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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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:

Comprehensive $376
Collision $688
Liability $246

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.

Liability Only $298
Full Coverage $1,420
High Risk $3,060

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.

Rural Areas $1,065
Small Cities $1,491
Large Cities $1,917

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

View Chart as Image

Toyota bz4X insurance cost comparison chart
Column chart showing Toyota bz4X insurance rates range from $788 to $4,910 for full coverage

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.

Toyota bz4X Insurance Rates by State
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%

View Chart as Image

Toyota bz4X insurance rates by U.S. city
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 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

Rates by Driver Age

Toyota bz4X Insurance 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

Toyota bz4X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,890
$250 $1,670
$500 $1,420
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Toyota bz4X Insurance Rates with Different Liability Limits
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

Toyota bz4X Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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