Toyota 4Runner Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Sep 2, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,292 a year for full coverage. Comprehensive costs around $308, collision insurance costs $494, and liability is $354. Liability-only coverage costs around $406 a year, and high-risk coverage costs around $2,778. Teen drivers pay the highest rates at up to $4,706 a year.
Average premium for full coverage: $1,292
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all 4Runner models.
Price Range from Low to High
For an average driver, Toyota 4Runner insurance prices range from as low as $406 for the bare minimum liability coverage to the much higher price of $2,778 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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 Rate Information
The chart below shows average Toyota 4Runner insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $746
- Raising to $1,000 deductibles will save about $182 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,292
- Choosing pricier low deductibles will increase the cost to $1,644
- Drivers with multiple violations and an at-fault accident could pay at least $2,778
- The price for full coverage for a 16-year-old driver for full coverage can be $4,706
Auto insurance prices for a Toyota 4Runner are also quite variable based on your driving record, the trim level of your 4Runner, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age
The state you live in also has a big influence on Toyota 4Runner insurance prices. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,166 | -$126 | -9.8% |
| Alaska | $992 | -$300 | -23.2% |
| Arizona | $1,072 | -$220 | -17.0% |
| Arkansas | $1,292 | -$0 | 0.0% |
| California | $1,474 | $182 | 14.1% |
| Colorado | $1,232 | -$60 | -4.6% |
| Connecticut | $1,326 | $34 | 2.6% |
| Delaware | $1,460 | $168 | 13.0% |
| Florida | $1,614 | $322 | 24.9% |
| Georgia | $1,192 | -$100 | -7.7% |
| Hawaii | $930 | -$362 | -28.0% |
| Idaho | $876 | -$416 | -32.2% |
| Illinois | $962 | -$330 | -25.5% |
| Indiana | $972 | -$320 | -24.8% |
| Iowa | $870 | -$422 | -32.7% |
| Kansas | $1,226 | -$66 | -5.1% |
| Kentucky | $1,760 | $468 | 36.2% |
| Louisiana | $1,912 | $620 | 48.0% |
| Maine | $798 | -$494 | -38.2% |
| Maryland | $1,066 | -$226 | -17.5% |
| Massachusetts | $1,030 | -$262 | -20.3% |
| Michigan | $2,242 | $950 | 73.5% |
| Minnesota | $1,082 | -$210 | -16.3% |
| Mississippi | $1,548 | $256 | 19.8% |
| Missouri | $1,148 | -$144 | -11.1% |
| Montana | $1,388 | $96 | 7.4% |
| Nebraska | $1,016 | -$276 | -21.4% |
| Nevada | $1,550 | $258 | 20.0% |
| New Hampshire | $930 | -$362 | -28.0% |
| New Jersey | $1,444 | $152 | 11.8% |
| New Mexico | $1,144 | -$148 | -11.5% |
| New York | $1,358 | $66 | 5.1% |
| North Carolina | $744 | -$548 | -42.4% |
| North Dakota | $1,058 | -$234 | -18.1% |
| Ohio | $890 | -$402 | -31.1% |
| Oklahoma | $1,324 | $32 | 2.5% |
| Oregon | $1,184 | -$108 | -8.4% |
| Pennsylvania | $1,232 | -$60 | -4.6% |
| Rhode Island | $1,724 | $432 | 33.4% |
| South Carolina | $1,172 | -$120 | -9.3% |
| South Dakota | $1,090 | -$202 | -15.6% |
| Tennessee | $1,130 | -$162 | -12.5% |
| Texas | $1,558 | $266 | 20.6% |
| Utah | $956 | -$336 | -26.0% |
| Vermont | $882 | -$410 | -31.7% |
| Virginia | $772 | -$520 | -40.2% |
| Washington | $998 | -$294 | -22.8% |
| West Virginia | $1,184 | -$108 | -8.4% |
| Wisconsin | $892 | -$400 | -31.0% |
| Wyoming | $1,148 | -$144 | -11.1% |
Choosing high deductibles can reduce prices by up to $540 annually, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Toyota 4Runner insurance for high-risk drivers is expensive and can cost from 45% to 130% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $1,182 | $99 |
| Toyota 4Runner SR/5 2WD | $1,222 | $102 |
| Toyota 4Runner Sport 4WD | $1,264 | $105 |
| Toyota 4Runner SR/5 4WD | $1,264 | $105 |
| Toyota 4Runner Trail Edition 4WD | $1,334 | $111 |
| Toyota 4Runner Limited 2WD | $1,374 | $115 |
| Toyota 4Runner Limited 4WD | $1,374 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2018 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2017 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2015 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2014 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2012 Toyota 4Runner | $220 | $288 | $402 | $1,046 |
| 2009 Toyota 4Runner | $184 | $222 | $402 | $944 |
| 2008 Toyota 4Runner | $174 | $202 | $402 | $914 |
| 2007 Toyota 4Runner | $168 | $182 | $398 | $884 |
| 2006 Toyota 4Runner | $166 | $178 | $390 | $870 |
| 2005 Toyota 4Runner | $162 | $168 | $384 | $850 |
| 2004 Toyota 4Runner | $148 | $160 | $380 | $824 |
| 2003 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 Low Cost Toyota 4Runner Insurance
Getting lower rates on insurance for a Toyota 4Runner consists of being a good driver, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,490 more every year than a safer driver
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $392 a month if they have full coverage
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $525 each year
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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 | $4,706 |
| 20 | $2,946 |
| 30 | $1,352 |
| 40 | $1,292 |
| 50 | $1,178 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,644 |
| $250 | $1,484 |
| $500 | $1,292 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,292 |
| 50/100 | $1,445 |
| 100/300 | $1,533 |
| 250/500 | $1,763 |
| 100 CSL | $1,480 |
| 300 CSL | $1,675 |
| 500 CSL | $1,817 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,728 |
| 20 | $4,684 |
| 30 | $2,846 |
| 40 | $2,778 |
| 50 | $2,644 |
| 60 | $2,618 |
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 | $69 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $59 |
| Advance Quote | $63 |
| Online Quote | $92 |
| Total Discounts | $546 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
