Toyota 4Runner Auto Insurance (2024)
Auto insurance rates for a Toyota 4Runner average $1,332 a year, or around $111 a month. Comprehensive, collision, and liability insurance cost around $324, $474, and $376, respectively.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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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 $111 per month for full coverage and $45 per month for liability-only coverage. Drivers with a clean driving record can save up $549 per year. Continue reading to learn how you can eligible for policy discounts and save hundreds of dollars in auto insurance.
You can start comparing quotes for Toyota 4Runner auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Toyota 4Runner Insurance Cost
The average Toyota 4Runner auto 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 Audi Q7, Honda Passport, and Jeep Wrangler.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota 4Runner | $348 | $532 | $316 | $1,332 |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Honda Passport | $362 | $656 | $316 | $1,470 |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| Mazda CX-9 | $332 | $542 | $390 | $1,422 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
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?
You might have noticed that there is a multitude of factors that impact Toyota 4Runner auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Toyota 4Runner.
Age of the Vehicle
The average Toyota 4Runner auto insurance rates are higher for newer models. For example, auto 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 the cost of Toyota 4Runner auto insurance. For example, a 20-year-old driver could pay around $136 more each month for their Toyota 4Runner auto insurance than a 30-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 auto insurance rates are tied to the Toyota 4Runner’s safety ratings. 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
Not only do good Toyota 4Runner crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota 4Runner auto 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
The Toyota 4Runner safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota 4Runner has the following safety features:
- 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
Another contributing factor that plays a direct role in Toyota 4Runner insurance rates is the loss probability for each type of coverage.
| 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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5 Ways to Save on Toyota 4Runner Insurance
Save more on your Toyota 4Runner auto insurance rates. Take a look at the following five strategies that will get you the best Toyota 4Runner auto insurance rates possible.
- Understand that Insurance Companies Can’t Change Your Toyota 4Runner Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Be Picky About Who Drives Your Toyota 4Runner
- Take Advantage of Referral Fees
- Ask About Toyota 4Runner Discounts If You Were Listed on Someone Else’s Policy
- Compare Toyota 4Runner Insurance Rates Online
Top Toyota 4Runner Insurance Companies
The best auto insurance companies for Toyota 4Runner auto insurance rates will offer competitive rates, discounts, and account for the Toyota 4Runner’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| 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
Start comparing Toyota 4Runner auto insurance quotes for free by using our FREE online comparison tool.
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Frequently Asked Questions
What is the average annual cost of auto insurance for a Toyota 4Runner?
The average annual cost of auto insurance for a Toyota 4Runner is $1,332.
How much does liability-only coverage cost for a Toyota 4Runner?
Liability-only coverage for a Toyota 4Runner costs around $45 per month.
What factors impact the cost of Toyota 4Runner insurance?
Factors such as the age of the vehicle, driver’s age, driver’s location, and driving record can impact the cost of Toyota 4Runner insurance.
How do Toyota 4Runner safety ratings affect insurance rates?
Good Toyota 4Runner safety ratings can lead to cheaper insurance rates as they indicate better crash protection.
What are some strategies to save on Toyota 4Runner insurance?
To save on Toyota 4Runner insurance, you can consider comparing quotes from different companies, taking advantage of policy discounts, maintaining a clean driving record, bundling insurance policies, and considering higher deductibles.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.