Toyota bz4X Insurance Rates

The average insurance rates for a Toyota bz4X are $1,386 a year with full coverage. Comprehensive costs on average $358 a year, collision insurance costs $660, and liability insurance is estimated at $258. A liability-only policy costs approximately $306 a year, and high-risk insurance costs around $2,990. Teenage drivers cost the most to insure at up to $4,834 a year.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and bz4X trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details average Toyota bz4X insurance rates for different risk profiles and scenarios.

• The best discount rate is $772
• Choosing higher $1,000 deductibles can save around $1,156 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,386
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,838
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,990
• Policy cost for full coverage for a teen driver may cost $4,834 each year

View Chart as Image

Car insurance rates for a Toyota bz4X also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota bz4X insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $690 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $232 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 46% to 129% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Toyota bz4X Insurance

Finding cheaper rates on Toyota bz4X insurance takes being a low-risk driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief review of the coverage data covered in the charts and tables above.

• You may be able to save as much as $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $675 each year
• Teen drivers are expensive to insure, as much as $403 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,600 more each year to insure their bz4X