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: Apr 8, 2024

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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.

Average insurance prices for a Toyota 4Runner are $914 every 12 months for full coverage. Comprehensive insurance costs an estimated $174 each year, collision insurance costs $202, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $1,950 or more. Teenage drivers receive the highest rates at up to $3,590 a year.

Average premium for full coverage: $914

Rate estimates broken down by individual coverage type:

Comprehensive $174
Collision $202
Liability $402

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and 4Runner models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $446 for your basic liability-only policy to a high rate of $1,950 for a high-risk insurance policy.

Liability Only $446
Full Coverage $914
High Risk $1,950

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

Rural Areas $686
Small Cities $960
Large Cities $1,234

These examples show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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.

More Rate Information

The chart below shows average Toyota 4Runner insurance rates for other coverage scenarios.

  • The best discount rate is $555
  • Raising to $1,000 deductibles will save approximately $86 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $914
  • Using low deductibles costs an extra $160 every year
  • At-risk drivers who are prone to accidents and violations could pay up to $1,950
  • The cost to insure a teen driver can cost as much as $3,590

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing Toyota 4Runner insurance prices range from $555 to $3,590 for full coverage

Auto insurance rates for a Toyota 4Runner can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $250 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $3,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Toyota 4Runner insurance prices. A middle-age driver might find rates as low as $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,300 on average in New York, Louisiana, and Michigan.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $824 -$90 -9.8%
Alaska $698 -$216 -23.6%
Arizona $758 -$156 -17.1%
Arkansas $914 -$0 0.0%
California $1,040 $126 13.8%
Colorado $870 -$44 -4.8%
Connecticut $938 $24 2.6%
Delaware $1,030 $116 12.7%
Florida $1,138 $224 24.5%
Georgia $844 -$70 -7.7%
Hawaii $656 -$258 -28.2%
Idaho $618 -$296 -32.4%
Illinois $680 -$234 -25.6%
Indiana $688 -$226 -24.7%
Iowa $614 -$300 -32.8%
Kansas $866 -$48 -5.3%
Kentucky $1,244 $330 36.1%
Louisiana $1,352 $438 47.9%
Maine $562 -$352 -38.5%
Maryland $752 -$162 -17.7%
Massachusetts $728 -$186 -20.4%
Michigan $1,582 $668 73.1%
Minnesota $764 -$150 -16.4%
Mississippi $1,094 $180 19.7%
Missouri $810 -$104 -11.4%
Montana $980 $66 7.2%
Nebraska $718 -$196 -21.4%
Nevada $1,094 $180 19.7%
New Hampshire $658 -$256 -28.0%
New Jersey $1,022 $108 11.8%
New Mexico $806 -$108 -11.8%
New York $960 $46 5.0%
North Carolina $526 -$388 -42.5%
North Dakota $750 -$164 -17.9%
Ohio $630 -$284 -31.1%
Oklahoma $936 $22 2.4%
Oregon $836 -$78 -8.5%
Pennsylvania $870 -$44 -4.8%
Rhode Island $1,216 $302 33.0%
South Carolina $826 -$88 -9.6%
South Dakota $770 -$144 -15.8%
Tennessee $798 -$116 -12.7%
Texas $1,100 $186 20.4%
Utah $676 -$238 -26.0%
Vermont $622 -$292 -31.9%
Virginia $548 -$366 -40.0%
Washington $704 -$210 -23.0%
West Virginia $836 -$78 -8.5%
Wisconsin $630 -$284 -31.1%
Wyoming $812 -$102 -11.2%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

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 $864 $72
Toyota 4Runner SR/5 2WD $882 $74
Toyota 4Runner Sport 4WD $902 $75
Toyota 4Runner SR/5 4WD $902 $75
Toyota 4Runner Trail Edition 4WD $932 $78
Toyota 4Runner Limited 2WD $950 $79
Toyota 4Runner Limited 4WD $950 $79

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.

Toyota 4Runner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota 4Runner $332 $512 $332 $1,312
2023 Toyota 4Runner $320 $506 $338 $1,300
2022 Toyota 4Runner $308 $494 $354 $1,292
2021 Toyota 4Runner $298 $474 $364 $1,272
2020 Toyota 4Runner $282 $458 $376 $1,252
2019 Toyota 4Runner $270 $424 $384 $1,214
2018 Toyota 4Runner $260 $400 $388 $1,184
2017 Toyota 4Runner $248 $358 $390 $1,132
2016 Toyota 4Runner $232 $330 $390 $1,088
2015 Toyota 4Runner $224 $310 $394 $1,064
2014 Toyota 4Runner $220 $288 $402 $1,046
2013 Toyota 4Runner $202 $268 $402 $1,008
2012 Toyota 4Runner $198 $244 $406 $984
2011 Toyota 4Runner $184 $222 $402 $944
2010 Toyota 4Runner $174 $202 $402 $914
2009 Toyota 4Runner $168 $182 $398 $884
2008 Toyota 4Runner $166 $178 $390 $870
2007 Toyota 4Runner $162 $168 $384 $850
2006 Toyota 4Runner $148 $160 $380 $824
2005 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 Right Toyota 4Runner Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the car insurance concepts illustrated above.

  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,040 more annually than a driver with a clean driving record
  • Drivers can save approximately $100 per year just by quoting online in advance
  • Increasing deductibles could save as much as $250 each year
  • Policyholders who want additional liability coverage will pay an extra $440 each year to raise from a minimum limit 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. 

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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 $3,590
20 $2,064
30 $932
40 $914
50 $836
60 $818

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,074
$250 $1,000
$500 $914
$1,000 $828

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $914
50/100 $1,030
100/300 $1,131
250/500 $1,392
100 CSL $1,071
300 CSL $1,292
500 CSL $1,453

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $5,064
20 $3,284
30 $1,972
40 $1,950
50 $1,860
60 $1,842

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 $120

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $56
5-yr Claim Free $57
Paid in Full/EFT $33
Advance Quote $40
Online Quote $62
Total Discounts $359
Rate after discounts $555

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

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