Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker

UPDATED: May 6, 2022

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The Concise Case

  • The average Toyota 4Runner insurance costs are $111 per month or $1,332 annually.
  • The Toyota 4Runner auto insurance costs are average for a midsize SUV.
  • Your age, driving record, and the state you live in will also impact your Toyota 4Runner car insurance costs.

Are you looking for affordable Toyota 4Runner insurance costs? Then you’ve come to the right place. On average, Toyota 4Runner drivers pay $111 per month or $1,332 annually for auto insurance. However, many factors will impact your individual rates, including the age of your model, where you live, and your driving history.

The Toyota 4Runner has always been a popular car out on the road, and for good reason. It is well-designed, powerful, and useful for a variety of driving situations. You might see a 4Runner on a family vacation, or off-road in the mountains, or even being used for a weekly commute. However, before purchasing a Toyota 4Runner, don’t forget to also consider the price of auto insurance.

Whether you have an older vehicle and need 2002 Toyota 4Runner costs or are shopping for a new car and need 2020 Toyota 4Runner insurance costs, we can help.

Read through our complete guide to understand exactly what goes into determining your Toyota 4Runner insurance costs. We’ll show real rates Toyota 4Runner drivers pay for insurance, and even suggest auto insurance discounts your vehicle might qualify for.

Can’t wait to start comparing the best quotes Toyota 4Runner insurance costs? Just enter your ZIP code into our FREE quote tool above to immediately receive a range of quotes for your Toyota 4Runner from reputable providers near you to keep yourself covered out on the road.

How much is Toyota 4Runner insurance cost?

Auto insurance providers do care about what kind of vehicle you drive. Some car makes and models will help you keep your insurance rates low, while others might actually cost you more money.

In particular, insurance providers will consider the age of your car model, the safety ratings and crash test results for your specific vehicle, any safety features or anti-theft devices you’ve installed, and the insurance loss probability details for your car type.

The average Toyota 4Runner insurance cost is $111 per month or $1,332 annually. The 4Runner is considered to be a midsize SUV. In the table below, compare the average annual costs of the 4Runner to other vehicles in the same car class.

Toyota 4Runner Average Annual Auto Insurance Rates Compared to Other Midsize SUVs

Vehicle Make and ModelAverage Annual Auto Insurance Rates
Ford Explorer$1,308
Nissan Pathfinder$1,308
Toyota 4Runner$1,332
Honda Pilot$1,336
Jeep Grand Cherokee$1,414
Kia Sorento$1,414
Buick Enclave$1,472
Volkswagen Atlas$1,624
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As you can see from the data above, the 4Runner falls in the middle in terms of auto insurance rates for midsize SUVs. In other words, the 4Runner doesn’t have the most expensive SUV insurance rates, but it isn’t the cheapest either.

Remember, this number is more of a guideline than an exact estimate for what a Toyota 4Runner will cost you to insure. Providers will also take into consideration where you live, what model year you purchase, your age, and your driving record. Keep this in mind as we move forward.

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What affects Toyota 4Runner insurance costs?

There are many major and minor factors that influence auto insurance rates for vehicle owners. Some are about the type of car you drive on the road, others are about you as the driver, and some have to do with how safe the road is near where you live.

In the next sections, we’ll focus on how car model age, safety ratings, crash test results, and your unique driver demographics influence your insurance costs. Keep reading to learn more.

How does the age and trim affect Toyota 4Runner insurance costs?

The age of your Toyota 4Runner will impact your overall auto insurance premiums. Older 4Runners tend to be less expensive to insure than newer 4Runners. 2003 4Runner insurance costs will be lower than Toyota 4Runner auto insurance rates for a newer model. The fair market range of a vehicle is determined mostly by its age, and that’s how insurers determine how much your vehicle needs to be covered.

It also depends on if you get a rear-wheel drive, 4-wheel drive, or front wheel drive, as well as other options that can affect your mileage, weight, cubic feet of cargo space, and fuel economy and systems efficiency.

See what we mean in the table below, which compares average annual rates for the Toyota 4Runner by model year.

