Toyota 4Runner Car Insurance Cost
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UPDATED: Jun 22, 2022
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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
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Average auto insurance premium: $142/month
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Most affordable companies: State Farm ($96/month) & Progressive ($108/month)
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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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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Below average Toyota 4Runner insurer costs by state:
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New Mexico car insurance – $1,413 per year
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West Virginia car insurance – $1,556 per year
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Colorado car insurance – $1,714 per year
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Georgia – $1,719 per year
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Arizona – $1,751 per year
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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2021 Toyota 4Runner
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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