Toyota bz4X Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Toyota bz4X are $1,386 a year for full coverage insurance. Comprehensive insurance costs approximately $358 a year, collision insurance costs $660, and liability is $258. Liability-only insurance costs around $306 a year, and high-risk driver insurance costs $2,990 or more. Teenage drivers cost the most to insure at up to $4,834 a year.
Average premium for full coverage: $1,386
Policy rates by type of insurance:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and bz4X trim levels.
Price Range Variability
For a driver around age 40, Toyota bz4X insurance rates range from the low end price of $306 for the bare minimum liability coverage to a high of $2,990 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why it is important to compare rates quotes using their specific location, 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.
Additional Rate Information
The chart below illustrates average Toyota bz4X insurance rates for additional coverage and risk scenarios.
- The best discount rate is $772
- Raising to $1,000 deductibles will save $1,156 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,386
- Using low $100 deductibles will cost an additional $452 every year
- At-risk drivers who are prone to accidents and violations could pay around $2,990
- Policy cost that insures a teen driver can cost $4,834
Auto insurance rates for a Toyota bz4X also range considerably based on the trim level of your bz4X, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 46% to 129% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state also has a big influence on Toyota bz4X insurance prices. A middle-age driver might find rates as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,254 | -$132 | -9.5% |
Alaska | $1,064 | -$322 | -23.2% |
Arizona | $1,152 | -$234 | -16.9% |
Arkansas | $1,386 | -$0 | 0.0% |
California | $1,582 | $196 | 14.1% |
Colorado | $1,324 | -$62 | -4.5% |
Connecticut | $1,422 | $36 | 2.6% |
Delaware | $1,570 | $184 | 13.3% |
Florida | $1,732 | $346 | 25.0% |
Georgia | $1,282 | -$104 | -7.5% |
Hawaii | $996 | -$390 | -28.1% |
Idaho | $940 | -$446 | -32.2% |
Illinois | $1,034 | -$352 | -25.4% |
Indiana | $1,044 | -$342 | -24.7% |
Iowa | $936 | -$450 | -32.5% |
Kansas | $1,316 | -$70 | -5.1% |
Kentucky | $1,890 | $504 | 36.4% |
Louisiana | $2,052 | $666 | 48.1% |
Maine | $854 | -$532 | -38.4% |
Maryland | $1,144 | -$242 | -17.5% |
Massachusetts | $1,106 | -$280 | -20.2% |
Michigan | $2,408 | $1,022 | 73.7% |
Minnesota | $1,162 | -$224 | -16.2% |
Mississippi | $1,662 | $276 | 19.9% |
Missouri | $1,228 | -$158 | -11.4% |
Montana | $1,490 | $104 | 7.5% |
Nebraska | $1,090 | -$296 | -21.4% |
Nevada | $1,662 | $276 | 19.9% |
New Hampshire | $1,000 | -$386 | -27.8% |
New Jersey | $1,548 | $162 | 11.7% |
New Mexico | $1,228 | -$158 | -11.4% |
New York | $1,460 | $74 | 5.3% |
North Carolina | $796 | -$590 | -42.6% |
North Dakota | $1,134 | -$252 | -18.2% |
Ohio | $958 | -$428 | -30.9% |
Oklahoma | $1,422 | $36 | 2.6% |
Oregon | $1,272 | -$114 | -8.2% |
Pennsylvania | $1,322 | -$64 | -4.6% |
Rhode Island | $1,850 | $464 | 33.5% |
South Carolina | $1,258 | -$128 | -9.2% |
South Dakota | $1,170 | -$216 | -15.6% |
Tennessee | $1,214 | -$172 | -12.4% |
Texas | $1,670 | $284 | 20.5% |
Utah | $1,026 | -$360 | -26.0% |
Vermont | $948 | -$438 | -31.6% |
Virginia | $832 | -$554 | -40.0% |
Washington | $1,070 | -$316 | -22.8% |
West Virginia | $1,274 | -$112 | -8.1% |
Wisconsin | $960 | -$426 | -30.7% |
Wyoming | $1,234 | -$152 | -11.0% |
Using high physical damage deductibles can reduce rates by up to $690 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $232 extra every year. View Rates by Deductible or Liability Limit
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Toyota bz4X | $358 | $660 | $258 | $1,386 |
2023 Toyota bz4X | $344 | $656 | $264 | $1,374 |
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 Toyota bz4X Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at least once a year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The following is a brief recap of the primary concepts that were covered above.
- It is possible to save around $180 per year just by quoting early and online
- Higher risk drivers who tend to receive serious violations could be charged and average of $1,600 more per year for bz4X insurance
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Teens have the highest car insurance rates, possibly costing $403 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,834 |
20 | $3,176 |
30 | $1,470 |
40 | $1,386 |
50 | $1,262 |
60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,838 |
$250 | $1,630 |
$500 | $1,386 |
$1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,386 |
50/100 | $1,438 |
100/300 | $1,502 |
250/500 | $1,670 |
100 CSL | $1,463 |
300 CSL | $1,605 |
500 CSL | $1,709 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,970 |
20 | $5,056 |
30 | $3,084 |
40 | $2,990 |
50 | $2,848 |
60 | $2,822 |
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 | $77 |
Multi-vehicle | $70 |
Homeowner | $18 |
5-yr Accident Free | $112 |
5-yr Claim Free | $91 |
Paid in Full/EFT | $71 |
Advance Quote | $73 |
Online Quote | $102 |
Total Discounts | $614 |
Discounts are estimated and may not be available from every company or in every state.
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