Toyota bz4X Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota bz4X are $1,386 a year for full coverage. Comprehensive costs around $358, collision costs $660, and liability insurance costs around $258. Liability-only coverage costs as low as $306 a year, with high-risk coverage costing around $2,990. Teens pay the most at $4,834 a year or more.
Average premium for full coverage: $1,386
Premium estimates for type of coverage:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different bz4X trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota bz4X go from as low as $306 for just liability insurance to a much higher rate of $2,990 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.
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.
More Rate Details
The chart below shows estimated Toyota bz4X insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $772
- Using higher $1,000 deductibles will save about $230 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,386
- Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,838
- Drivers with serious driving violations could pay at least $2,990 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can be $4,834 or more
Insurance prices for a Toyota bz4X also have a wide range based on your driving characteristics, the trim level of your bz4X, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota bz4X insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,980 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $690 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $232 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be anywhere from 46% to 129% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different from one company to the next.
| 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 the Best Toyota bz4X Insurance
Finding better rates on Toyota bz4X insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below is a brief recap of the coverage data presented in the illustrations above.
- Drivers can save up to $180 per year simply by shopping early and online
- Increasing policy deductibles can save around $675 each year
- Teenage drivers pay higher prices, as much as $403 per month for full coverage
- High-risk drivers who tend to receive serious violations may be required to pay an average of $1,600 more every year for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,838 |
| $250 | $1,630 |
| $500 | $1,386 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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