Toyota 4Runner Insurance Rates
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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 rates for a Toyota 4Runner are $944 a year with full coverage. Comprehensive insurance costs approximately $184, collision insurance costs $222, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs $2,020 or more. Teens receive the highest rates at up to $3,686 a year.
Average premium for full coverage: $944
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different 4Runner trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $446 for just liability insurance to a much higher rate of $2,020 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on averaged prices.
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 Details
The chart below details average Toyota 4Runner insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $570
- Raising to $1,000 deductibles will save $92 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $944
- Selecting more expensive low deductibles will cost an additional $176 a year
- Higher-risk drivers with serious driving violations could pay around $2,020
- The cost that insures a teen driver with full coverage can cost $3,686
Insurance rates for a Toyota 4Runner can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age
Where you live also has a big influence on Toyota 4Runner insurance rates. A middle-age driver might find rates as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,270 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$90 | -9.5% |
| Alaska | $724 | -$220 | -23.3% |
| Arizona | $782 | -$162 | -17.2% |
| Arkansas | $944 | -$0 | 0.0% |
| California | $1,076 | $132 | 14.0% |
| Colorado | $900 | -$44 | -4.7% |
| Connecticut | $970 | $26 | 2.8% |
| Delaware | $1,066 | $122 | 12.9% |
| Florida | $1,178 | $234 | 24.8% |
| Georgia | $874 | -$70 | -7.4% |
| Hawaii | $678 | -$266 | -28.2% |
| Idaho | $638 | -$306 | -32.4% |
| Illinois | $704 | -$240 | -25.4% |
| Indiana | $712 | -$232 | -24.6% |
| Iowa | $636 | -$308 | -32.6% |
| Kansas | $896 | -$48 | -5.1% |
| Kentucky | $1,286 | $342 | 36.2% |
| Louisiana | $1,398 | $454 | 48.1% |
| Maine | $584 | -$360 | -38.1% |
| Maryland | $780 | -$164 | -17.4% |
| Massachusetts | $754 | -$190 | -20.1% |
| Michigan | $1,638 | $694 | 73.5% |
| Minnesota | $790 | -$154 | -16.3% |
| Mississippi | $1,130 | $186 | 19.7% |
| Missouri | $838 | -$106 | -11.2% |
| Montana | $1,014 | $70 | 7.4% |
| Nebraska | $742 | -$202 | -21.4% |
| Nevada | $1,130 | $186 | 19.7% |
| New Hampshire | $680 | -$264 | -28.0% |
| New Jersey | $1,056 | $112 | 11.9% |
| New Mexico | $834 | -$110 | -11.7% |
| New York | $994 | $50 | 5.3% |
| North Carolina | $544 | -$400 | -42.4% |
| North Dakota | $774 | -$170 | -18.0% |
| Ohio | $650 | -$294 | -31.1% |
| Oklahoma | $966 | $22 | 2.3% |
| Oregon | $864 | -$80 | -8.5% |
| Pennsylvania | $900 | -$44 | -4.7% |
| Rhode Island | $1,258 | $314 | 33.3% |
| South Carolina | $856 | -$88 | -9.3% |
| South Dakota | $798 | -$146 | -15.5% |
| Tennessee | $824 | -$120 | -12.7% |
| Texas | $1,138 | $194 | 20.6% |
| Utah | $698 | -$246 | -26.1% |
| Vermont | $644 | -$300 | -31.8% |
| Virginia | $566 | -$378 | -40.0% |
| Washington | $728 | -$216 | -22.9% |
| West Virginia | $864 | -$80 | -8.5% |
| Wisconsin | $652 | -$292 | -30.9% |
| Wyoming | $840 | -$104 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $270 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $892 | $74 |
| Toyota 4Runner SR/5 2WD | $910 | $76 |
| Toyota 4Runner Sport 4WD | $932 | $78 |
| Toyota 4Runner SR/5 4WD | $932 | $78 |
| Toyota 4Runner Trail Edition 4WD | $966 | $81 |
| Toyota 4Runner Limited 2WD | $984 | $82 |
| Toyota 4Runner Limited 4WD | $984 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota 4Runner | $348 | $532 | $316 | $1,332 |
| 2023 Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| 2022 Toyota 4Runner | $320 | $506 | $338 | $1,300 |
| 2021 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2020 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2019 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2018 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2017 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2016 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2015 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2014 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
| 2013 Toyota 4Runner | $220 | $288 | $402 | $1,046 |
| 2012 Toyota 4Runner | $202 | $268 | $402 | $1,008 |
| 2011 Toyota 4Runner | $198 | $244 | $406 | $984 |
| 2010 Toyota 4Runner | $184 | $222 | $402 | $944 |
| 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 |
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 Low Cost Toyota 4Runner Insurance
Saving money on Toyota 4Runner insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a review of the data covered above.
- Drivers who purchase higher levels of liability will pay approximately $440 every year to raise from a minimum limit to the 250/500 level
- You may be able to save around $110 per year just by shopping early and online
- Increasing deductibles can save approximately $275 each year
- Teenage drivers are the costliest to insure, with premiums as much as $307 per month if comprehensive and collision insurance is included
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 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.
Toyota 4Runner Insurance Loss Probability| 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 | $3,686 |
| 20 | $2,136 |
| 30 | $966 |
| 40 | $944 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,120 |
| $250 | $1,040 |
| $500 | $944 |
| $1,000 | $852 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $944 |
| 50/100 | $1,064 |
| 100/300 | $1,165 |
| 250/500 | $1,426 |
| 100 CSL | $1,105 |
| 300 CSL | $1,326 |
| 500 CSL | $1,487 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,208 |
| 20 | $3,398 |
| 30 | $2,044 |
| 40 | $2,020 |
| 50 | $1,926 |
| 60 | $1,906 |
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 | $48 |
| Multi-vehicle | $50 |
| Homeowner | $16 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $374 |
Discounts are estimated and may not be available from every company or in every state.
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