Toyota 4Runner Average Annual Auto Insurance Rates by Model Year

Toyota 4Runner Model YearAverage Annual Comprehensive Auto Insurance RatesAverage Annual Collision Auto Insurance RatesAverage Annual Liability Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
2020 Toyota 4Runner$348$532$316$1,332
2019 Toyota 4Runner$332$512$332$1,312
2018 Toyota 4Runner$320$506$338$1,300
2017 Toyota 4Runner$308$494$354$1,292
2016 Toyota 4Runner$298$474$364$1,272
2015 Toyota 4Runner$282$458$376$1,252
2014 Toyota 4Runner$270$424$384$1,214
2013 Toyota 4Runner$260$400$388$1,184
2012 Toyota 4Runner$248$358$390$1,132
2011 Toyota 4Runner$232$330$390$1,088
2010 Toyota 4Runner$224$310$394$1,064
2009 Toyota 4Runner$220$288$402$1,046
2008 Toyota 4Runner$202$268$402$1,008
2007 Toyota 4Runner$198$244$406$984
2006 Toyota 4Runner$184$222$402$944
2005 Toyota 4Runner$174$202$402$914
2004 Toyota 4Runner$168$182$398$884
2003 Toyota 4Runner$166$178$390$870
2002 Toyota 4Runner$162$168$384$850
2001 Toyota 4Runner$148$160$380$824
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Older or used Toyota 4Runner models cost less to insure because those vehicles are cheaper to replace and repair. New vehicles often have more advanced technology and other luxuries that can be expensive to fix if a claim needs to be filed.

However, newer Toyota 4Runners might have more safety features and anti-theft technology that could help you qualify for discounts. Every company offers different discounts, and not all of your opportunities for savings are advertised online or in commercials.

The Toyota 4Runner trim level you chose can also change what you pay for auto insurance. See what we mean in the table below.

Toyota 4Runner Average Annual and Monthly Auto Insurance Rates by Trim Level

Toyota 4Runner Model and Trim LevelAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance Rates
Toyota 4Runner Sport 2WD$1,212$101
Toyota 4Runner SR/5 2WD$1,258$105
Toyota 4Runner Sport 4WD$1,300$108
Toyota 4Runner SR/5 4WD$1,300$108
Toyota 4Runner Trail Edition 4WD$1,376$115
Toyota 4Runner Limited 2WD$1,422$119
Toyota 4Runner Limited 4WD$1,422$119
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As you can see, your Toyota 4Runner trim level can have a substantial impact on your overall rates. For example, the base model Toyota 4Runner costs less to insure than the average of all Toyota 4Runners combined.

There are dozens of variables that affect your auto insurance premiums. Therefore, we always recommend comparing quotes from multiple companies and asking each provider about what discounts you’re eligible for.

How do the safety ratings affect Toyota 4Runner insurance costs?

When auto insurance companies calculate the cost of insurance for any car, one of the most significant things they look at is the safety features of the car and the probabilities of damage or injury.

The Insurance Institute for Highway Safety (IIHS) performs safety tests every year, and awards vehicles with either a good, acceptable, marginal, or poor rating.

What is the Insurance Institute for Highway Safety? The IIHS is a non-profit organization funded by auto insurance providers dedicated to reducing the number of injuries, fatalities, and property damage resulting from vehicle collisions. The organization’s safety ratings are trusted nationally.

See all of the 2020 Toyota 4Runner safety ratings in the table below.

2020 Toyota 4Runner Safety Ratings

Safety Test TypeRating
Small overlap front: driver-sideModerate
Moderate overlap frontGood
Roof strengthGood
Head restraints and seatsGood
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The scores above apply to all Toyota 4Runner models from 2014 to 2020. Overall, the 4Runner fared well during the safety tests, with the exception of the small overlap front driver side. The imperfect scores might cause your insurance rates to be a little higher than average.

Frontal offset tests are performed with a crash measured at 40 miles per hour. This test provides an assessment of the vehicle’s structural design.

During the crash test, the restraints controlled the crash-test dummy’s movement, however, the driver’s survival space was not well-maintained. While the frontal and side curtain airbags worked efficiently, the Toyota 4Runner steering column moved too far to the right.

See a video of the 2014 Toyota 4Runner frontal crash test below.

Seat and head restraints were also both evaluated, and earlier models of the Toyota 4Runner were rated Poor overall. The 2014 and newer models were purposefully redesigned to improve the seat and head restraints. These newer models received an improved score of Good.

Roof strength ratings assess the vehicle’s roof strength for protection in rollover crashes. The 2014 Toyota 4Runner and newer received a rating of Good, as compared to earlier models which only received a rating of Acceptable.

Side-impact tests assess occupant protection when cars are hit in the side by SUVs or pickups. The Toyota 4Runner has done well for several years in a row in terms of side-impact testing. Protection from injury is measured based on how well the head and neck, torso, pelvis, and leg areas are protected.

If you drive a Toyota 4Runner that is older than the 2014 model, we recommend looking at the safety ratings for your specific model year for the most accuracy.

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How does the crash test ratings affect Toyota 4Runner insurance costs?

