Toyota 4Runner Insurance Rates

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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: Apr 8, 2024

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Looking for affordable Toyota 4Runner insurance rates? The average 4Runner insurance costs are $111 per month or $1,332 annually. 

Are Toyotas more expensive to insure than other vehicle models? Lots of variables impact your car insurance rates besides what brand of vehicle you drive.

For example, experienced drivers with perfect driving records will receive cheap car insurance quotes easier than younger drivers. 

Model year is one factor that will impact insurance rates. 2020 Toyota 4Runner car insurance costs will be higher than 2004 Toyota 4Runner car insurance costs.

Whether you drive a used Toyota 4Runner or are considering buying a brand new Toyota 4Runner 2021 model, read through our comprehensive guide to better understand how your car insurance rates are calculated. 

Before you buy Toyota 4Runner auto insurance, shop around. We can help you find affordable Toyota 4Runner car insurance rates from multiple companies.

Ready to find out how much you should pay for a 4Runner? Enter your five-digit ZIP code into our FREE quote comparison tool above to compare the best Toyota 4Runner car insurance rates.

The average insurance rates for a Toyota 4Runner are $914 a year including full coverage. Comprehensive insurance costs on average $174, collision costs $202, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing $1,950 or more. 16-year-old drivers cost the most to insure at $3,590 a year or more.

Average premium for full coverage: $914

Policy rates by type of insurance:

Comprehensive $174
Collision $202
Liability $402

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different 4Runner trim levels.

Price Range Variability

Using a middle-aged driver as an example, Toyota 4Runner insurance rates go from as low as $446 for just the minimum liability insurance to a much higher rate of $1,950 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $914
High Risk $1,950

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $686
Small Cities $960
Large Cities $1,234

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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 Analysis

The chart below breaks down estimated Toyota 4Runner insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $555
  • Raising to $1,000 deductibles will save around $86 every year
  • The average rate for a good driver age 40 with $500 deductibles is $914
  • Buying more expensive low deductibles will cost an extra $160 annually
  • Drivers with multiple tickets or accidents could pay upwards of $1,950 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage may cost $3,590

View Chart as Image

Toyota 4Runner insurance cost comparison chart
Column chart showing full coverage Toyota 4Runner insurance prices range from $555 to $3,590

Auto insurance rates for a Toyota 4Runner also range considerably based on your risk profile, the model of your 4Runner, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $3,500 a year. View Rates by Age

Your home state also has a big influence on Toyota 4Runner insurance prices. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,300 on average in Michigan, New York, and Louisiana.

Toyota 4Runner Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $824 -$90 -9.8%
Alaska $698 -$216 -23.6%
Arizona $758 -$156 -17.1%
Arkansas $914 -$0 0.0%
California $1,040 $126 13.8%
Colorado $870 -$44 -4.8%
Connecticut $938 $24 2.6%
Delaware $1,030 $116 12.7%
Florida $1,138 $224 24.5%
Georgia $844 -$70 -7.7%
Hawaii $656 -$258 -28.2%
Idaho $618 -$296 -32.4%
Illinois $680 -$234 -25.6%
Indiana $688 -$226 -24.7%
Iowa $614 -$300 -32.8%
Kansas $866 -$48 -5.3%
Kentucky $1,244 $330 36.1%
Louisiana $1,352 $438 47.9%
Maine $562 -$352 -38.5%
Maryland $752 -$162 -17.7%
Massachusetts $728 -$186 -20.4%
Michigan $1,582 $668 73.1%
Minnesota $764 -$150 -16.4%
Mississippi $1,094 $180 19.7%
Missouri $810 -$104 -11.4%
Montana $980 $66 7.2%
Nebraska $718 -$196 -21.4%
Nevada $1,094 $180 19.7%
New Hampshire $658 -$256 -28.0%
New Jersey $1,022 $108 11.8%
New Mexico $806 -$108 -11.8%
New York $960 $46 5.0%
North Carolina $526 -$388 -42.5%
North Dakota $750 -$164 -17.9%
Ohio $630 -$284 -31.1%
Oklahoma $936 $22 2.4%
Oregon $836 -$78 -8.5%
Pennsylvania $870 -$44 -4.8%
Rhode Island $1,216 $302 33.0%
South Carolina $826 -$88 -9.6%
South Dakota $770 -$144 -15.8%
Tennessee $798 -$116 -12.7%
Texas $1,100 $186 20.4%
Utah $676 -$238 -26.0%
Vermont $622 -$292 -31.9%
Virginia $548 -$366 -40.0%
Washington $704 -$210 -23.0%
West Virginia $836 -$78 -8.5%
Wisconsin $630 -$284 -31.1%
Wyoming $812 -$102 -11.2%

View Chart as Image

Toyota 4Runner insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $250 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,500 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota 4Runner Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota 4Runner Sport 2WD $864 $72
Toyota 4Runner SR/5 2WD $882 $74
Toyota 4Runner Sport 4WD $902 $75
Toyota 4Runner SR/5 4WD $902 $75
Toyota 4Runner Trail Edition 4WD $932 $78
Toyota 4Runner Limited 2WD $950 $79
Toyota 4Runner Limited 4WD $950 $79

