Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota bz4X are $1,386 a year with full coverage. Comprehensive insurance costs approximately $358 a year, collision costs $660, and liability is estimated at $258. A policy with only liability insurance costs approximately $306 a year, with a high-risk policy costing $2,990 or more. 16-year-old drivers pay the most at $4,834 a year or more.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and bz4X trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota bz4X go from the low end price of $306 for basic liability insurance to a high of $2,990 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why it is important to get quotes using their specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below details estimated Toyota bz4X insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $772
- Choosing higher $1,000 deductibles can save $1,156 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,386
- Buying low $100 deductibles for comp and collision coverage will cost an additional $452 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,990 or more
- An auto insurance policy that insures a 16-year-old driver can cost $4,834 each year
Car insurance prices for a Toyota bz4X also have a wide range based on the trim level of your bz4X, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges from 46% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota bz4X insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $690 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $232 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.
| 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 Affordable Toyota bz4X Insurance
Finding better rates on insurance for a Toyota bz4X takes avoiding accidents and violations, having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop every year by requesting quotes from direct companies, and also from local insurance agencies.
The list below is a brief review of the coverage data covered above.
- You may be able to save around $180 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $675 each year
- Teenagers pay the highest auto insurance prices, possibly costing $403 per month if full coverage is purchased
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,600 more per year for car 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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