Toyota 4Runner Trail Edition 4WD Insurance Rates

Estimated insurance prices for a Toyota 4Runner Trail Edition 4WD are $1,386 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $368 each year, collision insurance costs $572, and liability insurance costs around $310. Liability-only insurance costs as low as $370 a year, and high-risk driver insurance costs $2,960 or more. Teen drivers pay the most at up to $4,886 a year.

Annual premium for full coverage: $1,386

Premium estimates broken down by individual 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 rate differences illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Toyota 4Runner Trail Edition 4WD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year.

Choosing high deductibles could cut rates by as much as $630 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $279 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 129% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota 4Runner Trail Edition 4WD insurance rates. A driver around age 40 might see rates 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.

With such a large range of rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

The chart estimates Toyota 4Runner Trail Edition 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $795. Drivers who choose higher $1,000 deductibles will pay $1,172. The average rate for a driver around age 40 using $500 deductibles is $1,386. Using lower $100 deductibles for physical damage coverage could cost up to $1,796. High risk drivers could be charged up to $2,960. The policy rate for full coverage for a teenage driver can be as high as $4,886.

View Chart as Image