Toyota bz4X Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Toyota bz4X are $1,374 every 12 months for full coverage. Comprehensive costs on average $344, collision insurance costs $656, and liability insurance costs around $264. Liability-only insurance costs as low as $312 a year, and high-risk driver insurance costs around $2,968. 16-year-old drivers pay the highest rates at up to $4,820 a year.
Average premium for full coverage: $1,374
Price estimates by individual coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all bz4X models.
Price Range from Low to High
For the average 40-year-old driver, Toyota bz4X insurance prices range from the cheapest price of $312 for just liability insurance to the much higher price of $2,968 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than congested cities. The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare prices based on a specific location and their own driving history, rather than relying 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.
More Rate Details
The chart below shows average Toyota bz4X insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $763
- Using higher $1,000 deductibles will save around $226 a year
- The average price for the average middle-age driver with $500 deductibles is $1,374
- Buying pricier low deductibles for physical damage coverage increases the price to $1,816
- Drivers with multiple tickets or accidents could pay upwards of $2,968
- The price to insure a teen driver for full coverage may cost $4,820 or more
Car insurance prices for a Toyota bz4X are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your bz4X.
Opting for high physical damage deductibles could cut prices by as much as $670 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $237 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Toyota bz4X insurance for high-risk drivers can be anywhere from 46% to 130% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Toyota bz4X insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or at least $1,960 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$132 | -9.6% |
| Alaska | $1,052 | -$322 | -23.4% |
| Arizona | $1,140 | -$234 | -17.0% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,564 | $190 | 13.8% |
| Colorado | $1,310 | -$64 | -4.7% |
| Connecticut | $1,410 | $36 | 2.6% |
| Delaware | $1,554 | $180 | 13.1% |
| Florida | $1,714 | $340 | 24.7% |
| Georgia | $1,268 | -$106 | -7.7% |
| Hawaii | $986 | -$388 | -28.2% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,022 | -$352 | -25.6% |
| Indiana | $1,034 | -$340 | -24.7% |
| Iowa | $926 | -$448 | -32.6% |
| Kansas | $1,302 | -$72 | -5.2% |
| Kentucky | $1,870 | $496 | 36.1% |
| Louisiana | $2,032 | $658 | 47.9% |
| Maine | $844 | -$530 | -38.6% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,096 | -$278 | -20.2% |
| Michigan | $2,382 | $1,008 | 73.4% |
| Minnesota | $1,148 | -$226 | -16.4% |
| Mississippi | $1,646 | $272 | 19.8% |
| Missouri | $1,218 | -$156 | -11.4% |
| Montana | $1,474 | $100 | 7.3% |
| Nebraska | $1,082 | -$292 | -21.3% |
| Nevada | $1,646 | $272 | 19.8% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,532 | $158 | 11.5% |
| New Mexico | $1,214 | -$160 | -11.6% |
| New York | $1,444 | $70 | 5.1% |
| North Carolina | $790 | -$584 | -42.5% |
| North Dakota | $1,124 | -$250 | -18.2% |
| Ohio | $948 | -$426 | -31.0% |
| Oklahoma | $1,408 | $34 | 2.5% |
| Oregon | $1,260 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$66 | -4.8% |
| Rhode Island | $1,830 | $456 | 33.2% |
| South Carolina | $1,244 | -$130 | -9.5% |
| South Dakota | $1,158 | -$216 | -15.7% |
| Tennessee | $1,202 | -$172 | -12.5% |
| Texas | $1,652 | $278 | 20.2% |
| Utah | $1,016 | -$358 | -26.1% |
| Vermont | $938 | -$436 | -31.7% |
| Virginia | $824 | -$550 | -40.0% |
| Washington | $1,060 | -$314 | -22.9% |
| West Virginia | $1,262 | -$112 | -8.2% |
| Wisconsin | $950 | -$424 | -30.9% |
| Wyoming | $1,220 | -$154 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $344 | $656 | $264 | $1,374 |
| 2023 Toyota bz4X | $332 | $640 | $274 | $1,356 |
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 Low Cost Toyota bz4X Insurance
Getting lower rates on Toyota bz4X insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a review of the data that was touched on in this article.
- Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
- Drivers who require an increased level of liability coverage will pay around $290 each year to increase from a low limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $402 a month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations pay an average of $1,590 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,820 |
| 20 | $3,156 |
| 30 | $1,454 |
| 40 | $1,374 |
| 50 | $1,252 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,816 |
| $250 | $1,610 |
| $500 | $1,374 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,427 |
| 100/300 | $1,493 |
| 250/500 | $1,664 |
| 100 CSL | $1,453 |
| 300 CSL | $1,598 |
| 500 CSL | $1,704 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,948 |
| 20 | $5,026 |
| 30 | $3,060 |
| 40 | $2,968 |
| 50 | $2,828 |
| 60 | $2,804 |
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 | $76 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $101 |
| Total Discounts | $611 |
Discounts are estimated and may not be available from every company or in every state.
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