Toyota bz4X Insurance Rates

Average insurance rates for a Toyota bz4X are $1,386 a year including full coverage. Comprehensive costs approximately $358, collision insurance costs $660, and liability coverage costs $258. Liability-only coverage costs as little as $306 a year, and high-risk coverage costs around $2,990. 16-year-old drivers receive the highest rates at up to $4,834 a year.

Average premium for full coverage: $1,386

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all bz4X models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why everyone should compare rates using their specific location, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Toyota bz4X insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $772
• Drivers who choose higher $1,000 deductibles will pay $230 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,386
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,838
• High-risk insureds with multiple tickets or accidents could pay around $2,990
• The cost that insures a teenage driver for full coverage can cost $4,834 a year

View Chart as Image

Car insurance rates for a Toyota bz4X can also vary considerably based on the model of your bz4X, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Toyota bz4X insurance for high-risk drivers can cost around 46% to 129% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you live makes a big difference in Toyota bz4X insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $690 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $232 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota bz4X Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The list below is a recap of the coverage data covered in the above illustrations.

• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $675 each year
• Teenagers pay the highest auto insurance rates, as much as $403 per month if full coverage is purchased
• Drivers that have major violations or accidents will likely pay on average $1,600 more per year for car insurance