Similar to safety ratings, insurance providers will also look into the Toyota 4Runner crash test ratings from the National Highway Traffic Safety Administration (NHTSA).

Who is the National Highway Traffic Safety Administration? The NHTSA is part of the United States Department of Transportation and aims to reduce the number of vehicle accidents across the nation. The organization helps maintain the safety standards for most modern vehicles.

The 2020 Toyota 4Runner received a 4 out of 5-star overall crash test rating. See how other 4Runner model years performed in the table below.

Toyota 4Runner Crash Test Ratings by Trim Level and Model Year

Toyota 4Runner Model Years TestedOverall Crash Test RatingsFrontal Crash Test RatingsSide Crash Test RatingsRollover Crash Test Ratings
2019 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2019 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2018 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2017 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV AWD4 stars4 stars5 stars3 stars
2016 Toyota 4Runner SUV 2WD4 stars4 stars5 stars3 stars
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As you can see, the 4Runner has received the same sub-par crash test results since 2016. Unfortunately, the 4Runner is prone to rolling over, a common problem for many SUVs on the market today.
Newer models come with pedestrian detection (PD) included.

These results, unfortunately, mean slightly higher Toyota 4Runner auto insurance costs than average for  owners.

How does the safety features affect Toyota 4Runner insurance costs?

Most cars, especially newer models, have safety features that can lead to auto insurance discounts. Fortunately, the Toyota 4Runner has a plethora of additional equipment and some optional equipment that can help you save money on auto insurance.

Additional Toyota 4Runner safety features include:

  • Side airbags
  • Rollover sensor
  • Driver and front passenger knee airbags
  • Electronic stability control
  • Antilock brakes
  • Daytime running lights

Be sure to inform your provider about any safety features installed in your vehicle. Opting for anti-theft devices can also help you qualify for more auto insurance discounts.

How does loss probability affect Toyota 4Runner insurance costs?

When purchasing a new car, many consumers forget to consider insurance loss probability details. However, insurance loss ratios can help you predict if the car make and model you’re interested in will lead to auto insurance savings, or possibly an increase in your overall rates.

In the table below, check out the most recent Toyota 4Runner insurance loss probability details.

Toyota 4Runner Insurance Loss Probability Details

Insurance Coverage CategoryLoss Rate
Property damage-4%
Personal injury-23%
Medical payment-30%
Bodily injury-16%
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Overall, the loss ratios for the Toyota 4Runner look promising. You want to see very low percentages, as those lead to better auto insurance premiums. Higher percentages, on the other hand, are substantially worse than average. That means increased auto insurance rates in those categories.

These better-than-average Toyota 4Runner insurance loss ratios help keep your insurance rates middle to average, even in spite of the imperfect crash test results.

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How does where I live affect Toyota 4Runner insurance costs?

Your ZIP code is another major factor that will influence what you’ll pay for auto insurance for your Toyota 4Runner. Logically, this makes sense. For one thing, auto insurance laws vary by state.

Depending on where you live, you might be required to purchase more or less insurance to legally drive on the roads.

Similarly, densely populated regions with higher vehicle theft rates or fatal car accidents usually also have higher average auto insurance costs. Rural areas with low crime rates and fewer fatal car accidents will have much lower insurance costs.

In the table below, find your state to see what the average Toyota 4Runner driver pays annually for auto insurance.

Toyota 4Runner Average Annual Auto Insurance Rates by State

StatesAverage Annual Auto Insurance Rates
North Dakota$1,094
South Dakota$1,124
New Mexico$1,178
South Carolina$1,208
West Virginia$1,222
New York$1,404
New Jersey$1,490
Rhode Island$1,778
North Carolina$766
New Hampshire$962
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As you can see, Toyota 4Runner insurance costs much less than the $1,332 annual average in states like Maine and North Carolina. However, Florida and Michigan drivers should expect to pay quite a bit more.

Because of the many variables that go into determining your auto insurance rates, we recommend comparison shopping. By comparing quotes from multiple providers, you’ll know with certainty that you’re receiving your most affordable rates without compromising your coverage needs.

How does my age affect Toyota 4Runner insurance costs?

Your age can greatly impact Toyota 4Runner insurance costs. This is because insurance providers equate driver age with experience. Therefore, older drivers are perceived to be safer, more reliable drivers by insurance companies.

However, this, unfortunately, means that drivers under the age of 25 receive much higher than average quotes when seeking out insurance policies.

If you’re a younger driver who owns a Toyota 4Runner and are enrolled in college or university, ask your provider about a good student discount to help mitigate your higher rates.

