Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Toyota bz4X are $1,420 every 12 months for full coverage insurance. Comprehensive costs around $376, collision insurance costs $688, and liability is estimated at $246. Buying just liability costs approximately $298 a year, and insurance for high-risk drivers costs around $3,060. 16-year-old drivers pay the highest rates at up to $4,910 a year.
Average premium for full coverage: $1,420
Price estimates for individual coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different bz4X trim levels.
Price Range from Low to High
For a driver around age 40, Toyota bz4X insurance prices range from the cheapest price of $298 for minimum levels of liability insurance to a much higher rate of $3,060 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, 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.
Additional Rate Details
The chart below illustrates average Toyota bz4X insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $788
- Choosing higher $1,000 deductibles can save about $242 each year
- The average price for the average middle-age driver using $500 deductibles is $1,420
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,890
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,060
- The price to insure a 16-year-old driver with full coverage can be $4,910 each year
Insurance prices for a Toyota bz4X are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $720 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $222 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,200 additional each year, depending on your age. High-risk driver insurance ranges from 45% to 134% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota bz4X insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,920 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,284 | -$136 | -9.6% |
Alaska | $1,088 | -$332 | -23.4% |
Arizona | $1,178 | -$242 | -17.0% |
Arkansas | $1,420 | -$0 | 0.0% |
California | $1,618 | $198 | 13.9% |
Colorado | $1,354 | -$66 | -4.6% |
Connecticut | $1,456 | $36 | 2.5% |
Delaware | $1,606 | $186 | 13.1% |
Florida | $1,774 | $354 | 24.9% |
Georgia | $1,310 | -$110 | -7.7% |
Hawaii | $1,020 | -$400 | -28.2% |
Idaho | $960 | -$460 | -32.4% |
Illinois | $1,058 | -$362 | -25.5% |
Indiana | $1,070 | -$350 | -24.6% |
Iowa | $958 | -$462 | -32.5% |
Kansas | $1,348 | -$72 | -5.1% |
Kentucky | $1,936 | $516 | 36.3% |
Louisiana | $2,102 | $682 | 48.0% |
Maine | $874 | -$546 | -38.5% |
Maryland | $1,170 | -$250 | -17.6% |
Massachusetts | $1,132 | -$288 | -20.3% |
Michigan | $2,464 | $1,044 | 73.5% |
Minnesota | $1,190 | -$230 | -16.2% |
Mississippi | $1,700 | $280 | 19.7% |
Missouri | $1,258 | -$162 | -11.4% |
Montana | $1,524 | $104 | 7.3% |
Nebraska | $1,118 | -$302 | -21.3% |
Nevada | $1,702 | $282 | 19.9% |
New Hampshire | $1,026 | -$394 | -27.7% |
New Jersey | $1,584 | $164 | 11.5% |
New Mexico | $1,256 | -$164 | -11.5% |
New York | $1,494 | $74 | 5.2% |
North Carolina | $816 | -$604 | -42.5% |
North Dakota | $1,162 | -$258 | -18.2% |
Ohio | $980 | -$440 | -31.0% |
Oklahoma | $1,456 | $36 | 2.5% |
Oregon | $1,302 | -$118 | -8.3% |
Pennsylvania | $1,352 | -$68 | -4.8% |
Rhode Island | $1,892 | $472 | 33.2% |
South Carolina | $1,284 | -$136 | -9.6% |
South Dakota | $1,198 | -$222 | -15.6% |
Tennessee | $1,244 | -$176 | -12.4% |
Texas | $1,710 | $290 | 20.4% |
Utah | $1,050 | -$370 | -26.1% |
Vermont | $970 | -$450 | -31.7% |
Virginia | $852 | -$568 | -40.0% |
Washington | $1,094 | -$326 | -23.0% |
West Virginia | $1,304 | -$116 | -8.2% |
Wisconsin | $982 | -$438 | -30.8% |
Wyoming | $1,262 | -$158 | -11.1% |
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 Affordable Toyota bz4X Insurance
Getting lower rates on insurance for a Toyota bz4X takes having a decent driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief review of the primary concepts that were covered above.
- It is possible to save up to $180 per year just by shopping early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,640 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $700 each year
- 16 to 18-year-old drivers are charged the highest prices, as much as $409 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,910 |
20 | $3,246 |
30 | $1,508 |
40 | $1,420 |
50 | $1,292 |
60 | $1,268 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,890 |
$250 | $1,670 |
$500 | $1,420 |
$1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,420 |
50/100 | $1,469 |
100/300 | $1,531 |
250/500 | $1,691 |
100 CSL | $1,494 |
300 CSL | $1,629 |
500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,084 |
20 | $5,166 |
30 | $3,156 |
40 | $3,060 |
50 | $2,912 |
60 | $2,886 |
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 | $79 |
Multi-vehicle | $72 |
Homeowner | $18 |
5-yr Accident Free | $115 |
5-yr Claim Free | $94 |
Paid in Full/EFT | $74 |
Advance Quote | $75 |
Online Quote | $105 |
Total Discounts | $632 |
Discounts are estimated and may not be available from every company or in every state.
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