Toyota 4Runner Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Toyota 4Runner drivers generally pay about $145 monthly for car insurance. Our in-depth guide will help you find out how much auto insurance companies might charge you to insure your Toyota 4Runner.

Quick Facts

  • It costs less to insure a Toyota 4Runner than the average SUV.

  • Full coverage car insurance for a 4Runner tends to be around $141 per month, on average, while liability only insurance normally comes in at about $73 a month.

  • The lowest insurance company for a 4Runner is NationalGeneral.

4Runner Overview

The Toyota 4Runner is a great budget-friendly car for drivers of all types, with a base price of just $36,340 for new 2021 models. You'll have your choice of seven different trim levels, so every driver can find an option to match their style.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've determined that average Toyota 4Runner insurance premiums run around $145 per month. But how does that stack up to other similar SUVs out there on the market?

Current Base Price$36,340
Body Style(s)SUV
Trim LevelsSR5/SR5 PREMIUM/VENTURE/LIMITED/NIGHT SHADE/TRDOR/TRDORPREM/TRDPRO, NIGHT SHADE/LIMITED, SR5 PREMIUM/VENTURE/TRDOR/TRDORPREM/TRDPRO, SR5/TRAIL/SR5 PREMIUM/LIMITED/NIGHT SHADE, TRAIL/SR5/SR5 PREMIUM/LIMITED/NIGHT SHADE, VENTURE/TRD PRO/TRD OFF ROAD/SR5 PREMIUM, SR5/SR5 PREMIUM/VENTURE/TRAIL/LIMITED NIGHT SHADE/TRDOR/TRDORPREM/TRDPRO
Average Insurance Premium$145/mo.
Cheapest Insurance CompanyNationalGeneral

How Much is Car Insurance for a Toyota 4Runner?

Vehicle Liability Only Full Coverage
Toyota 4Runner$73$141
All Toyota Models$79$162
All SUVs$81$152
Average Insurance Premium$81$169

If you look at the table above, you'll see that car insurance rates for a Toyota 4Runner are below average. On average, 4Runner owners will pay about $73 a month for liability insurance, and around $141 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other Toyota models, the 4Runner is cheaper, with prices more than 10% lower than the rest of the automaker's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for a 4Runner is also more affordable, with full coverage insurance rates coming in about 7% less and 10% less for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the 4Runner follows a similar pattern of having below average insurance premiums.

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Who has the Cheapest Car Insurance for a Toyota 4Runner?

Insurance Company Average Monthly Premium
American Family$21
AnswerFinancial$37
Amica$37
MotionAuto$40
MetLife$45

If you're in the market for a car insurance policy for a Toyota 4Runner, you most likely want to know which carrier offers the lowest premiums. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $21 a month from American Family. The runner up for most affordable rates is AnswerFinancial, with car insurance policies starting as cheap as $37 a month.

Amica, MotionAuto, and MetLife round out the end of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take lots of different factors into consideration when calculating monthly rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from numerous auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Toyota 4Runner?

There are multiple pieces that insurance companies consider to choose how much they charge for a policy -- and each carrier uses a different formula, so there's not just one company that's the cheapest for every 4Runner driver.

The following sections show a lot of variables car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$80
2-3 Years$74
4-5 Years$72
6-7 Years$68
8-10 Years$72
11-14 Years$71
15 Years or Older$74

The Toyota 4Runner has been around for a while, so vehicle age may make a big difference in what you end up paying for auto insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and 4Runners begin to depreciate, insurance costs will gradually get lower.

According to the table above, the Toyota 4Runner follows this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are 4Runners that are 1 year old or less, on average.

Your Age

Age Average Monthly Premium
Under 18$258
18-24$115
25-34$67
35-44$63
45-54$61
55-64$56
65 or Older$62

Your age is another factor that makes a difference in how much car insurance companies will charge for auto insurance. In the table above, you'll see that young 4Runner drivers pay more compared to drivers who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for 4Runner drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$76
Female$69

You may not know, but insurance is usually more expensive for men than for women. This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. The Toyota 4Runner is no different, and men pay around $76 per month for auto insurance, while women pay about $69.

