Toyota 4Runner Insurance Rates

Looking for affordable Toyota 4Runner insurance rates? The average 4Runner insurance costs are $111 per month or $1,332 annually. 

Are Toyotas more expensive to insure than other vehicle models? Lots of variables impact your car insurance rates besides what brand of vehicle you drive.

For example, experienced drivers with perfect driving records will receive cheap car insurance quotes easier than younger drivers. 

Model year is one factor that will impact insurance rates. 2020 Toyota 4Runner car insurance costs will be higher than 2004 Toyota 4Runner car insurance costs.

Whether you drive a used Toyota 4Runner or are considering buying a brand new Toyota 4Runner 2021 model, read through our comprehensive guide to better understand how your car insurance rates are calculated. 

Before you buy Toyota 4Runner auto insurance, shop around. We can help you find affordable Toyota 4Runner car insurance rates from multiple companies.

Ready to find out how much you should pay for a 4Runner? Enter your five-digit ZIP code into our FREE quote comparison tool above to compare the best Toyota 4Runner car insurance rates.

U.S. average insurance rates for a Toyota 4Runner are $914 a year for full coverage insurance. Comprehensive costs around $174 each year, collision insurance costs $202, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs around $1,950. Teenage drivers pay the highest rates at up to $3,590 a year.

Average premium for full coverage: $914

Price estimates for individual coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and 4Runner models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Toyota 4Runner insurance rates for additional coverage choices and driver risks.

• The best discount rate is $555
• Choosing higher $1,000 deductibles can save about $86 each year
• The average rate for the average middle-age driver using $500 deductibles is $914
• Using low deductibles for comp and collision coverage will increase the cost to $1,074
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,950
• The price for full coverage for a 16-year-old driver can be $3,590 each year

View Chart as Image

Insurance prices for a Toyota 4Runner are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota 4Runner insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,230 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $250 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 134% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2010 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Toyota 4Runner Insurance

Getting lower rates on insurance for a Toyota 4Runner takes being a low-risk driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was covered in the charts and tables above.

• Insureds who may need more liability coverage will pay an extra $440 annually to raise limits from a low limit to 250/500 limits
• Teen drivers pay higher prices, as much as $299 a month for full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,040 more every year to insure their 4Runner
• Increasing physical damage deductibles can save around $250 each year

Is a Toyota 4Runner worth the money? As you’ve learned from the information above, many factors impact your overall insurance rates. If you found a Toyota 4Runner for sale, you can lower your insurance premiums by comparison shopping, and seeking out discounts.

Whether you drive a Toyota 4Runner TRD Pro or are looking for cheap 2003 4Runner insurance costs for your teen driver, enter your ZIP code into our FREE quote tool below to start comparing affordable rates. 

What are the safety ratings for the Toyota 4Runner?

Understanding the Toyota 4Runner safety ratings can help you see what car insurance discounts your vehicle might qualify for. Poor ratings can sometimes reveal why your premiums are higher than average. 

Check out the Toyota 4Runner 2020 safety ratings below. 

• Small overlap front (driver-side): Moderate
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights for this SUV scored poorly, and the vehicle did receive one ‘Moderate’ review. 

Overall, these safety ratings are just okay, but fortunately, this should not cause your car insurance premiums to increase. 

Toyota 4Runner Crash Test Ratings

Good crash test ratings mean cheaper insurance rates, as drivers are better protected in a crash.

Toyota 4Runner Crash Test Ratings 

The Toyota 4Runner did not do great in the rollover crash tests, as it only earned 3-star ratings.

Toyota 4Runner Insurance Loss Probability

Low insurance loss probabilities mean lower rates, while high insurance loss probabilities mean higher insurance rates. Take a look at the Toyota 4Runner’s insurance loss probabilities below.

Toyota 4Runner Insurance Loss Probability

The Toyota 4Runner has great insurance loss probabilities, as they are all negative.

Toyota 4Runner Compared Against other Vehicles in the Same Class

Comparing the Toyota 4Runner to similar vehicles can help you save money, especially if the Toyota 4Runner has better insurance loss ratios across the board than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies the 4Runner as a midsize SUV. Take a look at some other comparable midsize SUVs in the list below.

• Honda Pilot
• Jeep Cherokee
• Nissan Pathfinder

Overall, the Toyota 4Runner’s loss ratios are average or better than average. Specifically, the collision, comprehensive, personal injury, and medical payment loss ratios for this vehicle are all better than average. This will reflect positively in your annual car insurance rates. 

You are now an expert on finding cheap Toyota 4Runner insurance costs. Is Toyota 4Runner a good car for you? If so, make sure you’re getting the cheapest car insurance rates possible. 

Enter your five-digit ZIP code into our FREE quote tool to start immediately comparing rates from multiple Toyota 4Runner auto insurance companies.

References: 

1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
2. https://www.nhtsa.gov/ratings