Toyota bz4X Insurance Rates

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Compare 2023 Toyota bz4X Insurance Quotes in 2025

Want lower auto insurance rates for your Toyota bz4X? Trying to find low-cost insurance for a new or used Toyota bz4X could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a new or used Toyota and locate the best price possible either online or from local in...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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Average insurance prices for a Toyota bz4X are $1,386 every 12 months including full coverage. Comprehensive insurance costs an estimated $358 a year, collision costs $660, and liability coverage is estimated at $258. A policy with just liability insurance costs approximately $306 a year, with coverage for high-risk drivers costing $2,990 or more. 16-year-old drivers receive the highest rates at $4,834 a year or more.

Average premium for full coverage: $1,386

Rate estimates broken down by individual coverage type:

Comprehensive $358
Collision $660
Liability $258

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and bz4X trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $306 for just liability coverage to a high of $2,990 for a driver required to buy high-risk insurance.

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 the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

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

These examples highlight why it is important to get quotes for a targeted area and their own driving history, rather than using rate 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.

Detailed Rate Analysis

The chart below breaks down estimated Toyota bz4X insurance rates for other coverage scenarios.

  • The best full coverage rate is $772
  • Choosing higher $1,000 deductibles can save approximately $1,156 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,386
  • Buying low $100 deductibles for comp and collision coverage costs an extra $452 each year
  • Drivers with multiple tickets or accidents could pay up to $2,990 or more
  • The cost to insure a teenage driver can cost as much as $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

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

Opting for high physical damage deductibles can save as much as $690 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $232 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges around 46% to 129% more than the average rate. View High Risk Driver Rates

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 $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,980 on average in Louisiana, New York, and Michigan.

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

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and 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 Shop for the Right Toyota bz4X Insurance

Saving money on auto insurance takes being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a quick rundown of the data touched on in this article.

  • Consumers who want an increased level of liability coverage will pay around $280 per year to raise limits from a minimum limit to a 250/500 level
  • You may be able to save approximately $180 per year simply by quoting early and online
  • Increasing deductibles could save as much as $675 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $403 per month if full coverage is included

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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