Toyota 4Runner Car Insurance Cost 2025
Getting insurance for a Toyota 4Runner costs about $1,191 per year on average, but that number can change depending on a range of personal and vehicle-specific factors. Your age, driving history, location, credit score, coverage level, and the model year of your 4Runner all play a major role in determining how much you’ll pay.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Toyota 4Runner, you’ll need to factor in the cost of insurance. On average, insurance for a Toyota 4Runner costs $1,191 per year. Insurance is a crucial aspect of owning a car, and it’s important to understand the implications before making a purchase.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s critical to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, if you’re deemed at fault in an accident, your insurance premiums could increase.
Having analyzed car insurance rates for over a decade, I’ve observed the considerable variation in costs. Factors like age, driving history, and location can significantly impact insurance premiums. It’s essential to consider these factors carefully when selecting a car insurance policy.
How Much Does Toyota 4Runner Car Insurance Cost?
Typically, Toyota 4Runner drivers can expect to pay an average of $1,191 per year for car insurance. However, this figure is just a general estimate—your actual premium could be higher or lower depending on factors like your age, driving record, location, credit score, and the specific coverage you choose. Comparing quotes from different providers is the best way to find the most affordable rate tailored to your profile.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your Toyota 4Runner, and the type of coverage you select. For instance, keeping a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can lead to higher rates.
Additionally, urban areas with heavier traffic tend to have higher insurance premiums compared to rural areas, due to the increased risk of accidents or theft. The type of policy you choose also plays a big role—comprehensive coverage that includes collision protection usually costs more than basic liability coverage.
According to the data provided, the Toyota 4Runner has a lower insurance cost compared to the average of all Toyota models, and it’s also cheaper than the average cost for all cars.
To make sure you’re getting the best value, Insuranceopedia offers tools to compare quotes from multiple insurance providers, helping you find coverage that fits your needs and budget.
| Vehicle | Average Monthly Premium |
| Toyota 4Runner | $140 |
| All Toyotas | $165 |
| All Cars | $175 |
Average Insurance Cost Of Toyota 4Runner By Model Year
| Model Year | Average Premium |
| 2024 Toyota 4Runner | $1,396 |
| 2023 Toyota 4Runner | $688 |
| 2022 Toyota 4Runner | $714 |
| 2021 Toyota 4Runner | $807 |
| 2020 Toyota 4Runner | $652 |
| 2019 Toyota 4Runner | $673 |
| 2018 Toyota 4Runner | $579 |
| 2017 Toyota 4Runner | $483 |
| 2016 Toyota 4Runner | $776 |
| 2015 Toyota 4Runner | $554 |
| 2014 Toyota 4Runner | $857 |
| 2013 Toyota 4Runner | $664 |
| 2012 Toyota 4Runner | $801 |
| 2011 Toyota 4Runner | $560 |
| 2010 Toyota 4Runner | $683 |
2024 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2024 Toyota 4Runner is $1,396. However, Virginia Farm Bureau offers the cheapest rates, averaging $1,120 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $1,285 |
| Auto-Owners Insurance Co | $1,684 |
| California Capital | $1,542 |
| USAA | $1,317 |
| Virginia Farm Bureau | $1,120 |
| Mercury | $1,300 |
| Penn National | $1,191 |
| 21st Century | $1,565 |
| Utica National Ins Group | $1,642 |
| ALFA | $1,311 |
2023 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2023 Toyota 4Runner is $688. However, Jupiter Auto Insurance offers the cheapest rates, averaging $11 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $447 |
| SECURA Insurance | $997 |
| Capital Insurance Group | $866 |
| Texas Farm Bureau Group | $851 |
| Jupiter Auto Insurance | $11 |
| Kemper Auto | Infinity | $660 |
| Safeco | $277 |
| North Carolina Farm Bureau | $963 |
| Utica National Ins Group | $950 |
| PEMCO | $862 |
2022 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2022 Toyota 4Runner is $714. However, Safeco offers the cheapest rates, averaging $43 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $613 |
| Mercury Insurance | $1,002 |
| MMG Insurance Company | $894 |
| Direct Auto | $741 |
| Safeco | $43 |
| American National P | $628 |
| Victoria | $419 |
| Countryway Insurance | $910 |
| NatGen PPA | $991 |
| Clearcover | $895 |
2021 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2021 Toyota 4Runner is $807. However, Safeco offers the cheapest rates, averaging $416 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $590 |
| Texas Farm Bureau Group | $1,026 |
| Virginia Farm Bureau | $976 |
| Buckeye Insurance Group | $833 |
| Safeco | $416 |
| Pekin Insurance | $668 |
| American National P | $585 |
| Safety Group | $988 |
