Toyota 4Runner Insurance Rates

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.

The average insurance prices for a Toyota 4Runner are $914 every 12 months for full coverage. Comprehensive costs an estimated $174, collision insurance costs $202, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs around $1,950. Teenage drivers cost the most to insure at up to $3,590 a year.

Average premium for full coverage: $914

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different 4Runner trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Toyota 4Runner insurance rates for other coverage scenarios.

• The best discount rate is $555
• Using higher $1,000 deductibles will save approximately $86 a year
• The average price for a good driver age 40 who has $500 deductibles is $914
• Using more expensive low deductibles for physical damage coverage increases the price to $1,074
• Drivers who are prone to accidents and violations could pay up to $1,950
• Policy cost to insure a teen driver with full coverage can cost as much as $3,590 or more

View Chart as Image

Car insurance rates for a Toyota 4Runner also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $250 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota 4Runner insurance rates. A driver around age 40 might see rates as low as $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Cheapest Toyota 4Runner Insurance

Finding cheaper rates on Toyota 4Runner insurance requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a recap of the ideas that were illustrated above.

• Youthful drivers have the highest car insurance rates, costing up to $299 each month if the policy includes full coverage
• High-risk drivers that have major violations or accidents pay on average $1,040 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Drivers can save approximately $100 per year just by shopping early and online

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. 

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 

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

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.

• Honda Pilot
• Jeep Cherokee
• Nissan Pathfinder

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: 

1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
2. https://www.nhtsa.gov/ratings