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Toyota 4Runner Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Looking for affordable Toyota 4Runner insurance rates? The average 4Runner insurance costs are $111 per month or $1,332 annually. 

Are Toyotas more expensive to insure than other vehicle models? Lots of variables impact your car insurance rates besides what brand of vehicle you drive.

For example, experienced drivers with perfect driving records will receive cheap car insurance quotes easier than younger drivers. 

Model year is one factor that will impact insurance rates. 2020 Toyota 4Runner car insurance costs will be higher than 2004 Toyota 4Runner car insurance costs.

Whether you drive a used Toyota 4Runner or are considering buying a brand new Toyota 4Runner 2021 model, read through our comprehensive guide to better understand how your car insurance rates are calculated. 

Before you buy Toyota 4Runner auto insurance, shop around. We can help you find affordable Toyota 4Runner car insurance rates from multiple companies.

Ready to find out how much you should pay for a 4Runner? Enter your five-digit ZIP code into our FREE quote comparison tool above to compare the best Toyota 4Runner car insurance rates.

U.S. average auto insurance rates for a Toyota 4Runner are $1,312 annually with full coverage. Comprehensive costs on average $332, collision insurance costs $512, and liability costs around $332. Liability-only insurance costs as low as $388 a year, and high-risk driver insurance costs around $2,804. 16-year-old drivers pay the highest rates at up to $4,702 a year.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Comprehensive $332
Collision $512
Liability $332

Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist coverage. Estimates are averaged for all U.S. states and for different 4Runner trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota 4Runner insurance prices range from as cheap as $388 for only liability insurance to a much higher rate of $2,804 for a policy for a high-risk driver.

Liability Only $388
Full Coverage $1,312
High Risk $2,804

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have fewer collision claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $984
Small Cities $1,378
Large Cities $1,771

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using rate 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.

Insurance Rate Analysis

The chart below details average Toyota 4Runner insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $758
  • Using higher $1,000 deductibles will save around $194 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,312
  • Buying more expensive low deductibles for physical damage coverage will cost $1,680
  • Drivers with multiple tickets or accidents could pay upwards of $2,804
  • The price with full coverage for a teen driver with full coverage may cost $4,702 or more

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing Toyota 4Runner insurance rates range from $758 to $4,702 for full coverage

Car insurance prices for a Toyota 4Runner are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be as much as 45% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $570 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota 4Runner insurance prices. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$128 -9.8%
Alaska $1,006 -$306 -23.3%
Arizona $1,086 -$226 -17.2%
Arkansas $1,312 -$0 0.0%
California $1,494 $182 13.9%
Colorado $1,250 -$62 -4.7%
Connecticut $1,346 $34 2.6%
Delaware $1,480 $168 12.8%
Florida $1,636 $324 24.7%
Georgia $1,212 -$100 -7.6%
Hawaii $940 -$372 -28.4%
Idaho $888 -$424 -32.3%
Illinois $974 -$338 -25.8%
Indiana $988 -$324 -24.7%
Iowa $884 -$428 -32.6%
Kansas $1,244 -$68 -5.2%
Kentucky $1,788 $476 36.3%
Louisiana $1,938 $626 47.7%
Maine $810 -$502 -38.3%
Maryland $1,082 -$230 -17.5%
Massachusetts $1,044 -$268 -20.4%
Michigan $2,276 $964 73.5%
Minnesota $1,098 -$214 -16.3%
Mississippi $1,568 $256 19.5%
Missouri $1,164 -$148 -11.3%
Montana $1,408 $96 7.3%
Nebraska $1,032 -$280 -21.3%
Nevada $1,570 $258 19.7%
New Hampshire $944 -$368 -28.0%
New Jersey $1,466 $154 11.7%
New Mexico $1,158 -$154 -11.7%
New York $1,378 $66 5.0%
North Carolina $754 -$558 -42.5%
North Dakota $1,074 -$238 -18.1%
Ohio $902 -$410 -31.3%
Oklahoma $1,344 $32 2.4%
Oregon $1,200 -$112 -8.5%
Pennsylvania $1,250 -$62 -4.7%
Rhode Island $1,748 $436 33.2%
South Carolina $1,188 -$124 -9.5%
South Dakota $1,106 -$206 -15.7%
Tennessee $1,148 -$164 -12.5%
Texas $1,580 $268 20.4%
Utah $970 -$342 -26.1%
Vermont $896 -$416 -31.7%
Virginia $784 -$528 -40.2%
Washington $1,010 -$302 -23.0%
West Virginia $1,202 -$110 -8.4%
Wisconsin $906 -$406 -30.9%
Wyoming $1,168 -$144 -11.0%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota 4Runner Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota 4Runner Sport 2WD $1,196 $100
Toyota 4Runner SR/5 2WD $1,240 $103
Toyota 4Runner Sport 4WD $1,282 $107
Toyota 4Runner SR/5 4WD $1,282 $107
Toyota 4Runner Trail Edition 4WD $1,356 $113
Toyota 4Runner Limited 2WD $1,396 $116
Toyota 4Runner Limited 4WD $1,396 $116