| PEMCO | $1,040 |
| Norfolk and Dedham Group | $951 |
2020 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2020 Toyota 4Runner is $652. However, Safeco offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $438 |
| MMG Insurance Company | $908 |
| PEMCO | $816 |
| SafeAuto | $621 |
| Safeco | $379 |
| Concord Group | $616 |
| American National P | $414 |
| Ohio Mutual Ins Group | $810 |
| AssuranceAmerica Mobile Max | $859 |
| Kemper Auto | Infinity | $654 |
2019 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2019 Toyota 4Runner is $673. However, Jupiter Auto Insurance offers the cheapest rates, averaging $80 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $460 |
| Wolverine Mutual | $1,045 |
| Utica National Ins Group | $814 |
| West Bend Mutual | $815 |
| Jupiter Auto Insurance | $80 |
| Mercury Insurance | $612 |
| Safeco | $411 |
| Pekin Insurance | $884 |
| Rural Mutual Insurance | $907 |
| National General Value | $792 |
2018 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2018 Toyota 4Runner is $579. However, NatGen Advantage offers the cheapest rates, averaging $376 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $463 |
| Mercury Insurance | $693 |
| Concord Group | $658 |
| AssuranceAmerica Mobile Max | $561 |
| NatGen Advantage | $376 |
| Safeco | $555 |
| Dairyland FR Bond | $396 |
| Rural Mutual Insurance | $706 |
| Buckeye Insurance Group | $726 |
| Pekin Insurance | $660 |
2017 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2017 Toyota 4Runner is $487. However, Safeco offers the cheapest rates, averaging $128 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $481 |
| SafeAuto | $690 |
| Concord Group | $614 |
| Mercury Insurance | $441 |
| Safeco | $128 |
| Buckeye Insurance Group | $467 |
| National General RAD | $240 |
| Kemper Auto | Infinity | $600 |
| Loya Insurance | $679 |
| AssuranceAmerica Economy | $492 |
Find Affordable Toyota 4Runner Insurance Rates
2016 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2016 Toyota 4Runner is $776. However, Safeco offers the cheapest rates, averaging $228 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $727 |
| Indiana Farmers Mutual Ins | $998 |
| SECURA Insurance | $898 |
| Pekin Insurance | $890 |
| Safeco | $228 |
| Buckeye Insurance Group | $784 |
| American National P | $417 |
| PEMCO | $949 |
| Virginia Farm Bureau | $951 |
| Texas Farm Bureau Group | $913 |
2015 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2015 Toyota 4Runner is $554. However, Safeco offers the cheapest rates, averaging $40 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $468 |
| West Bend Mutual | $767 |
| Buckeye Insurance Group | $680 |
| Wolverine Mutual | $561 |
| Safeco | $40 |
| Concord Group | $463 |
| Mercury Insurance | $406 |
| New Jersey Manufacturers | $724 |
| North Carolina Farm Bureau | $782 |
| MMG Insurance Company | $649 |
2014 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2014 Toyota 4Runner is $857. However, SECURA Insurance offers the cheapest rates, averaging $659 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $794 |
| PEMCO | $960 |
| Farmers Mutual of Nebraska | $969 |
| Virginia Farm Bureau | $808 |
| SECURA Insurance | $659 |
| Mercury Insurance | $829 |
| American National P | $642 |
| Atlantic States Insurance | $967 |
| North Star | $1,017 |
| Umialik Insurance | $929 |
2013 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2013 Toyota 4Runner is $857. However, National General Value offers the cheapest rates, averaging $361 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $584 |
| Kentucky Farm Bureau | $823 |
| MO Farm Bureau Services | $738 |
| West Bend Mutual | $617 |
| National General Value | $361 |
| American National P | $602 |
| Pekin Insurance | $590 |
| PEMCO | $768 |
| Rockford Mutual Insurance | $801 |
| SECURA Insurance | $751 |
2012 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2012 Toyota 4Runner is $801. However, Safeco offers the cheapest rates, averaging $217 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $824 |
| National General Value | $995 |
| Direct Auto | $855 |
| Colorado Farm Bureau Mutual | $851 |
| Safeco | $217 |
| North Carolina Farm Bureau | $837 |
| Dairyland | $785 |
| Mississippi Farm Bureau | $888 |
| Clearcover | $917 |
| Virginia Farm Bureau | $844 |
2011 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2011 Toyota 4Runner is $560. However, PEMCO offers the cheapest rates, averaging $471 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $471 |
| Atlantic States Insurance | $645 |
| Colorado Farm Bureau Mutual | $654 |
| North Carolina Farm Bureau | $588 |
| Kemper Auto | Infinity | $303 |
| Pekin Insurance | $561 |
| Buckeye Insurance Group | $439 |
| Capital Insurance Group | $666 |
| SECURA Insurance | $679 |
| AssuranceAmerica | $595 |
2010 Toyota 4Runner Insurance Rates
The average annual insurance cost for a 2010 Toyota 4Runner is $683. However, American National P offers the cheapest rates, averaging $399 per year.
