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.

Average auto insurance rates for a Toyota 4Runner are $914 annually for full coverage. Comprehensive insurance costs approximately $174, collision costs $202, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $1,950 or more. Teens receive the highest rates at $3,590 a year or more.

Average premium for full coverage: $914

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different 4Runner trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

These examples show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows estimated Toyota 4Runner insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $555
• Using higher $1,000 deductibles will save $86 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $914
• Selecting more expensive low deductibles for physical damage coverage costs an additional $160 a year
• Drivers with serious driving violations could pay around $1,950 or more
• The cost with full coverage for a teen driver with full coverage can cost $3,590 or more

View Chart as Image

Insurance rates for a Toyota 4Runner can also vary considerably based on the trim level of your 4Runner, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,100 to $1,500 extra per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota 4Runner insurance rates. A driver around age 40 might see rates as low as $600 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different between companies.

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 Buy the Right Toyota 4Runner Insurance

Saving money on Toyota 4Runner insurance requires avoiding accidents and claims, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The points below are a quick rundown of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $100 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions pay on average $1,040 more per year to insure a Toyota 4Runner
• Increasing deductibles could save up to $250 each year
• Drivers under the age of 20 are expensive to insure, costing as high as $299 per month including comprehensive and collision insurance

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