Toyota 4Runner Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 5, 2023
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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 insurance rates for a Toyota 4Runner are $914 a year for full coverage. Comprehensive insurance costs around $174, collision costs $202, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing $1,950 or more. Teen drivers pay the highest rates at $3,590 a year or more.
Average premium for full coverage: $914
Price estimates for individual coverage:
Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all 4Runner models.
Price Range from Low to High
For the average 40-year-old driver, Toyota 4Runner insurance prices go from as low as $446 for your basic liability-only policy to the much higher price of $1,950 for a policy for a high-risk driver.
Geographic Price Range
Where you live 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 difference location can make on auto insurance rates.
The ranges above show why everyone should compare prices 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.
More Rate Information
The chart below shows estimated Toyota 4Runner insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $555
- Using higher $1,000 deductibles will save about $86 a year
- The average rate for the average middle-age driver using $500 deductibles is $914
- Choosing pricier low deductibles for physical damage coverage will cost an extra $160 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $1,950 or more
- The price for full coverage for a 16-year-old driver for full coverage can be $3,590 or more
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 clean driving record and high deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $3,500 a year. View Rates by Age
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 $600 a year in states like Idaho, Maine, and Iowa, or as much as $1,300 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $250 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 $362 more per 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 $1,100 to $1,500 extra each year, depending on your age. Toyota 4Runner insurance for high-risk drivers can be from 42% to 134% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Toyota 4Runner Insurance
Getting lower rates on insurance for a Toyota 4Runner requires having a good driving record, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a brief recap of the coverage data touched on in this article.
- Drivers can save up to $100 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $250 each year
- Drivers age 20 and younger pay higher prices, with premiums as much as $299 a month for full coverage
- Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,040 more every year to buy Toyota 4Runner 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.
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 | $3,590 |
| 20 | $2,064 |
| 30 | $932 |
| 40 | $914 |
| 50 | $836 |
| 60 | $818 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,000 |
| $500 | $914 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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