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $676 |
| PEMCO | $813 |
| Utica National Ins Group | $753 |
| First Chicago Insurance | $701 |
| American National P | $399 |
| North Carolina Farm Bureau | $697 |
| Pekin Insurance | $474 |
| Ohio Mutual Ins Group | $797 |
| SECURA Insurance | $824 |
| Buckeye Insurance Group | $694 |
Find Affordable Toyota 4Runner Insurance Rates
Is A Toyota 4Runner Expensive To Insure?
The cost to insure a Toyota 4Runner is generally lower than the average insurance cost for all cars. However, the exact amount you’ll pay depends on several personal and vehicle-related factors. These include your age, driving history, the age and condition of your vehicle, your location, and the level of coverage you choose.
For example, younger drivers or those with past violations typically pay more, while experienced drivers with clean records may enjoy lower premiums. Similarly, living in a city with higher traffic or crime rates could increase your insurance costs compared to more rural or suburban areas.
To get the best rate possible, it’s a good idea to shop around and compare quotes from different insurers, as each company uses its own formula to calculate rates.
Cost of Toyota 4Runner Car Insurance By Age
Age is one of the most influential factors when it comes to determining car insurance rates. Teen drivers usually face the highest premiums, largely because they’re statistically more likely to be involved in accidents due to their lack of experience on the road.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $5,050 | $7,430 | $8,680 |
| 18 | $4,700 | $6,920 | $8,090 |
| 19 | $4,180 | $6,120 | $7,120 |
| 20 | $3,620 | $5,360 | $6,250 |
| 21 | $3,060 | $4,490 | $5,240 |
| 22 | $2,980 | $4,350 | $5,080 |
| 23 | $2,600 | $3,810 | $4,460 |
| 24 | $2,460 | $3,640 | $4,230 |
| 25 | $2,130 | $3,130 | $3,670 |
| 30 | $1,670 | $2,440 | $2,830 |
| 35 | $1,530 | $2,250 | $2,660 |
| 40 | $1,510 | $2,190 | $2,560 |
| 45 | $1,460 | $2,140 | $2,490 |
| 55 | $1,340 | $1,940 | $2,280 |
| 65 | $1,390 | $2,010 | $2,360 |
| 75 | $1,740 | $2,580 | $2,990 |
Toyota 4Runner Car Insurance Rates By State
Where you live has a major impact on how much you’ll pay for Toyota 4Runner insurance. Insurance companies factor in local laws, weather patterns, and accident statistics when setting your rate. For instance, states like Michigan tend to have higher premiums due to stricter coverage requirements.
Climate also plays a role—living in areas prone to hurricanes, hailstorms, or flooding increases the risk of vehicle damage, which can raise your insurance cost.
Additionally, urban areas with high traffic, crime, or accident rates often lead to higher premiums compared to quieter rural regions. This includes areas with higher rates of car theft, crashes, or vehicle-related fatalities, all of which raise the risk profile in the eyes of insurers.
So, while your driving habits matter, your zip code can be just as influential in determining what you’ll pay to insure your Toyota 4Runner.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,920 | $2,810 | $3,520 |
| Alaska | $1,560 | $2,140 | $2,090 |
| Arizona | $1,720 | $2,520 | $3,650 |
| Arkansas | $1,890 | $2,960 | $3,280 |
| California | $2,150 | $3,700 | $2,140 |
| Colorado | $1,970 | $2,760 | $3,470 |
| Connecticut | $2,510 | $3,880 | $4,940 |
| Delaware | $2,090 | $2,770 | $3,550 |
| Florida | $2,490 | $3,390 | $4,410 |
| Hawaii | $810 | $1,120 | $830 |
| Idaho | $1,390 | $1,850 | $2,240 |
| Illinois | $1,480 | $2,210 | $2,520 |
| Indiana | $1,510 | $2,310 | $2,580 |
| Iowa | $1,180 | $1,630 | $1,920 |
| Kansas | $1,590 | $2,320 | $2,700 |
| Kentucky | $2,300 | $3,340 | $3,950 |
| Louisiana | $2,960 | $4,450 | $4,780 |
| Maine | $1,110 | $1,540 | $2,270 |
| Maryland | $1,790 | $2,600 | $2,890 |
| Massachusetts | $1,480 | $2,500 | $1,470 |
| Michigan | $3,480 | $5,270 | $8,320 |
| Minnesota | $1,450 | $1,900 | $2,660 |
| Mississippi | $1,760 | $2,450 | $2,490 |
| Missouri | $1,650 | $2,350 | $3,070 |
| Montana | $1,650 | $2,310 | $2,700 |
| Nebraska | $1,420 | $2,050 | $2,240 |
| Nevada | $2,320 | $3,390 | $3,600 |
| New Hampshire | $1,600 | $2,520 | $3,220 |
| New Jersey | $1,790 | $2,800 | $3,640 |
| New Mexico | $1,810 | $2,680 | $2,800 |
| New York | $1,700 | $2,110 | $3,480 |
| North Carolina | $1,030 | $1,770 | $1,280 |
| North Dakota | $1,430 | $2,140 | $2,560 |
| Ohio | $1,270 | $1,960 | $1,990 |