Rates assume 2010 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Toyota 4Runner Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota 4Runner $332 $512 $332 $1,312
2023 Toyota 4Runner $320 $506 $338 $1,300
2022 Toyota 4Runner $308 $494 $354 $1,292
2021 Toyota 4Runner $298 $474 $364 $1,272
2020 Toyota 4Runner $282 $458 $376 $1,252
2019 Toyota 4Runner $270 $424 $384 $1,214
2018 Toyota 4Runner $260 $400 $388 $1,184
2017 Toyota 4Runner $248 $358 $390 $1,132
2016 Toyota 4Runner $232 $330 $390 $1,088
2015 Toyota 4Runner $224 $310 $394 $1,064
2014 Toyota 4Runner $220 $288 $402 $1,046
2013 Toyota 4Runner $202 $268 $402 $1,008
2012 Toyota 4Runner $198 $244 $406 $984
2011 Toyota 4Runner $184 $222 $402 $944
2010 Toyota 4Runner $174 $202 $402 $914
2009 Toyota 4Runner $168 $182 $398 $884
2008 Toyota 4Runner $166 $178 $390 $870
2007 Toyota 4Runner $162 $168 $384 $850
2006 Toyota 4Runner $148 $160 $380 $824
2005 Toyota 4Runner $144 $152 $376 $808

Rates are averaged for all Toyota 4Runner 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 Cheapest Toyota 4Runner Insurance

Finding cheaper rates on insurance for a Toyota 4Runner consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the data touched on in the above illustrations.

  • Insureds who require higher liability limits will pay around $440 per year to raise from a 30/60 limit to 250/500 limits
  • You may be able to save as much as $100 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • Teenagers are charged the highest rates, with premiums being up to $299 each month if they have full coverage

Is a Toyota 4Runner worth the money? As you’ve learned from the information above, many factors impact your overall insurance rates. If you found a Toyota 4Runner for sale, you can lower your insurance premiums by comparison shopping, and seeking out discounts.

Whether you drive a Toyota 4Runner TRD Pro or are looking for cheap 2003 4Runner insurance costs for your teen driver, enter your ZIP code into our FREE quote tool below to start comparing affordable rates. 

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What are the safety ratings for the Toyota 4Runner?

Understanding the Toyota 4Runner safety ratings can help you see what car insurance discounts your vehicle might qualify for. Poor ratings can sometimes reveal why your premiums are higher than average. 

Check out the Toyota 4Runner 2020 safety ratings below. 

  • Small overlap front (driver-side): Moderate
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights for this SUV scored poorly, and the vehicle did receive one ‘Moderate’ review. 

Overall, these safety ratings are just okay, but fortunately, this should not cause your car insurance premiums to increase. 

Toyota 4Runner Crash Test Ratings

Good crash test ratings mean cheaper insurance rates, as drivers are better protected in a crash.

Toyota 4Runner Crash Test Ratings 
Vehicle TestedOverallFrontalSideRollover
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

The Toyota 4Runner did not do great in the rollover crash tests, as it only earned 3-star ratings.

Toyota 4Runner Insurance Loss Probability

Low insurance loss probabilities mean lower rates, while high insurance loss probabilities mean higher insurance rates. Take a look at the Toyota 4Runner’s insurance loss probabilities below.

Toyota 4Runner Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-25%
Property Damage-8%
Comprehensive-17%
Personal Injury-24%
Medical Payment-34%
Bodily Injury-25%
Source: Insurance Institute for Highway Safety

The Toyota 4Runner has great insurance loss probabilities, as they are all negative.

Toyota 4Runner Compared Against other Vehicles in the Same Class

Comparing the Toyota 4Runner to similar vehicles can help you save money, especially if the Toyota 4Runner has better insurance loss ratios across the board than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies the 4Runner as a midsize SUV. Take a look at some other comparable midsize SUVs in the list below.

Overall, the Toyota 4Runner’s loss ratios are average or better than average. Specifically, the collision, comprehensive, personal injury, and medical payment loss ratios for this vehicle are all better than average. This will reflect positively in your annual car insurance rates. 

You are now an expert on finding cheap Toyota 4Runner insurance costs. Is Toyota 4Runner a good car for you? If so, make sure you’re getting the cheapest car insurance rates possible. 

Enter your five-digit ZIP code into our FREE quote tool to start immediately comparing rates from multiple Toyota 4Runner auto insurance companies.

References: 

  1. https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2020
  2. https://www.nhtsa.gov/ratings

 

Rates by Driver Age

Toyota 4Runner Insurance Rates by Driver Age
Driver Age Premium
16 $3,590
20 $2,064
30 $932
40 $914
50 $836
60 $818

Full coverage, $500 deductibles

Rates by Deductible

Toyota 4Runner Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,074
$250 $1,000
$500 $914
$1,000 $828

Full coverage, driver age 40

Rates by Liability Limit

Toyota 4Runner Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $914
50/100 $1,030
100/300 $1,131
250/500 $1,392
100 CSL $1,071
300 CSL $1,292
500 CSL $1,453

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 4Runner Insurance Rates for High Risk Drivers
Age Premium
16 $5,064
20 $3,284
30 $1,972
40 $1,950
50 $1,860
60 $1,842

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 $120

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $56
5-yr Claim Free $57
Paid in Full/EFT $33
Advance Quote $40
Online Quote $62
Total Discounts $359
Rate after discounts $555

Discounts are estimated and may not be available from every company or in every state.

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