Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota bz4X are $1,386 every 12 months for full coverage insurance. Comprehensive insurance costs on average $358 a year, collision costs $660, and liability insurance is $258. Liability-only insurance costs around $306 a year, with high-risk driver insurance costing $2,990 or more. Teens pay the most at $4,834 a year or more.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and bz4X trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota bz4X go from the cheapest price of $306 for just the minimum liability insurance to a high of $2,990 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own driving history, 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.
Additional Rate Analysis
The chart below illustrates estimated Toyota bz4X insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $772
- Raising to $1,000 deductibles will save around $1,156 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,386
- Selecting low $100 deductibles costs an extra $452 a year
- Higher-risk drivers with serious driving violations could pay upwards of $2,990 or more
- An auto insurance policy to insure a teen driver may cost $4,834
Insurance prices for a Toyota bz4X also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your bz4X.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $690 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $232 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 46% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota bz4X insurance rates. A middle-age driver might find prices as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,870 on average in Michigan, New York, 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $376 | $688 | $246 | $1,420 |
| 2023 Toyota bz4X | $358 | $660 | $258 | $1,386 |
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 More Affordable Toyota bz4X Insurance
Finding better rates on Toyota bz4X insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The following list is a summary of the material that was illustrated above.
- Drivers who require an increased level of liability coverage will pay approximately $280 annually to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 pay higher prices, with premiums being up to $403 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,600 more each year than a safer driver
- Increasing policy deductibles could save as much as $675 each year
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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