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 rates for a Toyota 4Runner are $914 a year with full coverage. Comprehensive costs around $174 each year, collision costs $202, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $1,950. Teen drivers cost the most to insure at $3,590 a year or more.

Average premium for full coverage: $914

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 4Runner models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code, rather than using price averages.

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

Additional Charts and Tables

The chart below details estimated Toyota 4Runner insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $555
• Drivers who choose higher $1,000 deductibles will pay about $86 annually
• The estimated price for a good driver age 40 using $500 deductibles is $914
• Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,074
• High-risk insureds with multiple violations and an at-fault accident could pay at least $1,950 or more
• Policy cost that insures a teenage driver can be $3,590 a year

View Chart as Image

Insurance rates for a Toyota 4Runner also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 134% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,500 a year. View Rates by Age

Your home state makes a big difference in Toyota 4Runner insurance rates. A 40-year-old driver 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.

View Chart as Image

Choosing high deductibles could save up to $250 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so the rates will be varied.

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 Find the Cheapest Toyota 4Runner Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a recap of the concepts that were covered in the above illustrations.

• Drivers that have major violations or accidents may pay on average $1,040 more every year to insure a Toyota 4Runner
• Drivers under the age of 20 pay higher rates, as much as $299 each month if full coverage is included
• You may be able to save up to $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• You may be able to save up to $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. 

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