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.
Average insurance rates for a Toyota bz4X are $1,386 a year including full coverage. Comprehensive costs around $358, collision insurance costs $660, and liability is $258. Buying just liability costs around $306 a year, and insurance for high-risk drivers costs around $2,990. Teens receive the highest rates at up to $4,834 a year.
Average premium for full coverage: $1,386
Rate estimates for individual coverage type:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different bz4X trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $306 for just liability insurance to a much higher rate of $2,990 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, 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.
More Rate Details
The chart below breaks down average Toyota bz4X insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $772
- Raising to $1,000 deductibles will save about $230 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,386
- Selecting more expensive low deductibles will increase the cost to $1,838
- Drivers with serious driving violations could pay at least $2,990
- The cost for full coverage for a 16-year-old driver with full coverage can be $4,834
Auto insurance rates for a Toyota bz4X can also vary considerably based on your driver profile, the model of your bz4X, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age
Where you live also has a big influence on Toyota bz4X insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,980 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $690 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $232 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 46% to 129% more than the average policy. View High Risk Driver Rates
| 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 Affordable Toyota bz4X Insurance
Saving money on insurance for a Toyota bz4X consists of having a good driving record, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a brief review of the coverage data touched on in this article.
- You may be able to save up to $180 per year just by shopping early and online
- Increasing deductibles can save around $675 each year
- Drivers age 20 and younger are expensive to insure, as much as $403 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,600 more every year to buy Toyota bz4X insurance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
