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 rates for a Toyota 4Runner are $944 a year including full coverage. Comprehensive insurance costs an estimated $184 a year, collision costs $222, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,020 or more. Teen drivers receive the highest rates at $3,686 a year or more.

Average premium for full coverage: $944

Rate estimates broken down by individual coverage type:

Comprehensive $184
Collision $222
Liability $402

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 4Runner trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $446 for liability-only coverage to a high of $2,020 for a policy for a high-risk driver.

Liability Only $446
Full Coverage $944
High Risk $2,020

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

Rural Areas $708
Small Cities $991
Large Cities $1,274

These examples highlight why it is important to compare prices for a targeted area, rather than relying on price 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 breaks down estimated Toyota 4Runner insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $570
  • Using higher $1,000 deductibles will save approximately $852 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $944
  • Choosing low $100 deductibles for physical damage coverage will cost an additional $176 a year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,020 or more
  • The cost that insures a teen driver can cost as much as $3,686 or more

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance prices range from $570 to $3,686

Insurance rates for a Toyota 4Runner can also vary considerably based on the trim level of your 4Runner, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $3,600 a year. View Rates by Age

Where you live has a huge impact on Toyota 4Runner insurance rates. A driver around age 40 might see rates as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,350 on average in Louisiana, New York, and Michigan.

Toyota 4Runner Insurance Rates by State
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%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $270 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly 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 $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.

Toyota 4Runner Insurance Rates by Model Year
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 Cheap Toyota 4Runner Insurance

Saving money on Toyota 4Runner insurance requires being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Shop around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief summary of the coverage data touched on in the above illustrations.

  • You may be able to save approximately $110 per year simply by quoting early and online
  • Increasing deductibles can save approximately $275 each year
  • Teen drivers are charged the highest rates, as much as $307 per month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,080 more annually to insure their 4Runner

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
Property Damage-8%
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.




Rates by Driver Age

Toyota 4Runner Insurance 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

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,120
$250 $1,040
$500 $944
$1,000 $852

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
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

Toyota 4Runner Insurance 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.

SR-22 Surcharge $125

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
Rate after discounts $570

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

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