Toyota bz4X Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Toyota bz4X are $1,420 annually for full coverage. Comprehensive costs approximately $376, collision insurance costs $688, and liability is $246. Buying just liability costs around $298 a year, and insurance for high-risk drivers costs around $3,060. Teenage drivers pay the highest rates at up to $4,910 a year.
Average premium for full coverage: $1,420
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, split 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 an average driver, Toyota bz4X insurance prices range from as cheap as $298 for just liability insurance to the much higher price of $3,060 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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 additional coverage and risk scenarios.
- The best discount rate is $788
- Raising to $1,000 deductibles will save $242 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,420
- Using pricier low deductibles will cost $1,890
- Drivers who are prone to accidents and violations could pay around $3,060
- The price with full coverage for a 16-year-old driver for full coverage can cost $4,910
Insurance prices for a Toyota bz4X are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,200 additional each year, depending on your age. Toyota bz4X insurance for high-risk drivers is expensive and can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $720 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $222 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Toyota bz4X insurance prices. A middle-age driver might find prices as low as $940 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,020 on average in New York, Louisiana, and Michigan.
| 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 Buy the Best Cheap Toyota bz4X Insurance
Getting lower rates on insurance for a Toyota bz4X consists of having a good driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the primary concepts that were covered in the above illustrations.
- Drivers can save around $180 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,640 more per year to buy Toyota bz4X insurance
- Increasing physical damage deductibles could save up to $700 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $409 a month if they have full coverage
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
