Toyota bz4X Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Toyota bz4X are $1,386 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:

Comprehensive $358
Collision $660
Liability $258

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

For the average 40-year-old driver, insurance rates for a Toyota bz4X range from the low end price of $306 for the bare minimum liability coverage to a high of $2,990 for a policy for a high-risk driver.

Liability Only $306
Full Coverage $1,386
High Risk $2,990

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.

Rural Areas $1,040
Small Cities $1,455
Large Cities $1,871

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Toyota bz4X insurance cost comparison chart
Column chart showing Toyota bz4X insurance rates range from $772 to $4,834 for full coverage

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.

Toyota bz4X Insurance Rates by State
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%

View Chart as Image

Toyota bz4X insurance rates by U.S. city

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

Toyota bz4X Insurance Rates by Model Year
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 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

Rates by Driver Age

Toyota bz4X Insurance 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

Toyota bz4X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,838
$250 $1,630
$500 $1,386
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Toyota bz4X Insurance Rates with Different Liability Limits
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

Toyota bz4X Insurance 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.

SR-22 Surcharge $196

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
Rate after discounts $772

Discounts are estimated and may not be available from every company or in every state.

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