Toyota 4Runner Insurance Rates

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.

The average insurance rates for a Toyota 4Runner are $914 a year for full coverage. Comprehensive insurance costs an estimated $174, collision insurance costs $202, and liability costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs $1,950 or more. Teens cost the most to insure at up to $3,590 a year.

Average premium for full coverage: $914

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all 4Runner models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below shows average Toyota 4Runner insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $555
• Using higher $1,000 deductibles will save approximately $86 a year
• The average rate for a good driver age 40 who has $500 deductibles is $914
• Selecting pricier low deductibles for physical damage coverage will cost an extra $160 annually
• High-risk insureds with serious driving violations could pay up to $1,950
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $3,590 or more

View Chart as Image

Car insurance rates for a Toyota 4Runner also range considerably based on your risk profile, the trim level of your 4Runner, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,500 a year. View Rates by Age

Your home state has a huge impact on Toyota 4Runner insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,100 to $1,500 extra every year, depending on your age. Toyota 4Runner insurance for high-risk drivers can be from 42% to 134% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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.

How to Find Low Cost Toyota 4Runner Insurance

Finding cheaper rates on insurance for a Toyota 4Runner requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the concepts that were covered above.

• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,040 more annually for car insurance
• Teenagers have the highest car insurance rates, costing up to $299 each month if full coverage is included
• Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $250 each year
• Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date

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. 

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 

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

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.

• Honda Pilot
• Jeep Cherokee
• Nissan Pathfinder

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.

References: 

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