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Toyota 4Runner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota 4Runner $332 $512 $332 $1,312
2019 Toyota 4Runner $320 $506 $338 $1,300
2018 Toyota 4Runner $308 $494 $354 $1,292
2017 Toyota 4Runner $298 $474 $364 $1,272
2016 Toyota 4Runner $282 $458 $376 $1,252
2015 Toyota 4Runner $270 $424 $384 $1,214
2014 Toyota 4Runner $260 $400 $388 $1,184
2013 Toyota 4Runner $248 $358 $390 $1,132
2012 Toyota 4Runner $232 $330 $390 $1,088
2011 Toyota 4Runner $224 $310 $394 $1,064
2010 Toyota 4Runner $220 $288 $402 $1,046
2009 Toyota 4Runner $202 $268 $402 $1,008
2008 Toyota 4Runner $198 $244 $406 $984
2007 Toyota 4Runner $184 $222 $402 $944
2006 Toyota 4Runner $174 $202 $402 $914
2005 Toyota 4Runner $168 $182 $398 $884
2004 Toyota 4Runner $166 $178 $390 $870
2003 Toyota 4Runner $162 $168 $384 $850
2002 Toyota 4Runner $148 $160 $380 $824
2001 Toyota 4Runner $144 $152 $376 $808

Rates are averaged for all Toyota 4Runner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Toyota 4Runner Insurance

Getting lower rates on car insurance requires being a safe driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Here is a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save as much as $160 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $550 each year
  • Young drivers are expensive to insure, costing up to $392 a month if comprehensive and collision insurance is included
  • Higher risk drivers with reckless driving or DUI convictions pay an average of $1,490 more each year for insurance

Is a Toyota 4Runner worth the money? As you’ve learned from the information above, many factors impact your overall insurance rates. If you found a Toyota 4Runner for sale, you can lower your insurance premiums by comparison shopping, and seeking out discounts.

Whether you drive a Toyota 4Runner TRD Pro or are looking for cheap 2003 4Runner insurance costs for your teen driver, enter your ZIP code into our FREE quote tool below to start comparing affordable rates. 

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What are the safety ratings for the Toyota 4Runner?

Understanding the Toyota 4Runner safety ratings can help you see what car insurance discounts your vehicle might qualify for. Poor ratings can sometimes reveal why your premiums are higher than average. 

Check out the Toyota 4Runner 2020 safety ratings below. 

  • Small overlap front (driver-side): Moderate
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights for this SUV scored poorly, and the vehicle did receive one ‘Moderate’ review. 

Overall, these safety ratings are just okay, but fortunately, this should not cause your car insurance premiums to increase. 

Toyota 4Runner Crash Test Ratings

Good crash test ratings mean cheaper insurance rates, as drivers are better protected in a crash.

Toyota 4Runner Crash Test Ratings 
Vehicle TestedOverallFrontalSideRollover
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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The Toyota 4Runner did not do great in the rollover crash tests, as it only earned 3-star ratings.

Toyota 4Runner Insurance Loss Probability

Low insurance loss probabilities mean lower rates, while high insurance loss probabilities mean higher insurance rates. Take a look at the Toyota 4Runner’s insurance loss probabilities below.

Toyota 4Runner Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage-8%
Personal Injury-24%
Medical Payment-34%
Bodily Injury-25%
Source: Insurance Institute for Highway Safety
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The Toyota 4Runner has great insurance loss probabilities, as they are all negative.

Toyota 4Runner Compared Against other Vehicles in the Same Class

Comparing the Toyota 4Runner to similar vehicles can help you save money, especially if the Toyota 4Runner has better insurance loss ratios across the board than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies the 4Runner as a midsize SUV. Take a look at some other comparable midsize SUVs in the list below.

Overall, the Toyota 4Runner’s loss ratios are average or better than average. Specifically, the collision, comprehensive, personal injury, and medical payment loss ratios for this vehicle are all better than average. This will reflect positively in your annual car insurance rates. 

You are now an expert on finding cheap Toyota 4Runner insurance costs. Is Toyota 4Runner a good car for you? If so, make sure you’re getting the cheapest car insurance rates possible. 

Enter your five-digit ZIP code into our FREE quote tool to start immediately comparing rates from multiple Toyota 4Runner auto insurance companies.


  1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
  2. https://www.nhtsa.gov/ratings


Rates by Driver Age

Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $4,702
20 $2,972
30 $1,376
40 $1,312
50 $1,194
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,680
$250 $1,512
$500 $1,312
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,312
50/100 $1,462
100/300 $1,545
250/500 $1,761
100 CSL $1,496
300 CSL $1,678
500 CSL $1,811

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $6,724
20 $4,720
30 $2,878
40 $2,804
50 $2,670
60 $2,644

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 $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $61
Advance Quote $64
Online Quote $94
Total Discounts $554
Rate after discounts $758

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

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