Toyota 4Runner Insurance Cost

Auto insurance for a Toyota 4Runner will cost about $1,448 per year.

This beats the national average for popular SUV models by $446. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Toyota 4Runner.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Toyota 4Runner insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Toyota 4Runner Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $4,904 $7,201 $8,424
18 $4,570 $6,711 $7,851
19 $4,039 $5,931 $6,938
20 $3,522 $5,171 $6,050
21 $2,953 $4,337 $5,073
22 $2,876 $4,224 $4,941
23 $2,517 $3,695 $4,323
24 $2,391 $3,511 $4,107
25 $2,063 $3,030 $3,544
30 $1,607 $2,360 $2,761
35 $1,505 $2,210 $2,586
40 $1,448 $2,126 $2,487
45 $1,409 $2,069 $2,420
55 $1,292 $1,897 $2,220
65 $1,348 $1,979 $2,315
75 $1,701 $2,498 $2,922

Toyota 4Runner car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Toyota 4Runner by state.

Toyota 4Runner Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,534 $2,228 $2,836
Alaska $1,269 $1,759 $1,710
Arizona $1,434 $2,074 $3,055
Arkansas $1,573 $2,471 $2,721
California $1,751 $3,097 $1,751
Colorado $1,634 $2,287 $2,901
Connecticut $2,088 $3,238 $4,110
Delaware $1,728 $2,303 $2,958
Florida $2,058 $2,847 $3,710
Georgia $1,678 $2,509 $2,529
Hawaii $670 $910 $670
Idaho $1,164 $1,543 $1,876
Illinois $1,219 $1,842 $2,100
Indiana $1,252 $1,914 $2,148
Iowa $992 $1,360 $1,599
Kansas $1,319 $1,920 $2,245
Kentucky $1,907 $2,800 $3,306
Louisiana $2,448 $3,701 $4,013
Maine $926 $1,280 $1,889
Maryland $1,498 $2,181 $2,422
Massachusetts $1,201 $2,096 $1,201
Michigan $2,899 $4,418 $6,969
Minnesota $1,194 $1,591 $2,241
Mississippi $1,441 $2,055 $2,068
Missouri $1,358 $1,941 $2,550
Montana $1,380 $1,926 $2,242
Nebraska $1,167 $1,725 $1,875
Nevada $1,924 $2,855 $3,015
New Hampshire $1,339 $2,117 $2,676
New Jersey $1,475 $2,314 $3,028
New Mexico $1,506 $2,241 $2,326
New York $1,395 $1,757 $2,933
North Carolina $865 $1,486 $1,060
North Dakota $1,184 $1,799 $2,127
Ohio $1,055 $1,628 $1,669
Oklahoma $1,685 $2,413 $2,717
Oregon $1,533 $2,058 $2,458
Pennsylvania $1,292 $1,897 $2,219
Rhode Island $2,157 $3,163 $3,562
South Carolina $1,465 $2,030 $2,801
South Dakota $1,314 $1,893 $2,185
Tennessee $1,545 $2,275 $3,030
Texas $1,556 $2,248 $2,797
Utah $1,324 $1,855 $2,553
Vermont $1,019 $1,569 $1,659
Virginia $960 $1,474 $1,445
Washington $1,271 $1,725 $2,060
West Virginia $1,279 $1,831 $2,294
Wisconsin $1,275 $1,990 $2,270
Wyoming $1,190 $1,666 $1,774

Toyota 4Runner Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Toyota 4Runner ranks for Insurance compared to other vehicles. Also check out how the 4Runner stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Toyota 4Runner Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Toyota 4Runner costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: