Toyota 4Runner Insurance Cost

Auto insurance for a Toyota 4Runner will cost about $1,575 per year.

This beats the national average for popular SUV models by $492. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 4Runner.

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

These Toyota 4Runner insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Toyota 4Runner insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,336 $7,948 $9,395
18 $4,973 $7,407 $8,755
19 $4,394 $6,546 $7,737
20 $3,832 $5,707 $6,747
21 $3,213 $4,786 $5,658
22 $3,129 $4,661 $5,510
23 $2,738 $4,079 $4,821
24 $2,601 $3,875 $4,580
25 $2,245 $3,344 $3,953
30 $1,749 $2,605 $3,079
35 $1,638 $2,440 $2,884
40 $1,575 $2,346 $2,774
45 $1,533 $2,283 $2,699
55 $1,406 $2,094 $2,475
65 $1,466 $2,184 $2,582
75 $1,851 $2,757 $3,259

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 $1,669 $2,338 $2,926
Alaska $1,381 $2,011 $2,107
Arizona $1,561 $2,421 $3,452
Arkansas $1,711 $2,592 $2,900
California $1,905 $3,332 $1,905
Colorado $1,778 $2,461 $3,070
Connecticut $2,271 $3,512 $4,498
Delaware $1,880 $2,589 $3,437
Florida $2,239 $3,041 $3,965
Georgia $1,825 $2,813 $2,887
Hawaii $729 $1,006 $729
Idaho $1,267 $1,705 $2,122
Illinois $1,326 $1,960 $2,273
Indiana $1,362 $2,129 $2,484
Iowa $1,079 $1,619 $1,886
Kansas $1,435 $2,113 $2,503
Kentucky $2,075 $3,121 $3,671
Louisiana $2,664 $4,071 $4,383
Maine $1,007 $1,351 $1,972
Maryland $1,630 $2,390 $2,823
Massachusetts $1,307 $2,211 $1,307
Michigan $3,155 $4,743 $7,292
Minnesota $1,299 $1,744 $2,582
Mississippi $1,568 $2,368 $2,501
Missouri $1,477 $2,034 $2,631
Montana $1,502 $2,350 $2,592
Nebraska $1,269 $1,797 $2,044
Nevada $2,094 $3,161 $3,468
New Hampshire $1,457 $2,348 $2,989
New Jersey $1,605 $2,530 $3,264
New Mexico $1,639 $2,358 $2,648
New York $1,518 $1,977 $3,191
North Carolina $941 $1,519 $1,171
North Dakota $1,288 $1,982 $2,516
Ohio $1,148 $1,878 $1,945
Oklahoma $1,834 $2,753 $3,123
Oregon $1,668 $2,520 $2,891
Pennsylvania $1,405 $2,125 $2,439
Rhode Island $2,346 $3,601 $4,118
South Carolina $1,593 $2,306 $3,291
South Dakota $1,430 $1,967 $2,360
Tennessee $1,681 $2,515 $3,173
Texas $1,693 $2,492 $3,128
Utah $1,440 $2,083 $2,873
Vermont $1,109 $1,773 $1,938
Virginia $1,045 $1,573 $1,671
Washington $1,383 $2,077 $2,449
West Virginia $1,391 $2,026 $2,502
Wisconsin $1,387 $2,025 $2,459
Wyoming $1,295 $1,903 $2,127

Other Important Costs of Owning a Toyota 4Runner

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Toyota 4Runner depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.