Toyota 4Runner Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 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 rates for a Toyota 4Runner are $1,272 a year for full coverage. Comprehensive costs around $298, collision costs $474, and liability insurance is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance 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 for individual coverage:

Comprehensive $298
Collision $474
Liability $364

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all 4Runner models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota 4Runner insurance prices go from the low end price of $416 for liability-only coverage to the much higher price of $2,736 for a high-risk driver policy.

Liability Only $416
Full Coverage $1,272
High Risk $2,736

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $954
Small Cities $1,336
Large Cities $1,717

The ranges above show why everyone should get quotes for a specific zip code, 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.

Additional Charts and Tables

The chart below shows estimated Toyota 4Runner insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $735
  • Choosing higher $1,000 deductibles can save about $176 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,272
  • Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,610
  • High-risk insureds with multiple tickets or accidents could pay at least $2,736 or more
  • The price that insures a teen driver for full coverage can be $4,662 each year

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance rates range from $735 to $4,662

Car insurance prices for a Toyota 4Runner are also quite variable based on the model of your 4Runner, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,000 extra each year, depending on your age. Toyota 4Runner insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota 4Runner insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,810 on average in Michigan, Louisiana, and New York.

Toyota 4Runner Insurance Rates by State
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%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Toyota 4Runner Insurance Rates by Model and Trim Level
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.

Toyota 4Runner Insurance Rates by Model Year
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 Find the Cheapest Toyota 4Runner Insurance

Getting lower rates on Toyota 4Runner insurance takes avoiding accidents and violations, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop every time your policy renews by getting rate quotes from direct carriers, and also from several local insurance agents.

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

  • Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
  • Teenagers are the costliest to insure, with premiums as much as $389 a month if full coverage is purchased
  • Increasing physical damage deductibles can save approximately $525 each year
  • High-risk drivers that have major violations or accidents pay on average $1,460 more every year for car insurance
  • Drivers who may need higher liability limits will pay around $400 each year to raise limits from a low limit to the 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. 

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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 TestedOverallFrontalSideRollover
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 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 CategoryLoss 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: 

  1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
  2. https://www.nhtsa.gov/ratings

 

Rates by Driver Age

Toyota 4Runner Insurance 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

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,454
$500 $1,272
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
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

Toyota 4Runner Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $735

Discounts are estimated and may not be available from every company or in every state.

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