Toyota 4Runner Insurance Rates
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UPDATED: Jun 5, 2023
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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.
The average auto insurance rates for a Toyota 4Runner are $944 annually for full coverage insurance. Comprehensive costs approximately $184 a year, collision costs $222, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,020. Teen drivers cost the most to insure at $3,686 a year or more.
Average premium for full coverage: $944
Policy rates by type of insurance:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and 4Runner trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota 4Runner insurance rates go from as cheap as $446 for just liability coverage to a high of $2,020 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.
The diagram below illustrates how where you live affects auto insurance prices.
The examples above illustrate why it is important to get quotes using their specific location and their own personal driving habits, rather than using price averages.
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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota 4Runner insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $570
- Choosing higher $1,000 deductibles can save $852 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $944
- Choosing low $100 deductibles for comp and collision coverage will cost $1,120
- Drivers with multiple violations and an at-fault accident could pay around $2,020 or more
- Policy cost with full coverage for a teenage driver can cost $3,686 each year
Car insurance rates for a Toyota 4Runner also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $270 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota 4Runner insurance rates. A good driver about age 40 could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,270 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$90 | -9.5% |
| Alaska | $724 | -$220 | -23.3% |
| Arizona | $782 | -$162 | -17.2% |
| Arkansas | $944 | -$0 | 0.0% |
| California | $1,076 | $132 | 14.0% |
| Colorado | $900 | -$44 | -4.7% |
| Connecticut | $970 | $26 | 2.8% |
| Delaware | $1,066 | $122 | 12.9% |
| Florida | $1,178 | $234 | 24.8% |
| Georgia | $874 | -$70 | -7.4% |
| Hawaii | $678 | -$266 | -28.2% |
| Idaho | $638 | -$306 | -32.4% |
| Illinois | $704 | -$240 | -25.4% |
| Indiana | $712 | -$232 | -24.6% |
| Iowa | $636 | -$308 | -32.6% |
| Kansas | $896 | -$48 | -5.1% |
| Kentucky | $1,286 | $342 | 36.2% |
| Louisiana | $1,398 | $454 | 48.1% |
| Maine | $584 | -$360 | -38.1% |
| Maryland | $780 | -$164 | -17.4% |
| Massachusetts | $754 | -$190 | -20.1% |
| Michigan | $1,638 | $694 | 73.5% |
| Minnesota | $790 | -$154 | -16.3% |
| Mississippi | $1,130 | $186 | 19.7% |
| Missouri | $838 | -$106 | -11.2% |
| Montana | $1,014 | $70 | 7.4% |
| Nebraska | $742 | -$202 | -21.4% |
| Nevada | $1,130 | $186 | 19.7% |
| New Hampshire | $680 | -$264 | -28.0% |
| New Jersey | $1,056 | $112 | 11.9% |
| New Mexico | $834 | -$110 | -11.7% |
| New York | $994 | $50 | 5.3% |
| North Carolina | $544 | -$400 | -42.4% |
| North Dakota | $774 | -$170 | -18.0% |
| Ohio | $650 | -$294 | -31.1% |
| Oklahoma | $966 | $22 | 2.3% |
| Oregon | $864 | -$80 | -8.5% |
| Pennsylvania | $900 | -$44 | -4.7% |
| Rhode Island | $1,258 | $314 | 33.3% |
| South Carolina | $856 | -$88 | -9.3% |
| South Dakota | $798 | -$146 | -15.5% |
| Tennessee | $824 | -$120 | -12.7% |
| Texas | $1,138 | $194 | 20.6% |
| Utah | $698 | -$246 | -26.1% |
| Vermont | $644 | -$300 | -31.8% |
| Virginia | $566 | -$378 | -40.0% |
| Washington | $728 | -$216 | -22.9% |
| West Virginia | $864 | -$80 | -8.5% |
| Wisconsin | $652 | -$292 | -30.9% |
| Wyoming | $840 | -$104 | -11.0% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota 4Runner Sport 2WD | $892 | $74 |
| Toyota 4Runner SR/5 2WD | $910 | $76 |
| Toyota 4Runner Sport 4WD | $932 | $78 |
| Toyota 4Runner SR/5 4WD | $932 | $78 |
| Toyota 4Runner Trail Edition 4WD | $966 | $81 |
| Toyota 4Runner Limited 2WD | $984 | $82 |
| Toyota 4Runner Limited 4WD | $984 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota 4Runner | $348 | $532 | $316 | $1,332 |
| 2023 Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| 2022 Toyota 4Runner | $320 | $506 | $338 | $1,300 |
| 2021 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2020 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2019 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2018 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2017 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2016 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2015 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2014 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
| 2013 Toyota 4Runner | $220 | $288 | $402 | $1,046 |
| 2012 Toyota 4Runner | $202 | $268 | $402 | $1,008 |
| 2011 Toyota 4Runner | $198 | $244 | $406 | $984 |
| 2010 Toyota 4Runner | $184 | $222 | $402 | $944 |
| 2009 Toyota 4Runner | $174 | $202 | $402 | $914 |
| 2008 Toyota 4Runner | $168 | $182 | $398 | $884 |
| 2007 Toyota 4Runner | $166 | $178 | $390 | $870 |
| 2006 Toyota 4Runner | $162 | $168 | $384 | $850 |
| 2005 Toyota 4Runner | $148 | $160 | $380 | $824 |
Rates are averaged for all Toyota 4Runner 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 Cheap Toyota 4Runner Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit score, being claim-free, and avoiding coverage lapses. Take the time to comparison shop once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief summary of the data that was touched on in the above illustrations.
- It is possible to save around $110 per year simply by quoting early and online
- Consumers who purchase more liability protection will pay about $440 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Youthful drivers pay the highest auto insurance rates, possibly costing $307 each month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,080 more per year than a low-risk driver
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.
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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| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2019 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
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| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -25% |
| Property Damage | -8% |
| Comprehensive | -17% |
| Personal Injury | -24% |
| Medical Payment | -34% |
| Bodily Injury | -25% |
| Source: Insurance Institute for Highway Safety |
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.
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:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,686 |
| 20 | $2,136 |
| 30 | $966 |
| 40 | $944 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,120 |
| $250 | $1,040 |
| $500 | $944 |
| $1,000 | $852 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $944 |
| 50/100 | $1,064 |
| 100/300 | $1,165 |
| 250/500 | $1,426 |
| 100 CSL | $1,105 |
| 300 CSL | $1,326 |
| 500 CSL | $1,487 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,208 |
| 20 | $3,398 |
| 30 | $2,044 |
| 40 | $2,020 |
| 50 | $1,926 |
| 60 | $1,906 |
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 | $48 |
| Multi-vehicle | $50 |
| Homeowner | $16 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $374 |
Discounts are estimated and may not be available from every company or in every state.
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