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Toyota 4Runner Insurance Cost

Auto insurance for a Toyota 4Runner will cost about $1,478 per year.

This beats the national average for popular SUV models by $747. 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 $5,005 $7,350 $8,598
18 $4,664 $6,849 $8,013
19 $4,122 $6,053 $7,081
20 $3,594 $5,278 $6,174
21 $3,014 $4,426 $5,178
22 $2,936 $4,311 $5,043
23 $2,569 $3,772 $4,412
24 $2,440 $3,583 $4,192
25 $2,106 $3,092 $3,618
30 $1,640 $2,409 $2,818
35 $1,536 $2,256 $2,639
40 $1,478 $2,170 $2,538
45 $1,438 $2,111 $2,470
55 $1,319 $1,936 $2,265
65 $1,376 $2,020 $2,363
75 $1,736 $2,549 $2,982

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 $1,566 $2,274 $2,895
Alaska $1,295 $1,795 $1,745
Arizona $1,464 $2,116 $3,118
Arkansas $1,605 $2,522 $2,777
California $1,787 $3,160 $1,787
Colorado $1,668 $2,334 $2,961
Connecticut $2,131 $3,305 $4,195
Delaware $1,764 $2,351 $3,019
Florida $2,100 $2,906 $3,786
Hawaii $684 $929 $684
Idaho $1,188 $1,575 $1,915
Illinois $1,244 $1,880 $2,144
Indiana $1,278 $1,954 $2,192
Iowa $1,012 $1,388 $1,632
Kansas $1,347 $1,959 $2,292
Kentucky $1,947 $2,857 $3,374
Louisiana $2,499 $3,777 $4,096
Maine $945 $1,306 $1,928
Maryland $1,529 $2,226 $2,472
Massachusetts $1,226 $2,139 $1,226
Michigan $2,959 $4,509 $7,113
Minnesota $1,218 $1,624 $2,287
Mississippi $1,471 $2,097 $2,111
Missouri $1,386 $1,981 $2,602
Montana $1,409 $1,966 $2,288
Nebraska $1,191 $1,761 $1,913
Nevada $1,964 $2,913 $3,078
New Hampshire $1,366 $2,161 $2,731
New Jersey $1,505 $2,362 $3,091
New Mexico $1,537 $2,287 $2,374
New York $1,424 $1,793 $2,993
North Carolina $883 $1,517 $1,082
North Dakota $1,208 $1,836 $2,171
Ohio $1,077 $1,661 $1,703
Oklahoma $1,720 $2,463 $2,773
Oregon $1,565 $2,100 $2,508
Pennsylvania $1,318 $1,936 $2,265
Rhode Island $2,201 $3,229 $3,636
South Carolina $1,495 $2,072 $2,859
South Dakota $1,341 $1,932 $2,230
Tennessee $1,577 $2,322 $3,092
Texas $1,588 $2,295 $2,854
Utah $1,351 $1,893 $2,605
Vermont $1,040 $1,602 $1,693
Virginia $980 $1,504 $1,475
Washington $1,297 $1,760 $2,102
West Virginia $1,305 $1,869 $2,342
Wisconsin $1,301 $2,031 $2,317
Wyoming $1,215 $1,700 $1,811
Georgia $1,712 $2,560 $2,582

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: