Toyota 4Runner Sport 4WD Insurance Rates

The average insurance rates for a Toyota 4Runner Sport 4WD are $1,308 a year including full coverage. Comprehensive insurance costs an estimated $354, collision costs $508, and liability insurance costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing $2,782 or more. Teen drivers cost the most to insure at $4,618 a year or more.

Annual premium for full coverage: $1,308

Policy rates broken down by type of coverage:

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

Price Range for Insurance for this Toyota 4Runner Trim Level

These price differences highlight why everyone should compare prices for a targeted area, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Toyota 4Runner Sport 4WD also range considerably based on the replacement cost of your 4Runner, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,000 additional every year, depending on your age. Toyota 4Runner Sport 4WD insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota 4Runner Sport 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $580 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

The chart above shows average Toyota 4Runner Sport 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $760. Drivers who choose higher $1,000 deductibles will pay $1,112. The average price for a driver around age 40 using $500 deductibles is $1,308. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,684. High risk drivers could be charged around $2,782. The rate for full coverage for a teenage driver can be as high as $4,618.

View Chart as Image