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.

Estimated insurance prices for a Toyota 4Runner are $884 every 12 months for full coverage. Comprehensive insurance costs on average $168, collision insurance costs $182, and liability insurance is estimated at $398. Liability-only coverage costs approximately $444 a year, and high-risk coverage costs $1,882 or more. Teenage drivers pay the most at up to $3,484 a year.

Average premium for full coverage: $884

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different 4Runner trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $540
• Choosing higher $1,000 deductibles can save around $80 a year
• The average price for a 40-year-old good driver with $500 deductibles is $884
• Using more expensive low deductibles for comp and collision coverage costs an extra $148 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,882
• An auto insurance policy to insure a teen driver with full coverage may cost $3,484 each year

View Chart as Image

Insurance prices for a Toyota 4Runner also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your 4Runner.

Using high physical damage deductibles can save as much as $230 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $3,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,500 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 126% more than a normal policy. View High Risk Driver Rates

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 $580 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Best Toyota 4Runner Insurance

Finding better rates on Toyota 4Runner insurance takes being a good driver, having good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to shop around every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following list is a brief recap of the information raised in the charts and tables above.

• Drivers can save as much as $100 per year just by shopping early and online
• Drivers age 16 to 20 pay the highest prices, as much as $290 per month if they have full coverage
• Increasing policy deductibles could save as much as $225 each year
• High-risk drivers who tend to receive serious violations pay an average of $1,000 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to a 250/500 level

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