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Compare Cheap Toyota 4Runner Insurance Quotes

If you want to buy affordable Toyota 4Runner insurance coverage then you should know that a policy will cost $111 per month ($1,332 per year) on average. On average, comprehensive coverage costs $324, collision coverage costs $474, and liability coverage costs $376 for Toyota 4Runner insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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Key takeaways:

  • Full coverage costs around $1,332 a year or $111 each month
  • A liability-only policy costs around $534 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,868 a year or $406 each month
  • Good drivers can save as much as $549 a year by earning policy discounts
  • Toyota 4Runner insurance costs around $187 less per year than the average vehicle

Toyota 4Runner insurance rates are about $187 less than the average vehicle with full coverage costing around $1,332 a year or $111 a month. Good drivers can save up to $549 a year in policy discounts for remaining claim-free. Let’s look into Toyota 4Runner insurance rates, safety ratings, and more.

You can start comparing quotes for Toyota 4Runner car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota 4Runner Insurance Cost

The average Toyota 4Runner car insurance costs are $1,332 a year or $111 a month.

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Are Toyota 4Runners Expensive to Insure?

The chart below details how Toyota 4Runner insurance rates compare to other SUVs like the Mercedes-Benz GLA 250, Hyundai Santa Fe, and Jeep Compass.

Vehicle Comprehensive Collision Liability Total
Toyota 4Runner $348 $532 $316 $1,332
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Hyundai Santa Fe $294 $562 $372 $1,386
Jeep Compass $294 $500 $372 $1,324
Volvo XC60 $306 $536 $338 $1,316
Subaru Forester $346 $512 $332 $1,326
BMW X3 $376 $656 $372 $1,562

However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota 4Runner Insurance?

The Toyota 4Runner trim and model you choose can impact the total price you will pay for Toyota 4Runner auto insurance coverage.

Age of the Vehicle

Older Toyota 4Runner models generally cost less to insure. For example, car insurance for a 2020 Toyota 4Runner costs $1,332, while 2010 Toyota 4Runner insurance costs are $1,064, a difference of $268.

Model Year Comprehensive Collision Liability Total
2020 Toyota 4Runner $348 $532 $316 $1,332
2019 Toyota 4Runner $332 $512 $332 $1,312
2018 Toyota 4Runner $320 $506 $338 $1,300
2017 Toyota 4Runner $308 $494 $354 $1,292
2016 Toyota 4Runner $298 $474 $364 $1,272
2015 Toyota 4Runner $282 $458 $376 $1,252
2014 Toyota 4Runner $270 $424 $384 $1,214
2013 Toyota 4Runner $260 $400 $388 $1,184
2012 Toyota 4Runner $248 $358 $390 $1,132
2011 Toyota 4Runner $232 $330 $390 $1,088
2010 Toyota 4Runner $224 $310 $394 $1,064

Driver Age

Driver age can have a significant effect on Toyota 4Runner car insurance rates. As an example, a 30-year-old driver pays around $59 more each year for their Toyota 4Runner car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota 4Runner insurance rates. For example, drivers in New York may pay $813 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Toyota 4Runner auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota 4Runner auto insurance rates with violations on their driving record.

Toyota 4Runner Safety Ratings

Your Toyota 4Runner car insurance rates are tied to the safety ratings of the Toyota 4Runner. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Toyota 4Runner Crash Test Ratings

Poor Toyota 4Runner crash test ratings could mean higher Toyota 4Runner car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2019 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2018 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2018 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2017 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2017 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2016 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2016 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Toyota 4Runner Safety Features

Most drivers don’t realize that not only do Toyota 4Runner safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Toyota 4Runner auto insurance rates. The Toyota 4Runner’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Front Tow Hooks
  • Traction Control
  • Lane Departure Warning

Toyota 4Runner Insurance Loss Probability

Insurance loss probability on the Toyota 4Runner fluctuates between each type of coverage. The lower percentage means lower Toyota 4Runner car insurance rates; higher percentages mean higher Toyota 4Runner auto insurance rates.

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

Toyota 4Runner Finance and Insurance Cost

If you are financing a Toyota 4Runner, you will pay more if you purchase Toyota 4Runner auto insurance at the dealership, so be sure to shop around and compare Toyota 4Runner auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Toyota 4Runner Insurance

Drivers can end up saving more money on their Toyota 4Runner car insurance rates by employing any one of the following strategies.

  • Spy on Your Teen Driver
  • Park Your Toyota 4Runner Somewhere Safe – like a Garage or Private Driveway
  • Ask About Toyota 4Runner Low Mileage Discounts
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Remove Unnecessary Insurance Once Your Toyota 4Runner is Paid Off

Top Toyota 4Runner Insurance Companies

Who is the top auto insurance company for Toyota 4Runner insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota 4Runner auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota 4Runner offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Toyota 4Runner Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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