Toyota bz4X Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Toyota bz4X are $1,420 annually with full coverage. Comprehensive costs on average $376, collision insurance costs $688, and liability costs $246. Liability-only coverage costs as little as $298 a year, and high-risk coverage costs around $3,060. Teens pay the highest rates at up to $4,910 a year.
Average premium for full coverage: $1,420
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different bz4X trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota bz4X insurance prices range from as cheap as $298 for a discount liability-only rate to a much higher rate of $3,060 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below details average Toyota bz4X insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $788
- Drivers who choose higher $1,000 deductibles will pay around $242 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,420
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,890
- Higher-risk drivers with serious driving violations could pay upwards of $3,060
- The price with full coverage for a teen driver with full coverage may cost $4,910 a year
Auto insurance prices for a Toyota bz4X are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 45% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $720 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $222 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,920 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy Cheaper Toyota bz4X Insurance
Getting lower rates on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a condensed summary of the car insurance concepts touched on in this article.
- Higher risk drivers with multiple at-fault accidents pay an average of $1,640 more each year to buy Toyota bz4X insurance
- You may be able to save as much as $180 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $700 each year
- Policyholders who require increased levels of liability coverage will pay approximately $270 every year to go from a low limit to higher 250/500 limits
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
