Toyota 4Runner Insurance

And how to get the lowest premiums.


Many things contribute to your Toyota 4Runner insurance policy rates. Instead of contacting multiple companies for quotes, you can consult an independent insurance agent who has access to dozens of reputable insurance companies. They can recommend certain types of coverage and talk with you about how the laws in your area affect your choices. You'll need car insurance personalized for you and your 4Runner. 

Not sure where to look? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Toyota 4Runner. 

What Kind of Insurance do You Need for Your Toyota 4Runner?

Bodily Injury Liability

If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person. 

Property Damage Liability

In many places, property damage liability coverage is required by law. Even so, consider purchasing more than the minimum amount. You'll have to pay for damage you cause that exceeds the limits of your policy. 

Medical Payments/Personal Injury Protection

Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance are concerned. In some states, this type of insurance is mandatory. If you are in an accident, this policy may pay for costs related to physical recovery for you and your passengers. 

Uninsured Motorist Coverage

Not every driver has the right amount of insurance coverage. Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage is an extra layer of protection that pays for repairs to your vehicle if you are in an accident with someone without insurance who can't pay the costs on their own. 

Optional Coverage:


Collision coverage pays to repair or replace your Toyota if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older 4Runner. 


If you are in an accident caused by an animal in the road or are the victim of vandalism, you'll need comprehensive coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your 4Runner, minus your deductible, up to its fair market value for covered incidents. 

Glass Coverage

You can't put off replacing a windshield without risking a ticket, but the cost can be hard to stomach. It's often less than your deductible, but still expensive enough that it's worth considering adding glass coverage to your policy. 

Gap Insurance

If you think you owe more on your car than its market value and you didn't buy gap coverage at the dealership where you purchased your new 4Runner, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if your are in an accident that the insurance company deems a "total loss." 

What Affects the Cost of Insurance for Your Toyota 4Runner?

Annual Mileage: If you drive more than an average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance on your 4Runner. 

Your Driving Record: if you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. 

The Value of Your Vehicle: 2020 Toyota 4Runner prices start at about $36,000. That's about average for this class of vehicle.  

Average Toyota 4Runner Insurance Costs

An average 40-year-old Toyota 4Runner driver pays $1,332 annually for full coverage auto insurance. This includes collision and comprehensive coverage. Liability-only insurance rates drop down to an average of $376 per year. New drivers who are just 16 years old pay average rates that are much higher at $4,736 per year. Your rates may vary greatly from these averages. Your agent can help you understand the factors that heavily influence your 4Runner insurance premiums. 

The Safety of your Toyota 4Runner

The NHTSA gave the 2020 Toyota 4Runner with all-wheel drive an overall four-star safety rating. Lane departure warning is one safety feature that comes standard on all 4Runners, which contributes to the vehicle's overall safety on the road. 

How Location Affects Your Toyota 4Runner Insurance 

Toyota 4Runner drivers who live in densely populated areas should expect to pay higher insurance premiums. In Los Angeles, the average auto insurance policy for a 4Runner is $2,277 per year. It's $1,930 per year in Jacksonville, Florida. If you live in Columbus, Ohio, your average rate is just $1,108 per year. 


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Additional Factors that Affect Your Toyota 4Runner Insurance Premiums

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Toyota 4Runner

Average annual cost to insure a Toyota 4Runner with full coverage: $1,332
Teens: $4,736
High-risk drivers: $2,848
High deductibles: $1,132
Low deductibles: $1,716
Top 3 most expensive states for Toyota 4Runner insurance:
Michigan, New York, Florida $1,800
Top 3 most affordable states for Toyota 4Runner insurance:
Ohio, Utah, New Hampshire $960

Top Independent Insurance Carriers That Insure the Toyota 4Runner

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

Get a Toyota 4Runner Quote

Your independent insurance agent can help you get the auto insurance you need for your Toyota 4Runner. With the help of the Find an Agent tool, you can get in touch with an agent right away. Get started by using to locate an independent insurance agent in your area, today. 

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