Toyota 4Runner Insurance Rates
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UPDATED: Jun 3, 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.
U.S. average auto insurance rates for a Toyota 4Runner are $944 annually for full coverage. Comprehensive insurance costs an estimated $184 a year, collision costs $222, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,020 or more. Teens pay the highest rates at $3,686 a year or more.
Average premium for full coverage: $944
Price estimates broken down by individual coverage:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and 4Runner trim levels.
Price Range from Low to High
For the normal driver, Toyota 4Runner insurance prices go from as cheap as $446 for just the minimum liability insurance to a high of $2,020 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Additional Rate Analysis
The chart below shows estimated Toyota 4Runner insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $570
- Raising to $1,000 deductibles will save approximately $852 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $944
- Selecting low $100 deductibles costs an additional $176 annually
- Drivers with serious driving violations could pay up to $2,020 or more
- The price with full coverage for a 16-year-old driver can cost as much as $3,686
Insurance prices for a Toyota 4Runner are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Toyota 4Runner insurance prices. A middle-age driver might find prices as low as $620 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,350 on average in New York, Louisiana, 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the prices may be quite different 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 the Cheapest Toyota 4Runner Insurance
Getting lower rates on insurance for a Toyota 4Runner consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the primary concepts that were presented in the illustrations above.
- Drivers can save approximately $110 per year simply by quoting early and online
- Drivers considered higher risk that have major violations or accidents may pay on average $1,080 more annually to insure their 4Runner
- Increasing physical damage deductibles could save up to $275 each year
- Teen drivers are charged the highest prices, with premiums as much as $307 a month including comprehensive and collision insurance
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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