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.
U.S. average auto insurance rates for a Toyota 4Runner are $1,332 annually with full coverage. Comprehensive insurance costs approximately $348, collision insurance costs $532, and liability costs around $316. Liability-only insurance costs as low as $376 a year, and high-risk driver insurance costs $2,848 or more. Teenage drivers pay the highest rates at up to $4,736 a year.
Average premium for full coverage: $1,332
Price estimates by individual coverage:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all 4Runner models.
Price Range from Low to High
For the average driver, Toyota 4Runner insurance prices range from as cheap as $376 for just liability coverage to the much higher price of $2,848 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below details average Toyota 4Runner insurance rates for additional coverage and risk scenarios.
- The best discount rate is $769
- Using higher $1,000 deductibles will save $200 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,332
- Using pricier low deductibles for physical damage coverage costs an additional $384 every year
- Drivers who are prone to accidents and violations could pay around $2,848
- The price with full coverage for a teen driver for full coverage can cost $4,736 or more
Car insurance prices for a Toyota 4Runner are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Toyota 4Runner insurance for high-risk drivers can be as much as 44% to 126% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $590 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota 4Runner insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$128 | -9.6% |
| Alaska | $1,022 | -$310 | -23.3% |
| Arizona | $1,106 | -$226 | -17.0% |
| Arkansas | $1,332 | -$0 | 0.0% |
| California | $1,518 | $186 | 14.0% |
| Colorado | $1,272 | -$60 | -4.5% |
| Connecticut | $1,368 | $36 | 2.7% |
| Delaware | $1,506 | $174 | 13.1% |
| Florida | $1,664 | $332 | 24.9% |
| Georgia | $1,232 | -$100 | -7.5% |
| Hawaii | $958 | -$374 | -28.1% |
| Idaho | $902 | -$430 | -32.3% |
| Illinois | $992 | -$340 | -25.5% |
| Indiana | $1,004 | -$328 | -24.6% |
| Iowa | $900 | -$432 | -32.4% |
| Kansas | $1,264 | -$68 | -5.1% |
| Kentucky | $1,818 | $486 | 36.5% |
| Louisiana | $1,972 | $640 | 48.0% |
| Maine | $824 | -$508 | -38.1% |
| Maryland | $1,100 | -$232 | -17.4% |
| Massachusetts | $1,060 | -$272 | -20.4% |
| Michigan | $2,314 | $982 | 73.7% |
| Minnesota | $1,116 | -$216 | -16.2% |
| Mississippi | $1,596 | $264 | 19.8% |
| Missouri | $1,182 | -$150 | -11.3% |
| Montana | $1,432 | $100 | 7.5% |
| Nebraska | $1,048 | -$284 | -21.3% |
| Nevada | $1,598 | $266 | 20.0% |
| New Hampshire | $962 | -$370 | -27.8% |
| New Jersey | $1,490 | $158 | 11.9% |
| New Mexico | $1,178 | -$154 | -11.6% |
| New York | $1,404 | $72 | 5.4% |
| North Carolina | $766 | -$566 | -42.5% |
| North Dakota | $1,094 | -$238 | -17.9% |
| Ohio | $916 | -$416 | -31.2% |
| Oklahoma | $1,366 | $34 | 2.6% |
| Oregon | $1,222 | -$110 | -8.3% |
| Pennsylvania | $1,268 | -$64 | -4.8% |
| Rhode Island | $1,778 | $446 | 33.5% |
| South Carolina | $1,208 | -$124 | -9.3% |
| South Dakota | $1,124 | -$208 | -15.6% |
| Tennessee | $1,166 | -$166 | -12.5% |
| Texas | $1,606 | $274 | 20.6% |
| Utah | $986 | -$346 | -26.0% |
| Vermont | $910 | -$422 | -31.7% |
| Virginia | $798 | -$534 | -40.1% |
| Washington | $1,028 | -$304 | -22.8% |
| West Virginia | $1,222 | -$110 | -8.3% |
| Wisconsin | $922 | -$410 | -30.8% |
| Wyoming | $1,186 | -$146 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $1,212 | $101 |
| Toyota 4Runner SR/5 2WD | $1,258 | $105 |
| Toyota 4Runner Sport 4WD | $1,300 | $108 |
| Toyota 4Runner SR/5 4WD | $1,300 | $108 |
| Toyota 4Runner Trail Edition 4WD | $1,376 | $115 |
| Toyota 4Runner Limited 2WD | $1,422 | $119 |
| Toyota 4Runner Limited 4WD | $1,422 | $119 |
Rates assume 2024 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 Buy the Cheapest Toyota 4Runner Insurance
Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the data that was touched on above.
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher levels of liability will pay an extra $350 every year to increase from a low limit to higher 250/500 limits
- Teenage drivers pay the highest auto insurance prices, costing up to $395 a month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents may pay on average $1,520 more per year for auto 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.
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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.
| 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.
| 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 | $4,736 |
| 20 | $3,018 |
| 30 | $1,402 |
| 40 | $1,332 |
| 50 | $1,214 |
| 60 | $1,190 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,542 |
| $500 | $1,332 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,332 |
| 50/100 | $1,485 |
| 100/300 | $1,564 |
| 250/500 | $1,770 |
| 100 CSL | $1,517 |
| 300 CSL | $1,691 |
| 500 CSL | $1,817 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,780 |
| 20 | $4,788 |
| 30 | $2,922 |
| 40 | $2,848 |
| 50 | $2,708 |
| 60 | $2,680 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $563 |
Discounts are estimated and may not be available from every company or in every state.
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