Always practice safe driving and keep your driving record clean. You’ll eventually be able to qualify for safe driver discounts. You might even consider taking an optional driver’s education class for yet another cost-cutting opportunity.

How does my driving record affect Toyota 4Runner insurance costs?

How is your driving record? Folks with clean driving histories always receive the lowest auto insurance rates. Oppositely, drivers with poor driving records will be deemed as high-risk drivers. This means you’ll pay much higher than average rates.

In fact, if you commit too many driving violations or file too many claims, some major providers might refuse to insure you altogether.

If you only have one or two minor violations on your record, consider asking your provider about an accident forgiveness program. Some companies will dismiss one or two tickets or incidents, providing you with a discounted insurance rate.

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What auto insurance coverage is required if my Toyota 4Runner is financed?

If you finance or lease a Toyota 4Runner, the dealership might require you to purchase a full coverage policy until the end of your loan or lease term.

A full coverage policy will include the legal minimum auto insurance requirements for your state, as well as additional comprehensive and collision coverage. You might also need to purchase guaranteed asset protection or GAP coverage.

Comprehensive coverage protects your vehicle against damage when your car is not in motion. This includes weather damage, animal damage, flood or fire damage, vandalism, and vehicle theft.

Collision coverage protects your vehicle against damage when your car is in motion. This includes being hit by another driver or colliding with an object like a telephone pole, fence, or tree.

Both coverages have deductibles associated with them. A deductible is an amount you’ll pay out of pocket before your provider steps in to cover the rest. If you need to lower your monthly auto insurance rates, consider increasing your deductibles.

GAP insurance helps out in the event that you total your Toyota 4Runner but you owe more on your loan than the actual cash value of your SUV. Rather than paying for the remainder of your loan out of pocket, your GAP insurance will cover that amount.

The dealership might try to sell you an insurance policy or will give you the option to purchase GAP coverage through your loan. However, the rates will be much higher if you choose to purchase auto insurance this way. You’ll have an easier time finding a cheaper rate for the same coverage by going through an actual insurance provider.

How can I save on Toyota 4Runner insurance cost?

Now that you’ve seen average rates drivers pay to insure the Toyota 4Runner, let’s review the various ways you can save money on your annual premiums.

First, make sure you comparison shop before choosing a provider. Each company will offer you slightly different rates and slightly different levels of coverage. Choose a provider who can fulfill all of your needs without compromising your budget.

You can use a free online quote comparison tool to quickly and easily compare rates for your Toyota 4Runner from multiple reputable providers near you.

Next, always ask about auto insurance discounts. Auto insurance discounts usually stack, which means the savings will add up.

If you have more than one vehicle, consider putting all cars under the same policy. You can receive substantial savings through multi-car discounts.

Finally, if you’re a homeowner, consider bundling all of your insurance policies under the same provider.

What are the best Toyota 4Runner auto insurance companies?

Best is a relative term, even when talking about auto insurance. A cheap policy is not the only goal. You also want to be confident that the provider you choose is in good financial standing. In the event that you do file any claims, this will help guarantee that your provider can pay it out even in the event of an economic downturn.

Take a look at the list of auto insurance companies below organized by market share. Each of these companies will sell policies for the Toyota 4Runner and have proven to be economically stable.

Top 10 Toyota 4Runner Auto Insurance Companies by Market Share

RankCompaniesVolumeMarket Share
1State Farm$65,615,1909.30%
4Liberty Mutual$35,600,0515.10%
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While companies like Allstate, State Farm, and GEICO certainly dominate the market share, there are many other auto insurance companies that offer very affordable auto insurance rates for the Toyota 4Runner.

If personalized customer service is important to you, consider looking for a local provider in your town. While your rates might be higher, your service is likely to be much more personal.

You are now an expert on securing affordable auto insurance for a Toyota 4Runner. Since every driver has a unique risk profile and auto insurance companies measure risk in different ways it’s impossible to say who the best auto insurance company is for any particular driver.

Therefore, you should always compare rates from multiple companies before choosing a provider. Not only will this guarantee that you’re receiving your most affordable rates, but you’ll also be able to choose a provider that is more compatible with all of your needs.

Most consumers start their Toyota 4runner auto insurance comparison search online. Since the Toyota 4Runner is a highly rated vehicle, it’s fairly easy to find affordable premiums. Before you buy Toyota 4Runner auto insurance shop around to compare quotes.

Don’t wait. Enter your ZIP code into our FREE quote tool below to immediately receive rates for your Toyota 4Runner from reputable insurance providers near you. We can help you find an affordable Toyota 4Runner auto insurance company.