Toyota bz4X Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota bz4X are $1,386 annually for full coverage. Comprehensive insurance costs around $358 each year, collision insurance costs $660, and liability is $258. Liability-only coverage costs around $306 a year, and high-risk coverage costs $2,990 or more. Teen drivers pay the most at up to $4,834 a year.

Average premium for full coverage: $1,386

Premium estimates for type of coverage:

Comprehensive $358
Collision $660
Liability $258

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and bz4X models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Toyota bz4X range from as cheap as $306 for a discount liability-only rate to a high rate of $2,990 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

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

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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 shows average Toyota bz4X insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $772
  • Raising to $1,000 deductibles will save about $230 a year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,386
  • Choosing low deductibles costs an additional $452 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,990
  • An auto insurance policy with full coverage for a 16-year-old driver can be $4,834

View Chart as Image

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

Insurance prices for a Toyota bz4X also have a wide range based on the model of your bz4X, your driver profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 46% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $690 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $232 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota bz4X insurance prices. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,980 on average in Michigan, Louisiana, 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
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 Buy Affordable Toyota bz4X Insurance

Finding better rates on insurance for a Toyota bz4X consists of having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a brief review of the information covered in the charts and tables above.

  • Drivers can save up to $180 per year just by quoting online in advance
  • Drivers age 20 and younger pay higher prices, as much as $403 per month including comprehensive and collision insurance
  • Increasing policy deductibles could save up to $675 each year
  • Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,600 more every year to buy Toyota bz4X insurance
  • Insureds who may need increased levels of liability coverage will pay about $280 each year to raise from 30/60 bodily injury limits to higher 250/500 limits

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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