Toyota bz4X Insurance Rates

U.S. average insurance rates for a Toyota bz4X are $1,420 a year for full coverage insurance. Comprehensive costs an estimated $376 a year, collision insurance costs $688, and liability costs $246. A policy with just liability insurance costs as little as $298 a year, and coverage for high-risk drivers costs around $3,060. 16-year-old drivers pay the highest rates at up to $4,910 a year.

Average premium for full coverage: $1,420

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and bz4X trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates average Toyota bz4X insurance rates for other coverage scenarios.

• The best full coverage rate is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $1,178 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,420
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,890
• Drivers with multiple tickets or accidents could pay up to $3,060
• The price that insures a 16-year-old driver can cost as much as $4,910 a year

View Chart as Image

Insurance prices for a Toyota bz4X are also quite variable based on the trim level of your bz4X, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 45% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Toyota bz4X insurance prices. A 40-year-old driver could pay as low as $930 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,920 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $720 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $222 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota bz4X Insurance

Getting lower rates on insurance for a Toyota bz4X not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from local insurance agencies.

The items below are a review of the material that was covered above.

• Insureds who want more liability coverage will pay around $270 annually to go from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, as much as $409 a month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,640 more annually to insure their bz4X
• Increasing physical damage deductibles can save approximately $700 each year