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Toyota 4Runner Car Insurance Cost

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Looking for a new or used Toyota 4Runner? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota 4Runner facts

  • Average auto insurance premium: $142/month

  • Most affordable companies: State Farm ($96/month) & Progressive ($108/month)

  • 4Runner insurance cost vs. average rate: $98 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota 4Runner by model year and auto insurer.

Below average Toyota 4Runner insurer costs by state:

How much does it cost to insure my Toyota 4Runner?

Select the year of your car

2021 Toyota 4Runner

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Average Cost to Insure Per Year

$1,710

List Price

$36,590

Trims Available

SR5 - SR5 Premium - TRD Off-Road - TRD Off-Road Premium - TRD Pro - TRD Pro - Limited - Venture Special Edition - Nightshade Special Edition - 2dr 4x2 - 4dr 4x4 - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota 4Runner

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Average Cost to Insure Per Year

$1,629

List Price

$36,120

Trims Available

SR5 - SR5 Premium - TRD Off-Road - TRD Off-Road Premium - TRD Pro - TRD Pro - Limited - Venture Special Edition - Nightshade Special Edition - 2dr 4x2 - 4dr 4x4 - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2019 Toyota 4Runner

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Average Cost to Insure Per Year

$1,588

List Price

$35,100

Trims Available

SR5 - SR5 Premium - TRD Off-Road - TRD Off-Road Premium - TRD Pro - TRD Pro - Limited - Venture Special Edition - Nightshade Special Edition - 2dr 4x2 - 4dr 4x4

2018 Toyota 4Runner

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Average Cost to Insure Per Year

$1,523

List Price

$34,810

Trims Available

SR5 - SR5 Premium - TRD Off-Road - TRD Off-Road Premium - TRD Pro - Limited

2017 Toyota 4Runner

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Average Cost to Insure Per Year

$1,036

List Price

$34,210

Trims Available

SR5 - SR5 Premium - TRD Off-Road - TRD Off-Road Premium - TRD Pro - Limited

2016 Toyota 4Runner

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Average Cost to Insure Per Year

$983

List Price

$34,010

Trims Available

SR5 - SR5 Premium - Trail - Trail Premium - TRD Pro - Limited

2015 Toyota 4Runner

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Average Cost to Insure Per Year

$966

List Price

$33,210

Trims Available

SR5 - SR5 Premium - Trail - Trail Premium - TRD Pro - Limited

2014 Toyota 4Runner

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Average Cost to Insure Per Year

$951

List Price

$32,820

Trims Available

SR5 - Trail - SR5 Premium - Trail Premium - Limited

2013 Toyota 4Runner

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Average Cost to Insure Per Year

$941

List Price

$31,490

Trims Available

SR5 - Trail - Limited

2012 Toyota 4Runner

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Average Cost to Insure Per Year

$951

List Price

$31,090

Trims Available

SR5 - Trail - Limited

2011 Toyota 4Runner

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Average Cost to Insure Per Year

$965

List Price

$30,305

Trims Available

SR5 - Trail - Limited

Risk factors affecting Toyota 4Runner rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & 4Runner Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as "Top Safety Pick+" (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn't necessarily mean lower repair costs in the event of an accident. Still, it does protect the car's occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

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