Toyota 4Runner Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,272 every 12 months including full coverage. Comprehensive costs on average $298 a year, collision costs $474, and liability insurance costs around $364. Liability-only coverage costs as low as $416 a year, with high-risk coverage costing around $2,736. 16-year-old drivers pay the highest rates at $4,662 a year or more.
Average premium for full coverage: $1,272
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and 4Runner trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota 4Runner insurance prices go from the cheapest price of $416 for basic liability insurance to a high of $2,736 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and their own driving history, rather than relying on rate 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 breaks down estimated Toyota 4Runner insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $735
- Using higher $1,000 deductibles will save around $1,096 every year
- The average price for the average middle-age driver with $500 deductibles is $1,272
- Buying low $100 deductibles for physical damage coverage increases the price to $1,610
- Drivers with multiple tickets or accidents could pay upwards of $2,736 or more
- The price to insure a teen driver may cost $4,662 or more
Auto insurance prices for a Toyota 4Runner are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your 4Runner.
Opting for high physical damage deductibles could cut prices by as much as $520 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Toyota 4Runner insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,810 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite 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 Shop for the Best Toyota 4Runner Insurance
Getting lower rates on Toyota 4Runner insurance requires being a good driver, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to comparison shop every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the material that was touched on in the above illustrations.
- Drivers who require an increased level of liability coverage will pay around $400 per year to increase from a low limit to a 250/500 level
- Drivers age 16 to 20 are charged the highest prices, possibly costing $389 a month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations may pay on average $1,460 more each year than a safer driver
- Increasing physical damage deductibles could save as much as $525 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.
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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.
| 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.
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