Toyota 4Runner Insurance Quotes [Comprehensive Guide]

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.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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
Compare RatesStart Now →

Compare Free Toyota 4Runner Insurance Quotes Online

Save on your Toyota 4Runner car insurance rates by taking advantage of our FREE comparison tool.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption