Toyota 4Runner Sport 2WD Insurance Rates

U.S. average auto insurance rates for a Toyota 4Runner Sport 2WD are $1,218 annually for full coverage insurance. Comprehensive costs an estimated $326 a year, collision costs $446, and liability costs around $310. Liability-only insurance costs as low as $370 a year, with high-risk driver insurance costing around $2,580. Teen drivers pay the highest rates at $4,328 a year or more.

Annual premium for full coverage: $1,218

Price estimates broken down by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota 4Runner Trim Level

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

These price ranges illustrate why it is important for drivers to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Toyota 4Runner Sport 2WD are also quite variable based on the actual cash value of your 4Runner, your risk profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $510 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota 4Runner Sport 2WD insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

The chart estimates Toyota 4Runner Sport 2WD insurance prices for different situations. The cheapest discount price is $714. Drivers who choose higher $1,000 deductibles will pay about $1,042. The average price for a driver around age 40 using $500 deductibles is $1,218. Choosing low $100 deductibles for physical damage coverage could cost up to $1,552. High risk drivers could be charged at least $2,580. The cost for full coverage insurance for a teenage driver can be as high as $4,328.

View Chart as Image