Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 18, 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 $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
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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?

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
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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
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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
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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
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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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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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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
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Compare Free Toyota 4Runner Insurance Quotes Online

Start comparing Toyota 4Runner auto insurance quotes for free by using our FREE online comparison tool.