Buy Cheap Toyota 4Runner Auto Insurance in 2024
Average Toyota 4Runner car insurance rates cost $1,332 a year, or around $111 a month. Shop around to find cheap Toyota 4Runner insurance rates. On average, Toyota 4Runner comprehensive insurance coverage costs $324, collision coverage costs $474, and liability coverage costs $376.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
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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
Do you need to find cheaper Toyota 4Runner insurance rates? Good drivers can save as much as $549 a year by earning policy discounts. Learn more about what drivers can do to save in our comprehensive guide to Toyota 4Runner insurance rates.
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 rates 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 Cadillac XT5, Infiniti QX60, and Acura RDX.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota 4Runner | $348 | $532 | $316 | $1,332 |
| Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| Infiniti QX60 | $404 | $750 | $372 | $1,684 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| Volkswagen Tiguan | $306 | $542 | $332 | $1,316 |
| Nissan Pathfinder | $294 | $452 | $390 | $1,294 |
| Toyota Highlander | $332 | $512 | $390 | $1,392 |
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 insurance coverage.
Age of the Vehicle
The average Toyota 4Runner auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Toyota 4Runner cost $1,332, while 2010 Toyota 4Runner rates 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. For example, 20-year-old drivers pay $1,629 more for their Toyota 4Runner car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota 4Runner insurance rates. For example, drivers in Phoenix may pay $733 a year less than drivers in Los Angeles.
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
Toyota 4Runner crash test ratings will affect your 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
Good Toyota 4Runner safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Toyota 4Runner are:
- 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
The lower percentage means lower Toyota 4Runner car insurance costs; higher percentages mean higher Toyota 4Runner car insurance costs. Compare the following Toyota 4Runner auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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, most lenders will require your carry higher Toyota 4Runner coverages including comprehensive coverage, so be sure to compare Toyota 4Runner car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Toyota 4Runner Insurance
You have more options at your disposal to save money on your Toyota 4Runner car insurance costs. For example, try these five tips:
- Save Money on Young Driver Toyota 4Runner Insurance By Mentioning Grades or GPA
- Ask for a New Toyota 4Runner Auto Insurance Rate Based on Your Improved Credit Score
- Ask for a Toyota 4Runner Discount If You Have College Degree or Higher
- Make Sure You’re Raising a Safe Driver
- Bundle Your Toyota 4Runner Auto Insurance with Home Insurance
Top Toyota 4Runner Insurance Companies
Who is the top car 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 | |||
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