Toyota 4Runner Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance rates for a Toyota 4Runner are $1,272 a year for full coverage. Comprehensive costs approximately $298, collision costs $474, and liability coverage is estimated at $364. Liability-only coverage costs approximately $416 a year, with high-risk coverage costing around $2,736. Teen drivers pay the most at $4,662 a year or more.
Average premium for full coverage: $1,272
Premium estimates by type of coverage:
Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all 4Runner models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota 4Runner go from the low end price of $416 for basic liability insurance to the much higher price of $2,736 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.
The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences show why everyone should get quotes using their specific location, rather than 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.
Rate Comparisons
The chart below shows estimated Toyota 4Runner insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $735
- Choosing higher $1,000 deductibles can save $176 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,272
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,610
- Drivers with multiple violations and an at-fault accident could pay around $2,736 or more
- An auto insurance policy that insures a teenage driver for full coverage can cost $4,662 each year
Insurance prices for a Toyota 4Runner also have a wide range based on the model of your 4Runner, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,000 extra annually, depending on your age. Toyota 4Runner insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota 4Runner insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,810 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$124 | -9.7% |
| Alaska | $976 | -$296 | -23.3% |
| Arizona | $1,054 | -$218 | -17.1% |
| Arkansas | $1,272 | -$0 | 0.0% |
| California | $1,450 | $178 | 14.0% |
| Colorado | $1,212 | -$60 | -4.7% |
| Connecticut | $1,304 | $32 | 2.5% |
| Delaware | $1,436 | $164 | 12.9% |
| Florida | $1,588 | $316 | 24.8% |
| Georgia | $1,176 | -$96 | -7.5% |
| Hawaii | $914 | -$358 | -28.1% |
| Idaho | $864 | -$408 | -32.1% |
| Illinois | $948 | -$324 | -25.5% |
| Indiana | $960 | -$312 | -24.5% |
| Iowa | $856 | -$416 | -32.7% |
| Kansas | $1,206 | -$66 | -5.2% |
| Kentucky | $1,734 | $462 | 36.3% |
| Louisiana | $1,882 | $610 | 48.0% |
| Maine | $786 | -$486 | -38.2% |
| Maryland | $1,052 | -$220 | -17.3% |
| Massachusetts | $1,014 | -$258 | -20.3% |
| Michigan | $2,208 | $936 | 73.6% |
| Minnesota | $1,066 | -$206 | -16.2% |
| Mississippi | $1,524 | $252 | 19.8% |
| Missouri | $1,128 | -$144 | -11.3% |
| Montana | $1,366 | $94 | 7.4% |
| Nebraska | $1,002 | -$270 | -21.2% |
| Nevada | $1,524 | $252 | 19.8% |
| New Hampshire | $916 | -$356 | -28.0% |
| New Jersey | $1,422 | $150 | 11.8% |
| New Mexico | $1,126 | -$146 | -11.5% |
| New York | $1,338 | $66 | 5.2% |
| North Carolina | $732 | -$540 | -42.5% |
| North Dakota | $1,042 | -$230 | -18.1% |
| Ohio | $878 | -$394 | -31.0% |
| Oklahoma | $1,304 | $32 | 2.5% |
| Oregon | $1,164 | -$108 | -8.5% |
| Pennsylvania | $1,212 | -$60 | -4.7% |
| Rhode Island | $1,694 | $422 | 33.2% |
| South Carolina | $1,154 | -$118 | -9.3% |
| South Dakota | $1,074 | -$198 | -15.6% |
| Tennessee | $1,112 | -$160 | -12.6% |
| Texas | $1,532 | $260 | 20.4% |
| Utah | $940 | -$332 | -26.1% |
| Vermont | $870 | -$402 | -31.6% |
| Virginia | $760 | -$512 | -40.3% |
| Washington | $982 | -$290 | -22.8% |
| West Virginia | $1,164 | -$108 | -8.5% |
| Wisconsin | $878 | -$394 | -31.0% |
| Wyoming | $1,130 | -$142 | -11.2% |
Choosing high deductibles can save as much as $520 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $1,164 | $97 |
| Toyota 4Runner SR/5 2WD | $1,204 | $100 |
| Toyota 4Runner Sport 4WD | $1,244 | $104 |
| Toyota 4Runner SR/5 4WD | $1,244 | $104 |
| Toyota 4Runner Trail Edition 4WD | $1,312 | $109 |
| Toyota 4Runner Limited 2WD | $1,350 | $113 |
| Toyota 4Runner Limited 4WD | $1,350 | $113 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2018 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2017 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2015 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2014 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
| 2012 Toyota 4Runner | $202 | $268 | $402 | $1,008 |
| 2009 Toyota 4Runner | $174 | $202 | $402 | $914 |
| 2008 Toyota 4Runner | $168 | $182 | $398 | $884 |
| 2007 Toyota 4Runner | $166 | $178 | $390 | $870 |
| 2006 Toyota 4Runner | $162 | $168 | $384 | $850 |
| 2005 Toyota 4Runner | $148 | $160 | $380 | $824 |
| 2004 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 Find the Best Cheap Toyota 4Runner Insurance
Finding better rates on auto insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.
The following is a quick review of the data covered in the above illustrations.
- Consumers who purchase higher liability limits will pay about $400 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
- Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $525 each year
- Teens are expensive to insure, as much as $389 per month if full coverage is included
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2019 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
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.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -25% |
| Property Damage | -8% |
| Comprehensive | -17% |
| Personal Injury | -24% |
| Medical Payment | -34% |
| Bodily Injury | -25% |
| Source: Insurance Institute for Highway Safety |
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.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,902 |
| 30 | $1,330 |
| 40 | $1,272 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,454 |
| $500 | $1,272 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,272 |
| 50/100 | $1,423 |
| 100/300 | $1,514 |
| 250/500 | $1,750 |
| 100 CSL | $1,459 |
| 300 CSL | $1,659 |
| 500 CSL | $1,805 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,660 |
| 20 | $4,614 |
| 30 | $2,796 |
| 40 | $2,736 |
| 50 | $2,606 |
| 60 | $2,582 |
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 | $68 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $58 |
| Advance Quote | $62 |
| Online Quote | $91 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
