -11.4% |
| Montana | $1,524 | $104 | 7.3% |
| Nebraska | $1,118 | -$302 | -21.3% |
| Nevada | $1,702 | $282 | 19.9% |
| New Hampshire | $1,026 | -$394 | -27.7% |
| New Jersey | $1,584 | $164 | 11.5% |
| New Mexico | $1,256 | -$164 | -11.5% |
| New York | $1,494 | $74 | 5.2% |
| North Carolina | $816 | -$604 | -42.5% |
| North Dakota | $1,162 | -$258 | -18.2% |
| Ohio | $980 | -$440 | -31.0% |
| Oklahoma | $1,456 | $36 | 2.5% |
| Oregon | $1,302 | -$118 | -8.3% |
| Pennsylvania | $1,352 | -$68 | -4.8% |
| Rhode Island | $1,892 | $472 | 33.2% |
| South Carolina | $1,284 | -$136 | -9.6% |
| South Dakota | $1,198 | -$222 | -15.6% |
| Tennessee | $1,244 | -$176 | -12.4% |
| Texas | $1,710 | $290 | 20.4% |
| Utah | $1,050 | -$370 | -26.1% |
| Vermont | $970 | -$450 | -31.7% |
| Virginia | $852 | -$568 | -40.0% |
| Washington | $1,094 | -$326 | -23.0% |
| West Virginia | $1,304 | -$116 | -8.2% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,262 | -$158 | -11.1% |
Choosing high deductibles could save up to $720 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $222 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,700 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost as much as 45% to 134% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $376 | $688 | $246 | $1,420 |
| 2023 Toyota bz4X | $358 | $660 | $258 | $1,386 |
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 Best Cheap Toyota bz4X Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a quick review of the information covered in the charts and tables above.
- Drivers can save approximately $180 per year simply by shopping early and online
- Drivers under the age of 20 are charged the highest prices, as much as $409 per month for full coverage
- Increasing policy deductibles can save around $700 each year
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,640 more annually to insure a Toyota bz4X
- Policyholders who want increased liability limits will pay about $270 each year to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,910 |
| 20 | $3,246 |
| 30 | $1,508 |
| 40 | $1,420 |
| 50 | $1,292 |
| 60 | $1,268 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,890 |
| $250 | $1,670 |
| $500 | $1,420 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,469 |
| 100/300 | $1,531 |
| 250/500 | $1,691 |
| 100 CSL | $1,494 |
| 300 CSL | $1,629 |
| 500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,084 |
| 20 | $5,166 |
| 30 | $3,156 |
| 40 | $3,060 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $79 |
| Multi-vehicle | $72 |
| Homeowner | $18 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $74 |
| Advance Quote | $75 |
| Online Quote | $105 |
| Total Discounts | $632 |
Discounts are estimated and may not be available from every company or in every state.
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