How much is car insurance for a Toyota 4Runner?

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The Toyota 4Runner has always been a popular car, and for good reason. It is well-designed, powerful and useful for a variety of driving situations from family vacations in the snow and off-roading in the mountains, to the weekly commute.

When adding up the costs of a new car, the price of car insurance is an important factor to consider.

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When car 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 Toyota 4Runner has been given a 5 out of 5 star rating for driver protection in full frontal and side crashes from the National Highway Traffic Safety Administration (NHTSA).

In frontal crash tests, they awarded a four star rating for passenger protection, and in side crash tests they awarded a five-star rating for passengers in both the front and rear seats.

The Insurance Institute for Highway Safety (IIHS) performed similar tests, awarding either a good, acceptable, marginal, or poor rating. The tests and grades received are as follows:

Frontal Offset Tests were performed with a crash measured at 40 mph. This test provides a good assessment of the vehicle’s structural design.

In frontal crash test ratings performed by the IIHS, the 4Runner did well as compared to vehicles of similar weight. For measures of protection against injury, potential injury to the chest and right and left legs and feet was graded as Good.

During the crash test, the restraints controlled the dummy’s movement, however its head hit the roof. This allowed the Toyota 4Runner a rating of Good in the restraints category, however in the injury measures the 4Runner received an Acceptable rating in the head and neck injury prevention measures.

Rear Crash Tests were also performed, focusing on how well seat/head restraints protect against whiplash. The 2010 model of the Toyota four Runner experienced a dramatic improvement in their rear crash protection over models from 2003 to 2009.

In tests using a dummy representing an average sized man, the geometry of the car seats is measured and graded based on the distance behind and below the head.

Then, a rear end crash test is performed with a car traveling at 20 mph. Seat and head restraints are both evaluated, and earlier models of the Toyota 4Runner were rated Poor overall.

However, the seat and head restraint and overall ratings jumped two categories to achieve a Good rating for the 2010 and 2011 models.

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Roof strength ratings assess the vehicle’s roof strength for protection in rollover crashes. The Toyota 4Runner received a rating of Average as compared to other midsize SUVs.

Side Impact Tests were done to 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.

Overall head protection and safety cage structure are also considered for both the driver and rear passenger areas. The Toyota 4Runner scored a rating of Good in all of these areas.

Most cars, especially newer models, have safety features that can lead to car insurance discounts. The Toyota 4Runner has the following additional safety features which are an important factor in getting potential discounts on car insurance:

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

There are other variables besides vehicle safety which factor into the cost of insurance for this car, including driving record, commuting distance, geographical location and age of the driver.

According to the “Internet Auto Guide” which provides an estimate of costs to own the Toyota 4Runner for 5 years, the typical cost to insure this car start at $1,024 and go up to approximately $1,124 per year when the car is 5 years old.

Who has the best car insurance for a Toyota 4Runner?

While companies like Allstate, State Farm and Geico certainly dominate market share there are many car insurance companies who offer very affordable auto insurance rates for the Toyota 4Runner.

Since every driver has a unique risk profile and car insurance companies measure risk in different ways its impossible to say who the best car insurance company is for any particular driver.

Most consumers start a car insurance comparison search online and since the Toyota 4Runner is a highly rated vehicle its fairly easy to find affordable premiums.

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Related posts:

  1. How much is car insurance for a Toyota Prius?
  2. How much does car insurance cost for a Toyota Camry?

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