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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.
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The average Toyota 4Runner auto insurance costs are $1,332 a year or $111 a month.
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.
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.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The Toyota 4Runner safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota 4Runner has the following safety features:
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 | |
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.
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.
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 | |||
Start comparing Toyota 4Runner auto insurance quotes for free by using our FREE online comparison tool.
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