How much does Toyota 4runner car insurance cost?

The average Toyota 4Runner owner spends $92 a month on minimum coverage insurance and $220 a month on full coverage. Compared to its competitors—which include the Ford Bronco, Jeep Wrangler, and Honda Passport—the 4Runner is generally less to insure.

But if you want to know your insurance costs, there’s no way to know but to ask for a car insurance quote. You could pay hundreds of dollars more each year depending on your vehicle’s trim level and age—or less, if you compare prices to find the lowest rate.

Compare the cheapest Toyota 4runner car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota 4runner drivers save an average of $0 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Toyota 4runner, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Toyota 4runner owners

There’s no single best insurance company for all Toyota 4runner owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

How much car insurance do you need for a Toyota 4runner?

The average cost of Toyota 4runner insurance is $2,640 per year for full coverage and $1,104 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

Why are some trims more expensive to insure than others?

Trims with high price tags also come with greater insurance costs. That’s because they usually pack more luxury materials, more advanced technology, and more powerful engines. For an example, let’s compare the Toyota 4Runner SR5 (the most base model for 20 years running) to the TRD Pro.

The 2024 models have a $10,000 price difference, which is borne out by the TRD Pro’s heated front seat, power moonroof, blind-spot monitoring system, and roof rack. Insurance companies have to pay more to fix a damaged 4Runner SR5 than a TRD Pro (to say nothing of the cost of a total loss), so they pass some of these costs to the consumer.

The table below shows you how much of a price gap exists between the top and bottom trims of the Toyota 4Runner.

Toyota 4runner insurance cost by model year

The more recently your Toyota 4runner was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota 4runners provided by Jerry to better understand how your driver profile might affect your cost.

2023 Toyota 4runner car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Toyota 4runner:

2022 Toyota 4runner car insurance quotes

2021 Toyota 4runner car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota 4runner:

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota 4runner with our real quote examples below:

2020 Toyota 4runner car insurance quotes

2019 Toyota 4runner car insurance quotes

2018 Toyota 4runner car insurance quotes

2017 Toyota 4runner car insurance quotes

2016 Toyota 4runner car insurance quotes

2015 Toyota 4runner car insurance quotes

2014 Toyota 4runner car insurance quotes

2013 Toyota 4runner car insurance quotes

Are Toyota 4runners expensive to insure?

The Toyota 4Runner is relatively cheap to insure. Like all other vehicles, there are several factors counting for and against its insurance costs:

• Fair safety ratings: The fourth and fifth generations of the 4Runner received mixed safety ratings from the IIHS. The safer a car is, the less risky it is to drive, and the cheaper it is to insure.
• Four-star crash test rating: The 4Runner maintains a steady four-star crash test rating from the NHTSA. Crash test ratings matter to insurers because safer cars protect their occupants from serious injuries, which means lower hospital bills.
• Large engine: If you have an older 4Runner packing a 4.7L V8 engine (as opposed to the modern 4.0L V6), you’ll pay more for car insurance. Bigger engines cost more to repair.

With all that in mind, here’s how the Toyota 4Runner stacks up in terms of cost against other vehicles in a similar price range:

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Toyota 4runner safety features

Toyota has a legendary safety reputation, and while the 4Runner’s ratings don’t quite live up to the high bar set by the Corolla or Camry, it has plenty of other features to recommend it. Here’s a partial list:

What other factors affect Toyota 4runner insurance rates?

Many factors influence your car insurance rate, such as:

• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
• Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Toyota 4runner insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Toyota 4runner insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Toyota 4runner insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance for Toyota 4runner drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Toyota 4runner drivers with varying speeding tickets save on car insurance.

Cheapest car insurance for Toyota 4runner drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota 4runner drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Toyota 4runner drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota 4runner drivers save on car insurance after car accidents.

Cheapest car insurance for Toyota 4runner drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Toyota 4runner drivers with these violations save on their car insurance.

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

• Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
• Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
• Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
• Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
• Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.

MEET OUR EXPERTS

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that\\\’s accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance. Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.