Key Takeaways
If you own or are planning to buy a Toyota 4Runner, it is important to know more about its insurance premiums. Being an SUV, the Toyota 4Runner car insurance cost is a bit higher than that of normal vehicles. Still, there are multiple companies that provide 4Runner car insurance quotes, and each one has different rates. So, let's check out the ways to get cheap insurance premiums for the Toyota 4Runner and the facts behind it.
The average annual Toyota 4Runner auto insurance cost is $1,512. These rates are estimated based on a 30-year-old driver with a good driving record. Furthermore, the average insurance cost of the 4Runner is a bit higher because it falls under the SUV category. Also, rates vary depending on several factors, so it is always recommended to browse different types of car insurance to find the best choice.
Compared to other SUVs, the Toyota 4Runner is not expensive to insure. The 4Runner tends to have more affordable insurance rates thanks to its solid safety scores, dependable performance, and relatively low repair expenses. So, you can always plan to save on Toyota 4Runner car insurance costs.
Factors like your age, trim level, driving experience, record, location, and the car's safety features can affect how much it costs to insure a Toyota 4Runner. Always check the latest rates to be sure they're up to date and compare quotes from different companies to find the best deal.
Nationwide is your go-to if you're trying to lock in the cheapest insurance for a 2020 Toyota 4Runner, with rates starting at $910. Vermont Mutual comes in second with an average cost of $998 per year. On the higher end, Plymouth Rock Insurance tops the list at $1,399 annually.
| Insurance Company | Annual Rate |
|---|---|
| Nationwide | $910 |
| Vermont Mutual | $998 |
| Erie | $1,226 |
| Tennessee Farmers | $1,242 |
| USAA | $1,273 |
| Country | $1,288 |
| Arbella | $1,305 |
| Mercury | $1,338 |
| State Farm | $1,366 |
| 21st Century | $1,375 |
| Plymouth Rock Insurance | $1,399 |
For the 2019 model, Cincinnati Insurance offers the lowest insurance rate, $946. Next is Nationwide, at $1,013. Southern Farm Bureau is the most expensive insurance company, charging $1,388 annually.
| Insurance Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $946 |
| Nationwide | $1,013 |
| Auto Owners | $1,062 |
| Erie | $1,101 |
| USAA | $1,142 |
| Country | $1,198 |
| Arbella | $1,230 |
| Acuity | $1,312 |
| Mercury | $1,316 |
| Plymouth Rock Insurance | $1,317 |
| Southern Farm Bureau | $1,388 |
While comparing the budget-friendly 2018 Toyota 4Runner car insurance costs, Erie takes the lead, with the cheapest annual premium at $861. Tennessee Farmers is close behind, charging $889. Meanwhile, Mercury ranks as the priciest pick, with rates reaching $1,206 per year.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $861 |
| Tennessee Farmers | $889 |
| Vermont Mutual | $922 |
| Plymouth Rock Insurance | $991 |
| USAA | $1,003 |
| Acuity | $1,031 |
| Arbella | $1,085 |
| Nationwide | $1,101 |
| Country | $1,105 |
| American Family | $1,193 |
| Mercury | $1,206 |
If you're insuring a 2017 Toyota 4Runner, Erie offers the lowest rate, $632 per year. Texas Farm Bureau is the next cheapest, at $758. On the higher end, Country charges the most, with an annual premium of $1,054.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $632 |
| Texas Farm Bureau | $758 |
| Progressive | $775 |
| USAA | $813 |
| State Farm | $817 |
| Nationwide | $874 |
| Tennessee Farmers | $879 |
| Vermont Mutual | $903 |
| Plymouth Rock Insurance | $971 |
| Acuity | $1,022 |
| Country | $1,054 |
Texas Farm Bureau has the lowest rate for 2016 Toyota 4Runner owners at $717 per year. Vermont Mutual comes in second at $823. On the flip side, Grange Insurance is the costliest option, setting you back about $1,211 annually.
| Insurance Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $717 |
| Vermont Mutual | $823 |
| Nationwide | $924 |
| Erie | $1,008 |
| Quincy Mutual | $1,059 |
| Arbella | $1,122 |
| Country | $1,141 |
| Tennessee Farmers | $1,191 |
| Amica | $1,199 |
| USAA | $1,200 |
| Grange Insurance | $1,211 |
Erie leads with the lowest Toyota 4Runner auto insurance rate, offering coverage at $611 per year. If you go with Country, you'll be paying the most, around $982 annually.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $611 |
| Texas Farm Bureau | $721 |
| USAA | $733 |
| Progressive | $753 |
| State Farm | $754 |
| Vermont Mutual | $809 |
| Tennessee Farmers | $830 |
| Nationwide | $875 |
| Plymouth Rock Insurance | $935 |
| Acuity | $952 |
| Country | $982 |
Among insurance companies that offer premiums for the 2014 4Runner, Erie once again gives the most budget-friendly option at $615 per year. Texas Farm Bureau trails behind with a rate of $682. Country takes the top spot for the most expensive at $955 annually.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $615 |
| Texas Farm Bureau | $682 |
| USAA | $727 |
| Vermont Mutual | $746 |
| Progressive | $771 |
| Tennessee Farmers | $801 |
| State Farm | $831 |
| Acuity | $898 |
| Plymouth Rock Insurance | $911 |
| Nationwide | $924 |
| Country | $955 |
If you're covering a 2013 Toyota 4Runner, Erie offers the cheapest plan at $611. Nationwide is the most expensive for this year, charging $916 for annual coverage.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $611 |
| Texas Farm Bureau | $660 |
| Vermont Mutual | $708 |
| USAA | $741 |
| Tennessee Farmers | $779 |
| Progressive | $785 |
| State Farm | $848 |
| Acuity | $848 |
| Plymouth Rock Insurance | $891 |
| Arbella | $909 |
| Nationwide | $916 |
For a 2012 Toyota 4Runner, Erie offers the cheapest insurance at $625 per year, followed by Texas Farm Bureau at $650. At the top of the price range, Nationwide and Country both charge around $922 and $920 annually.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $625 |
| Texas Farm Bureau | $650 |
| Vermont Mutual | $680 |
| USAA | $742 |
| Tennessee Farmers | $774 |
| Acuity | $821 |
| Progressive | $829 |
| State Farm | $870 |
| Plymouth Rock Insurance | $877 |
| Country | $920 |
| Nationwide | $922 |
The Toyota 4Runner is equipped with a strong set of safety features that set it apart from many other midsize SUVs. These features can enhance driver and passenger protection and can also help reduce Toyota 4Runner insurance costs. Here's a look at some of the key safety features available in the 4Runner:
The safety ratings of the Toyota 4Runner have an impact on your vehicle insurance prices. Below is a breakdown:
| 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 |
Good crash test results for the Toyota 4Runner not only indicate improved crash protection but also lower insurance costs for the vehicle.
| 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 |
Drive Safely: Careless driving can badly affect the Toyota 4Runner auto insurance cost. So, if you drive safely and keep a clean driving record, it'll help you lower your insurance premiums.
Improve the credit score: A good credit score, which is recommended to be between 670 and 739, can help you save up to $250 or more every year.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Toyota 4Runner.
Ask for relevant discounts: There are several discounts available from insurance companies that they don't usually tell you about, so you'll have to ask. Discounts like loyalty, senior citizens, military veterans, and more can help you bring down your annual premium.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 140 different insurance providers on our platform, which lets you choose the best policy that may help you lower your Toyota 4Runner car insurance cost.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The yearly insurance cost for a Toyota 4Runner is approximately $1,512.
Comparatively, the car insurance on a Toyota 4Runner is not too high.
Maintaining a Toyota 4Runner over five years can cost anywhere between $3,000 and $5,000. The exact amount depends on factors like the vehicle's age, how much it's been driven, and any repair needs.
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