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 3, 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.
Estimated insurance rates for a Toyota 4Runner are $914 a year with full coverage. Comprehensive insurance costs on average $174 each year, collision costs $202, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $1,950 or more. Teen drivers pay the most at $3,590 a year or more.
Average premium for full coverage: $914
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and 4Runner models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota 4Runner go from as low as $446 for a discount liability-only rate to a high rate of $1,950 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why all drivers should get quotes based on a specific location 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.
Rates by State, City, and Model
The chart below details estimated Toyota 4Runner insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $555
- Choosing higher $1,000 deductibles can save around $86 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $914
- Choosing low deductibles for comp and collision coverage will cost an extra $160 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,950 or more
- An auto insurance policy for full coverage for a 16-year-old driver may cost $3,590 each year
Insurance prices for a Toyota 4Runner also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota 4Runner insurance prices. A good driver about age 40 could pay as low as $660 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,230 on average in Florida, Michigan, 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 can save as much as $250 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,500 additional annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 134% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and prices will be substantially 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 More Affordable Toyota 4Runner Insurance
Finding better rates on insurance for a Toyota 4Runner takes being a safe and courteous driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below is a summary of the ideas that were covered in the charts and tables above.
- Teenage drivers pay higher prices, possibly costing $299 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,040 more each year for auto insurance
- Increasing policy deductibles can save around $250 each year
- You may be able to save as much as $100 per year simply by quoting online in advance
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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