Online Toyota 4Runner Insurance Rates [Comprehensive Guide]

Toyota 4Runner insurance rates average at $111 a month, but 2019 Toyota 4Runner insurance costs could be much higher. If you want to save money on your Toyota 4Runner insurance coverage, start by comparison shopping online now with our free guide. Enter your ZIP code below to get a free Toyota 4Runner insurance quote online.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 per year than the average vehicle with full coverage costing around $1,332 a year or $111 a month. The highest rates are for teens who pay around $4,868 a year or $406 a month.

Good drivers are eligible for up to $549 a year in policy discounts by practicing safe driving practices. We’re going to take a quick look at 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 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 Escalade ESV, Hyundai Santa Fe, and Jaguar F-PACE.

Vehicle Comprehensive Collision Liability Total
Toyota 4Runner $348 $532 $316 $1,332
Cadillac Escalade ESV $464 $720 $390 $1,732
Hyundai Santa Fe $294 $562 $372 $1,386
Jaguar F-PACE $470 $982 $398 $2,008
Nissan Armada $306 $536 $338 $1,316
BMW X5 $444 $750 $372 $1,724
Audi Q7 $394 $714 $398 $1,664
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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 will affect 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
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Driver Age

Driver age can have a significant impact on Toyota 4Runner auto insurance rates. For example, 20-year-old drivers pay approximately $1,629 more each year for their Toyota 4Runner auto insurance than 30-year-old drivers.

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 car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota 4Runner car insurance rates with violations on their driving record.

Toyota 4Runner Safety Ratings

The Toyota 4Runner’s safety ratings will affect your Toyota 4Runner car insurance rates. See the chart 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
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Toyota 4Runner Crash Test Ratings

The crash test ratings of the Toyota 4Runner can impact 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
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Toyota 4Runner Safety Features

The more safety features you have on your Toyota 4Runner, the more likely it is that you can earn a discount. 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

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
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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

If you want to reduce the cost of your Toyota 4Runner insurance rates, follow these tips below:

  • Compare Toyota 4Runner Quotes for Free Online
  • Check the Odometer on Your Toyota 4Runner
  • Watch Your Insurer Closely When Your Toyota 4Runner Needs Repairs
  • Get Cheaper Toyota 4Runner Car Insurance Rates as a Full-Time Parent
  • Ask About Welcome Discounts

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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Compare Free Toyota 4Runner Insurance Quotes Online

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.

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Compare over 200 auto insurance companies at once!

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