Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

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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.

2021 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1832
American Family$1636
Country Financial$2055
Erie$1158
GEICO$1317
Liberty Mutual$1519
Mercury$1788
MetLife$2168
Nationwide$1357
Progressive$1300
State Farm$1265
Tennessee Farmers$1710
Travelers$1932
USAA$1124

Compare all 2021 Toyota 4Runner rates

Average Cost to Insure Per Year

$1710

List Price

$36590

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1814
American Family$1615
Country Financial$2032
Erie$1055
GEICO$1276
Liberty Mutual$1509
Mercury$1765
Nationwide$1304
Progressive$1165
State Farm$1122
Tennessee Farmers$1693
Travelers$1876
USAA$1033

Compare all 2020 Toyota 4Runner rates

Average Cost to Insure Per Year

$1629

List Price

$36120

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1800
American Family$1589
Country Financial$1954
Erie$1033
GEICO$1187
Liberty Mutual$1476
Mercury$1732
Nationwide$1265
Progressive$1154
State Farm$1076
Tennessee Farmers$1693
Travelers$1814
USAA$989

Compare all 2019 Toyota 4Runner rates

Average Cost to Insure Per Year

$1588

List Price

$35100

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1103
Acuity$ 1103
Allied$ 1011
Allied$ 1011
American Family$ 1265
American Family$ 1265
Arbella$ 1157
Arbella$ 1157
Country$ 1177
Country$ 1177
Erie$ 933
Erie$ 933
Mercury$ 1278
Mercury$ 1278
Nationwide$ 1173
Nationwide$ 1173
Plymouth Rock Insurance$ 1063
Plymouth Rock Insurance$ 1063
Tennessee Farmers$ 961
Tennessee Farmers$ 961
USAA$ 1075
USAA$ 1075
Vermont Mutual$ 994
Vermont Mutual$ 994

Compare all 2018 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 1523

List Price

$ 34810

Trims Available

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

2017 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1094
Acuity$ 1094
Allied$ 996
Allied$ 996
Erie$ 704
Erie$ 704
GEICO$ 595
GEICO$ 595
Nationwide$ 946
Nationwide$ 946
Plymouth Rock Insurance$ 1043
Plymouth Rock Insurance$ 1043
Progressive$ 847
Progressive$ 847
State Farm$ 889
State Farm$ 889
Tennessee Farmers$ 951
Tennessee Farmers$ 951
Texas Farm Bureau$ 830
Texas Farm Bureau$ 830
USAA$ 885
USAA$ 885
Vermont Mutual$ 975
Vermont Mutual$ 975

Compare all 2017 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 1036

List Price

$ 34210

Trims Available

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

2016 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1037
Acuity$ 1037
Allied$ 1002
Allied$ 1002
Erie$ 688
Erie$ 688
GEICO$ 549
GEICO$ 549
Nationwide$ 929
Nationwide$ 929
Plymouth Rock Insurance$ 1018
Plymouth Rock Insurance$ 1018
Progressive$ 819
Progressive$ 819
State Farm$ 881
State Farm$ 881
Tennessee Farmers$ 894
Tennessee Farmers$ 894
Texas Farm Bureau$ 789
Texas Farm Bureau$ 789
USAA$ 841
USAA$ 841
Vermont Mutual$ 890
Vermont Mutual$ 890

Compare all 2016 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 983

List Price

$ 34010

Trims Available

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

2015 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1024
Acuity$ 1024
Allied$ 999
Allied$ 999
Erie$ 683
Erie$ 683
GEICO$ 548
GEICO$ 548
Nationwide$ 947
Nationwide$ 947
Plymouth Rock Insurance$ 1007
Plymouth Rock Insurance$ 1007
Progressive$ 825
Progressive$ 825
State Farm$ 826
State Farm$ 826
Tennessee Farmers$ 902
Tennessee Farmers$ 902
Texas Farm Bureau$ 793
Texas Farm Bureau$ 793
USAA$ 805
USAA$ 805
Vermont Mutual$ 881
Vermont Mutual$ 881

Compare all 2015 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 966

List Price

$ 33210

Trims Available

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

2014 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 970
Acuity$ 970
Country$ 1027
Country$ 1027
Erie$ 687
Erie$ 687
GEICO$ 535
GEICO$ 535
Nationwide$ 996
Nationwide$ 996
Plymouth Rock Insurance$ 983
Plymouth Rock Insurance$ 983
Progressive$ 843
Progressive$ 843
State Farm$ 903
State Farm$ 903
Tennessee Farmers$ 873
Tennessee Farmers$ 873
Texas Farm Bureau$ 754
Texas Farm Bureau$ 754
USAA$ 799
USAA$ 799
Vermont Mutual$ 818
Vermont Mutual$ 818

Compare all 2014 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 951

List Price

$ 32820

Trims Available

SR5 - Trail - SR5 Premium - Trail Premium - Limited

2013 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 920
Acuity$ 920
Arbella$ 981
Arbella$ 981
Erie$ 683
Erie$ 683
GEICO$ 538
GEICO$ 538
Nationwide$ 988
Nationwide$ 988
Plymouth Rock Insurance$ 963
Plymouth Rock Insurance$ 963
Progressive$ 857
Progressive$ 857
State Farm$ 920
State Farm$ 920
Tennessee Farmers$ 851
Tennessee Farmers$ 851
Texas Farm Bureau$ 732
Texas Farm Bureau$ 732
USAA$ 813
USAA$ 813
Vermont Mutual$ 780
Vermont Mutual$ 780

Compare all 2013 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 941

List Price

$ 31490

Trims Available

SR5 - Trail - Limited

2012 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 893
Acuity$ 893
Country$ 992
Country$ 992
Erie$ 697
Erie$ 697
GEICO$ 628
GEICO$ 628
Nationwide$ 994
Nationwide$ 994
Plymouth Rock Insurance$ 949
Plymouth Rock Insurance$ 949
Progressive$ 901
Progressive$ 901
State Farm$ 942
State Farm$ 942
Tennessee Farmers$ 846
Tennessee Farmers$ 846
Texas Farm Bureau$ 722
Texas Farm Bureau$ 722
USAA$ 814
USAA$ 814
Vermont Mutual$ 752
Vermont Mutual$ 752

Compare all 2012 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 951

List Price

$ 31090

Trims Available

SR5 - Trail - Limited

2011 Toyota 4Runner

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 997
Allied$ 997
Amica$ 1015
Amica$ 1015
Arbella$ 843
Arbella$ 843
Country$ 942
Country$ 942
Erie$ 728
Erie$ 728
GEICO$ 730
GEICO$ 730
Plymouth Rock Insurance$ 926
Plymouth Rock Insurance$ 926
Quincy Mutual$ 1002
Quincy Mutual$ 1002
Tennessee Farmers$ 818
Tennessee Farmers$ 818
Texas Farm Bureau$ 693
Texas Farm Bureau$ 693
USAA$ 828
USAA$ 828
Vermont Mutual$ 700
Vermont Mutual$ 700

Compare all 2011 Toyota 4Runner rates

Average Cost to Insure Per Year

$ 965

List Price

$ 30305

Trims Available

SR5 - Trail - Limited