Toyota bz4X Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $358
Collision $660
Liability $258

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.

Liability Only $306
Full Coverage $1,386
High Risk $2,990

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.

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

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

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 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.

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 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.

Toyota bz4X Insurance Rates by Model Year
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

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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