Toyota bz4X Insurance Rates

U.S. average insurance rates for a Toyota bz4X are $1,386 a year for full coverage insurance. Comprehensive insurance costs an estimated $358 a year, collision insurance costs $660, and liability costs $258. A policy with just liability insurance costs as little as $306 a year, and coverage for high-risk drivers costs $2,990 or more. 16-year-old drivers pay the highest rates at up to $4,834 a year.

Average premium for full coverage: $1,386

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and bz4X trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area, instead of using rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Toyota bz4X insurance rates for other coverage scenarios.

• The best full coverage rate is $772
• Drivers who choose higher $1,000 deductibles will pay approximately $1,156 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,386
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $452 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,990
• The price that insures a teen driver can cost as much as $4,834 a year

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Insurance prices for a Toyota bz4X are also quite variable based on the trim level of your bz4X, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 46% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,870 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles could save up to $690 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $232 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Toyota bz4X Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every other policy renewal by quoting rates from direct insurance companies, and also from local insurance agencies.

The list below is a brief review of the ideas that were touched on in this article.

• Teenagers are charged the highest prices, as much as $403 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,600 more annually for car insurance
• Increasing physical damage deductibles can save approximately $675 each year
• It is possible to save approximately $180 per year just by quoting early and online