| Oklahoma | $2,030 | $2,920 | $3,240 |
| Oregon | $1,860 | $2,450 | $2,920 |
| Pennsylvania | $1,560 | $2,260 | $2,680 |
| Rhode Island | $2,600 | $3,800 | $4,270 |
| South Carolina | $1,770 | $2,450 | $3,330 |
| South Dakota | $1,570 | $2,280 | $2,620 |
| Tennessee | $1,880 | $2,730 | $3,620 |
| Texas | $1,860 | $2,710 | $3,350 |
| Utah | $1,590 | $2,230 | $3,070 |
| Vermont | $1,230 | $1,890 | $2,010 |
| Virginia | $1,150 | $1,770 | $1,750 |
| Washington | $1,550 | $2,070 | $2,450 |
| West Virginia | $1,540 | $2,200 | $2,730 |
| Wisconsin | $1,540 | $2,400 | $2,740 |
| Wyoming | $1,430 | $2,010 | $2,120 |
| Georgia | $2,020 | $3,040 | $3,030 |
Find Affordable Toyota 4Runner Insurance Rates
Cheapest Car Insurance Companies For A Toyota 4Runner
Where you live has a major impact on how much you’ll pay for Toyota 4Runner insurance. Insurance companies factor in local laws, weather patterns, and accident statistics when setting your rate. For instance, states like Michigan tend to have higher premiums due to stricter coverage requirements.
Climate also plays a role—living in areas prone to hurricanes, hailstorms, or flooding increases the risk of vehicle damage, which can raise your insurance cost.
Additionally, urban areas with high traffic, crime, or accident rates often lead to higher premiums compared to quieter rural regions. This includes areas with higher rates of car theft, crashes, or vehicle-related fatalities, all of which raise the risk profile in the eyes of insurers.
So, while your driving habits matter, your zip code can be just as influential in determining what you’ll pay to insure your Toyota 4Runner.
| Company | Average Monthly Rate |
| American Family | $22 |
| MetLife | $46 |
| Amica | $35 |
| AnswerFinancial | $36 |
| MotionAuto | $41 |
Common Toyota 4Runner Insurance Discounts
Discounts are an effective way to reduce your Toyota 4Runner insurance premiums. While each insurance provider has its own offerings, there are several common discounts you may be eligible for:
- Multi-policy discount: Bundling your auto insurance with another policy—like home or renters insurance—from the same company often results in a lower rate.
- Annual payment discount: Paying your premium in full upfront instead of in monthly installments can lead to savings.
- Defensive driving discount: Completing an approved defensive driving course may qualify you for a discount, as it demonstrates lower risk.
In addition to these, there may be other discounts available, such as those for safe driving history, vehicle safety features, low annual mileage, or being a loyal customer. It’s best to speak directly with your insurance agent, who can review your profile and help you maximize any discounts you’re eligible for.
Ways To Save On Toyota 4Runner Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Toyota 4Runner insurance premiums low. Incidents like speeding tickets or at-fault accidents can significantly raise your rates. For instance, 4Runner drivers with a ticket on their record pay around $90 per month, while those with multiple accidents may see their premiums rise to an average of $125 per month.
Another key factor is how much you drive. Insurance providers often offer lower rates to drivers with lower annual mileage, as they pose less risk. For example, Toyota 4Runner drivers who log between 2,501 and 5,000 miles annually pay about $67 per month. On the other hand, those driving more than 10,000 miles per year tend to pay closer to $78 per month. Keeping your mileage low and your record clean can help you save significantly on insurance.
Compare Toyota 4Runner To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the rates shown in this guide are averages, and your actual insurance premium may vary based on your personal profile and driving history.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota 4Runner?
Yes, you’ll need to provide proof of insurance before you can drive your Toyota 4Runner out of the dealership. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car. This way, you’ll have coverage in place before you take ownership, and you won’t need to rely on getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Toyota 4Runner?
The best way to find the cheapest rates for your Toyota 4Runner is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website. This can help you find the most affordable options for your needs.
