Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota bz4X are $1,420 a year including full coverage. Comprehensive costs around $376, collision insurance costs $688, and liability costs $246. A liability-only policy costs as little as $298 a year, and high-risk insurance costs around $3,060. Teenage drivers pay the most at up to $4,910 a year.
Average premium for full coverage: $1,420
Premium estimates for type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different bz4X trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota bz4X range from as low as $298 for just liability coverage to a much higher rate of $3,060 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using average rates.
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 breaks down average Toyota bz4X insurance rates for additional coverage choices and driver risks.
- The best discount rate is $788
- Drivers who choose higher $1,000 deductibles will pay about $242 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,420
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,890
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,060
- An auto insurance policy for full coverage for a teen driver with full coverage can be $4,910 a year
Auto insurance prices for a Toyota bz4X also have a wide range based on your driving characteristics, the model of your bz4X, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $1,090 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,020 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,284 | -$136 | -9.6% |
| Alaska | $1,088 | -$332 | -23.4% |
| Arizona | $1,178 | -$242 | -17.0% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,354 | -$66 | -4.6% |
| Connecticut | $1,456 | $36 | 2.5% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,774 | $354 | 24.9% |
| Georgia | $1,310 | -$110 | -7.7% |
| Hawaii | $1,020 | -$400 | -28.2% |
| Idaho | $960 | -$460 | -32.4% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,070 | -$350 | -24.6% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,348 | -$72 | -5.1% |
| Kentucky | $1,936 | $516 | 36.3% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $874 | -$546 | -38.5% |
| Maryland | $1,170 | -$250 | -17.6% |
| Massachusetts | $1,132 | -$288 | -20.3% |
| Michigan | $2,464 | $1,044 | 73.5% |
| Minnesota | $1,190 | -$230 | -16.2% |
| Mississippi | $1,700 | $280 | 19.7% |
| Missouri | $1,258 | -$162 | -11.4% |
| Montana | $1,524 | $104 | 7.3% |
| Nebraska | $1,118 | -$302 | -21.3% |
| Nevada | $1,702 | $282 | 19.9% |
| New Hampshire | $1,026 | -$394 | -27.7% |
| New Jersey | $1,584 | $164 | 11.5% |
| New Mexico | $1,256 | -$164 | -11.5% |
| New York | $1,494 | $74 | 5.2% |
| North Carolina | $816 | -$604 | -42.5% |
| North Dakota | $1,162 | -$258 | -18.2% |
| Ohio | $980 | -$440 | -31.0% |
| Oklahoma | $1,456 | $36 | 2.5% |
| Oregon | $1,302 | -$118 | -8.3% |
| Pennsylvania | $1,352 | -$68 | -4.8% |
| Rhode Island | $1,892 | $472 | 33.2% |
| South Carolina | $1,284 | -$136 | -9.6% |
| South Dakota | $1,198 | -$222 | -15.6% |
| Tennessee | $1,244 | -$176 | -12.4% |
| Texas | $1,710 | $290 | 20.4% |
| Utah | $1,050 | -$370 | -26.1% |
| Vermont | $970 | -$450 | -31.7% |
| Virginia | $852 | -$568 | -40.0% |
| Washington | $1,094 | -$326 | -23.0% |
| West Virginia | $1,304 | -$116 | -8.2% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,262 | -$158 | -11.1% |
Using high physical damage deductibles could save up to $720 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $222 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,700 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 45% to 134% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota bz4X | $376 | $688 | $246 | $1,420 |
| 2023 Toyota bz4X | $358 | $660 | $258 | $1,386 |
Rates are averaged for all Toyota bz4X models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Toyota bz4X Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also having good credit, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick review of the coverage data touched on above.
- You may be able to save up to $180 per year just by shopping early and online
- Increasing policy deductibles can save around $700 each year
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $409 per month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,640 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,910 |
| 20 | $3,246 |
| 30 | $1,508 |
| 40 | $1,420 |
| 50 | $1,292 |
| 60 | $1,268 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,890 |
| $250 | $1,670 |
| $500 | $1,420 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,469 |
| 100/300 | $1,531 |
| 250/500 | $1,691 |
| 100 CSL | $1,494 |
| 300 CSL | $1,629 |
| 500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,084 |
| 20 | $5,166 |
| 30 | $3,156 |
| 40 | $3,060 |
| 50 | $2,912 |
| 60 | $2,886 |
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 | $79 |
| Multi-vehicle | $72 |
| Homeowner | $18 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $74 |
| Advance Quote | $75 |
| Online Quote | $105 |
| Total Discounts | $632 |
Discounts are estimated and may not be available from every company or in every state.
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