Toyota bz4X Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

Advertiser Disclosure

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.

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:

Comprehensive $358
Collision $660
Liability $258

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.

Liability Only $306
Full Coverage $1,386
High Risk $2,990

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.

Rural Areas $1,040
Small Cities $1,455
Large Cities $1,871

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

View Chart as Image

Toyota bz4X insurance cost comparison chart
Column chart showing Toyota bz4X insurance prices range from $772 to $4,834 for full coverage

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.

Toyota bz4X Insurance Rates by State
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%

View Chart as Image

Toyota bz4X insurance rates by U.S. city

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

Toyota bz4X Insurance Rates by Model Year
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

Rates by Driver Age

Toyota bz4X Insurance 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

Toyota bz4X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,838
$250 $1,630
$500 $1,386
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Toyota bz4X Insurance Rates with Different Liability Limits
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

Toyota bz4X Insurance 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.

SR-22 Surcharge $196

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
Rate after discounts $772

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles