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Key Takeaways
- Toyota 4Runner insurance averages around $1,512/year, but rates vary by model year, driver profile, and insurer.
- Safety features and solid crash ratings help keep 4Runner insurance costs relatively affordable for an SUV.
- Comparing multiple quotes and using discounts or bundles can significantly reduce premiums.
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.
Toyota 4Runner Auto Insurance Cost
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.
Are Toyota 4Runner Models Expensive to Insure?
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.
What Affects the Cost of Toyota 4Runner Car Insurance?
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.
Cheapest Companies Based on Toyota 4Runner Model Years
2020 Toyota 4Runner
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 |
2019 Toyota 4Runner
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 |
2018 Toyota 4Runner
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 |
2017 Toyota 4Runner
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 |
2016 Toyota 4Runner
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 |
2015 Toyota 4Runner
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 |
2014 Toyota 4Runner
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 |
2013 Toyota 4Runner
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 |
2012 Toyota 4Runner
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 |
Toyota 4Runner Safety Features
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:
- Pre-Collision System with Pedestrian Detection
- Lane Departure Alert
- Dynamic Radar Cruise Control
- Automatic High Beams
- Blind-Spot Monitor
- Rear Cross-Traffic Alert
- Star Safety System (includes ABS, EBD, Brake Assist, Traction Control, and VSC)
- 8 Airbags
- Hill-Start Assist Control (HAC)
- Downhill Assist Control (DAC)
- Vehicle Stability Control (VSC)
- Anti-lock Braking System (ABS)
- Vehicle Dynamics Integrated Management (VDIM)
- Multi-Terrain Monitor / Panoramic View Monitor (on select trims)
- Stabilizer Bar Disconnection (on TRD Off-Road trims)
Toyota 4Runner safety ratings
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 |
Toyota 4Runner crash test ratings
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 |
Ways to Save on Toyota 4Runner Car Insurance
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.
How Do I Find the Best Toyota 4Runner Car Insurance Rates?
- It could be tempting to choose a provider that offers a low Toyota 4Runner car insurance quote. However, it's always better to apply for multiple free insurance quotes from as many companies as possible! You can either apply individually or use an insurance platform like Way.com.
- Comparing is the wisest move when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don't always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to Get Toyota 4Runner Car Insurance with Way
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.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
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
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
How much is insurance on a Toyota 4Runner?
The yearly insurance cost for a Toyota 4Runner is approximately $1,512.
Is car insurance high on a Toyota 4Runner?
Comparatively, the car insurance on a Toyota 4Runner is not too high.
Is a 4Runner cheap to maintain?
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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