Toyota 4Runner Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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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 insurance prices for a Toyota 4Runner are $884 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $168 a year, collision insurance costs $182, and liability is $398. Buying just liability costs around $444 a year, and insurance for high-risk drivers costs $1,882 or more. Teenage drivers pay the highest rates at up to $3,484 a year.
Average premium for full coverage: $884
Price estimates by individual coverage:
These estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 4Runner trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota 4Runner insurance prices range from the cheapest price of $444 for just the minimum liability insurance to a high of $1,882 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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 Analysis
The chart below illustrates average Toyota 4Runner insurance rates for additional coverage and risk scenarios.
- The best discount rate is $540
- Raising to $1,000 deductibles will save $804 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $884
- Using low $100 deductibles costs an extra $148 annually
- Drivers who are prone to accidents and violations could pay around $1,882
- The price to insure a 16-year-old driver can cost $3,484
Insurance prices for a Toyota 4Runner are also quite variable based on deductibles and policy limits, your risk profile, and the model of your 4Runner.
Using high physical damage deductibles can reduce prices by up to $230 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,000 to $1,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 126% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Toyota 4Runner insurance prices. A middle-age driver might find prices as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,190 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $798 | -$86 | -9.7% |
| Alaska | $678 | -$206 | -23.3% |
| Arizona | $732 | -$152 | -17.2% |
| Arkansas | $884 | -$0 | 0.0% |
| California | $1,006 | $122 | 13.8% |
| Colorado | $842 | -$42 | -4.8% |
| Connecticut | $906 | $22 | 2.5% |
| Delaware | $998 | $114 | 12.9% |
| Florida | $1,102 | $218 | 24.7% |
| Georgia | $816 | -$68 | -7.7% |
| Hawaii | $634 | -$250 | -28.3% |
| Idaho | $598 | -$286 | -32.4% |
| Illinois | $658 | -$226 | -25.6% |
| Indiana | $664 | -$220 | -24.9% |
| Iowa | $596 | -$288 | -32.6% |
| Kansas | $838 | -$46 | -5.2% |
| Kentucky | $1,204 | $320 | 36.2% |
| Louisiana | $1,306 | $422 | 47.7% |
| Maine | $546 | -$338 | -38.2% |
| Maryland | $728 | -$156 | -17.6% |
| Massachusetts | $702 | -$182 | -20.6% |
| Michigan | $1,532 | $648 | 73.3% |
| Minnesota | $740 | -$144 | -16.3% |
| Mississippi | $1,058 | $174 | 19.7% |
| Missouri | $782 | -$102 | -11.5% |
| Montana | $946 | $62 | 7.0% |
| Nebraska | $694 | -$190 | -21.5% |
| Nevada | $1,060 | $176 | 19.9% |
| New Hampshire | $636 | -$248 | -28.1% |
| New Jersey | $988 | $104 | 11.8% |
| New Mexico | $778 | -$106 | -12.0% |
| New York | $928 | $44 | 5.0% |
| North Carolina | $508 | -$376 | -42.5% |
| North Dakota | $724 | -$160 | -18.1% |
| Ohio | $608 | -$276 | -31.2% |
| Oklahoma | $904 | $20 | 2.3% |
| Oregon | $810 | -$74 | -8.4% |
| Pennsylvania | $840 | -$44 | -5.0% |
| Rhode Island | $1,178 | $294 | 33.3% |
| South Carolina | $800 | -$84 | -9.5% |
| South Dakota | $746 | -$138 | -15.6% |
| Tennessee | $770 | -$114 | -12.9% |
| Texas | $1,064 | $180 | 20.4% |
| Utah | $652 | -$232 | -26.2% |
| Vermont | $602 | -$282 | -31.9% |
| Virginia | $526 | -$358 | -40.5% |
| Washington | $682 | -$202 | -22.9% |
| West Virginia | $810 | -$74 | -8.4% |
| Wisconsin | $610 | -$274 | -31.0% |
| Wyoming | $786 | -$98 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $838 | $70 |
| Toyota 4Runner SR/5 2WD | $856 | $71 |
| Toyota 4Runner Sport 4WD | $872 | $73 |
| Toyota 4Runner SR/5 4WD | $872 | $73 |
| Toyota 4Runner Trail Edition 4WD | $900 | $75 |
| Toyota 4Runner Limited 2WD | $916 | $76 |
| Toyota 4Runner Limited 4WD | $916 | $76 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota 4Runner | $320 | $506 | $338 | $1,300 |
| 2023 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2022 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2021 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2020 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2019 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2018 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2017 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2016 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
| 2015 Toyota 4Runner | $220 | $288 | $402 | $1,046 |
| 2014 Toyota 4Runner | $202 | $268 | $402 | $1,008 |
| 2013 Toyota 4Runner | $198 | $244 | $406 | $984 |
| 2012 Toyota 4Runner | $184 | $222 | $402 | $944 |
| 2011 Toyota 4Runner | $174 | $202 | $402 | $914 |
| 2010 Toyota 4Runner | $168 | $182 | $398 | $884 |
| 2009 Toyota 4Runner | $166 | $178 | $390 | $870 |
| 2008 Toyota 4Runner | $162 | $168 | $384 | $850 |
| 2007 Toyota 4Runner | $148 | $160 | $380 | $824 |
| 2006 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 Shop for Cheap Toyota 4Runner Insurance
Getting lower rates on insurance for a Toyota 4Runner consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a brief summary of the data raised in the charts and tables above.
- Insureds who purchase higher liability limits will pay an extra $440 annually to raise from a low limit to a 250/500 level
- It is possible to save around $100 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $225 each year
- Teens are the costliest to insure, as much as $290 a 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.
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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 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.
Toyota 4Runner Insurance Loss Probability| 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 | $3,484 |
| 20 | $1,990 |
| 30 | $900 |
| 40 | $884 |
| 50 | $812 |
| 60 | $794 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,032 |
| $250 | $964 |
| $500 | $884 |
| $1,000 | $804 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $884 |
| 50/100 | $996 |
| 100/300 | $1,095 |
| 250/500 | $1,354 |
| 100 CSL | $1,035 |
| 300 CSL | $1,254 |
| 500 CSL | $1,414 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,908 |
| 20 | $3,166 |
| 30 | $1,900 |
| 40 | $1,882 |
| 50 | $1,796 |
| 60 | $1,778 |
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 | $45 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $60 |
| Total Discounts | $344 |
Discounts are estimated and may not be available from every company or in every state.
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