Toyota bz4X Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota bz4X are $1,386 a year with full coverage. Comprehensive insurance costs around $358 each year, collision costs $660, and liability coverage is estimated at $258. Buying just liability costs approximately $306 a year, with insurance for high-risk drivers costing $2,990 or more. Teen drivers receive the highest rates at $4,834 a year or more.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Comprehensive $358
Collision $660
Liability $258

Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and bz4X models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $306 for basic liability insurance to a high rate of $2,990 for a high-risk insurance policy.

Liability Only $306
Full Coverage $1,386
High Risk $2,990

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,040
Small Cities $1,455
Large Cities $1,871

These examples demonstrate why all drivers should get quotes for a specific zip code, rather than using 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.

Rate Comparisons

The chart below details estimated Toyota bz4X insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $772
  • Choosing higher $1,000 deductibles can save about $230 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,386
  • Choosing low deductibles for comp and collision coverage will cost an additional $452 each year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,990 or more
  • The cost that insures a teenage driver can be $4,834 each year

View Chart as Image

Toyota bz4X insurance cost comparison chart
Column chart showing full coverage Toyota bz4X insurance prices range from $772 to $4,834

Auto insurance rates for a Toyota bz4X can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 46% to 129% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota bz4X insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,870 on average in Florida, Michigan, and New York.

Toyota bz4X Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,254 -$132 -9.5%
Alaska $1,064 -$322 -23.2%
Arizona $1,152 -$234 -16.9%
Arkansas $1,386 -$0 0.0%
California $1,582 $196 14.1%
Colorado $1,324 -$62 -4.5%
Connecticut $1,422 $36 2.6%
Delaware $1,570 $184 13.3%
Florida $1,732 $346 25.0%
Georgia $1,282 -$104 -7.5%
Hawaii $996 -$390 -28.1%
Idaho $940 -$446 -32.2%
Illinois $1,034 -$352 -25.4%
Indiana $1,044 -$342 -24.7%
Iowa $936 -$450 -32.5%
Kansas $1,316 -$70 -5.1%
Kentucky $1,890 $504 36.4%
Louisiana $2,052 $666 48.1%
Maine $854 -$532 -38.4%
Maryland $1,144 -$242 -17.5%
Massachusetts $1,106 -$280 -20.2%
Michigan $2,408 $1,022 73.7%
Minnesota $1,162 -$224 -16.2%
Mississippi $1,662 $276 19.9%
Missouri $1,228 -$158 -11.4%
Montana $1,490 $104 7.5%
Nebraska $1,090 -$296 -21.4%
Nevada $1,662 $276 19.9%
New Hampshire $1,000 -$386 -27.8%
New Jersey $1,548 $162 11.7%
New Mexico $1,228 -$158 -11.4%
New York $1,460 $74 5.3%
North Carolina $796 -$590 -42.6%
North Dakota $1,134 -$252 -18.2%
Ohio $958 -$428 -30.9%
Oklahoma $1,422 $36 2.6%
Oregon $1,272 -$114 -8.2%
Pennsylvania $1,322 -$64 -4.6%
Rhode Island $1,850 $464 33.5%
South Carolina $1,258 -$128 -9.2%
South Dakota $1,170 -$216 -15.6%
Tennessee $1,214 -$172 -12.4%
Texas $1,670 $284 20.5%
Utah $1,026 -$360 -26.0%
Vermont $948 -$438 -31.6%
Virginia $832 -$554 -40.0%
Washington $1,070 -$316 -22.8%
West Virginia $1,274 -$112 -8.1%
Wisconsin $960 -$426 -30.7%
Wyoming $1,234 -$152 -11.0%

View Chart as Image

Toyota bz4X insurance rates by U.S. city

Choosing high deductibles can save as much as $690 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $232 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different.

Toyota bz4X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota bz4X $358 $660 $258 $1,386
2023 Toyota bz4X $344 $656 $264 $1,374

Rates are averaged for all Toyota bz4X 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 Cheaper Toyota bz4X Insurance

Saving money on auto insurance takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the car insurance concepts illustrated above.

  • Drivers with multiple at-fault accidents may pay on average $1,600 more every year to buy Toyota bz4X insurance
  • You may be able to save up to $180 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $675 each year
  • Consumers who may need increased levels of liability coverage will pay about $280 every year to raise limits from a minimum limit to the 250/500 level

Rates by Driver Age

Toyota bz4X Insurance Rates by Driver Age
Driver Age Premium
16 $4,834
20 $3,176
30 $1,470
40 $1,386
50 $1,262
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Toyota bz4X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,838
$250 $1,630
$500 $1,386
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Toyota bz4X Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,386
50/100 $1,438
100/300 $1,502
250/500 $1,670
100 CSL $1,463
300 CSL $1,605
500 CSL $1,709

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota bz4X Insurance Rates for High Risk Drivers
Age Premium
16 $6,970
20 $5,056
30 $3,084
40 $2,990
50 $2,848
60 $2,822

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.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $70
Homeowner $18
5-yr Accident Free $112
5-yr Claim Free $91
Paid in Full/EFT $71
Advance Quote $73
Online Quote $102
Total Discounts $614
Rate after discounts $772

Discounts are estimated and may not be available from every company or in every state.

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