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 rates for a Toyota 4Runner are $884 a year including full coverage. Comprehensive insurance costs an estimated $168 each year, collision costs $182, and liability insurance is estimated at $398. A policy with only liability insurance costs approximately $444 a year, with a high-risk policy costing $1,882 or more. Teenage drivers pay the most at $3,484 a year or more.

Average premium for full coverage: $884

Premium estimates broken down by type of coverage:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and 4Runner models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Toyota 4Runner insurance rates for other coverage scenarios.

• The best discount rate is $540
• Choosing higher $1,000 deductibles can save approximately $80 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $884
• Using low deductibles for comp and collision coverage will cost an additional $148 a year
• High-risk insureds who are prone to accidents and violations could pay up to $1,882 or more
• An auto insurance policy that insures a teen driver can cost as much as $3,484 each year

View Chart as Image

Car insurance prices for a Toyota 4Runner also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,000 to $1,500 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 126% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision 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 teens with perfect driving records will be charged at least $3,400 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 $680 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,260 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $230 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

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 More Affordable Toyota 4Runner Insurance

Finding better rates on Toyota 4Runner insurance takes having a good driving record, having a positive credit history, refrain from filing small claims, and not having any coverage lapses. Compare prices every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a summary of the material that was presented in the illustrations above.

• Drivers who want increased levels of liability coverage will pay an extra $440 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $290 per month if full coverage is purchased
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,000 more annually to buy Toyota 4Runner insurance
• Increasing policy deductibles can save approximately $225 each year

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