Where You Live

State Average Monthly Premium
California$58
Florida$117
Georgia$100
Illinois$39
New York$160
North Carolina$53
Ohio$56
Pennsylvania$67
Texas$62
Virginia$52

You may already know that things such as how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live can be equally important? Since insurance is regulated on the state level and not nationally, rates fluctuate quite a bit from state to state.

For example, the average Toyota 4Runner owner in New York pays around $160 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Toyota 4Runner Car Insurance Discounts

No matter which vehicle you drive, where you live, or how old you are, it's always a good idea to take advantage of as many auto insurance discounts as possible.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

  • Multi-car discounts for having more than one vehicle on your auto policy
  • Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

There are countless ways to save money on your insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you may not have control of every variable auto insurance carriers take a look at to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$93
Multiple Accidents$126
1 Ticket$89
Multiple Tickets$123

You've no doubt noticed ads from insurance companies posting big savings for good drivers. And you're probably not surprised to hear that if you get a ticket for speeding or get into an accident, car insurance prices will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

According to the table above, accidents will usually cost 4Runner drivers more than tickets, but both will result in higher than average rates. Toyota 4Runner drivers with a single ticket will pay an average of $89 a month, while drivers with one accident on their record pay about $93 each month (up $20 from the $73/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$62
2,501-5,000 Miles$66
5,001-7,500 Miles$68
7,501-10,000 Miles$75
10,000+ Miles$77

The total amount of miles you drive each year plays a big role in your insurance premiums. Those who drive less often are less likely to get speeding tickets, so they'll typically be offered more affordable prices. Based on the table above, you can see that Toyota 4Runner owners who drive fewer than 2,500 miles a year pay about $62 per month for car insurance, while those who put 10,000 miles or more on their cars pay $77.

If you're one of those drivers who don't put very many miles on your Toyota 4Runner each year, it may be worth considering usage-based or pay-per-mile auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Toyota 4Runners Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Toyota 4Runner is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Toyota 4Runner compares:

Toyota 4Runner National Average
Liability Insurance$71$81
Full Coverage Insurance$175$169
Base MSRP$36,340$46,179
Average Annual Mileage11,01611,660

As you can see, the Toyota 4Runner is right on par with the average vehicle price here in the U.S. The average vehicle MSRP in the U.S. is $46,179, and the 4Runner comes in close to that at $36,340.

Although the 4Runner has a pretty average price, car insurance premiums run slightly below average when compared to other vehicles on the market. Liability insurance for a Toyota 4Runner is about $10 per month less than average, while full coverage is $6 more monthly.

When it comes to usage, Toyota 4Runner owners drive about the same amount annually as the national average, with 11,660 miles every year for all vehicles compared to the 4Runner's 11,016 per year.

Toyota 4Runner Car Insurance Costs by Model Year

You've seen how different variables can have an impact on how much the average driver pays to insure a Toyota 4Runner. If you're thinking about buying a new vehicle and the 4Runner is one you're considering, knowing what you can expect to pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

So we've broken down Toyota 4Runner insurance rates by model year. Simply choose a specific 4Runner model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, like who offers the most affordable policies, the base MSRP, and which trim levels are offered for each 4Runner model year.

2021 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$175
Base MSRP$36,340
Cheapest Insurance CompanyHugo - $41/mo.
Available TrimsNIGHT SHADE/LIMITED, SR5 PREMIUM/VENTURE/TRDOR/TRDORPREM/TRDPRO, SR5/SR5 PREMIUM/VENTURE/LIMITED/NIGHT SHADE/TRDOR/TRDORPREM/TRDPRO, SR5/SR5 PREMIUM/VENTURE/TRAIL/LIMITED NIGHT SHADE/TRDOR/TRDORPREM/TRDPRO, SR5/TRAIL/SR5 PREMIUM/LIMITED/NIGHT SHADE, TRAIL/SR5/SR5 PREMIUM/LIMITED/NIGHT SHADE, VENTURE/TRD PRO/TRD OFF ROAD/SR5 PREMIUM

If you're in the market for a brand new Toyota 4Runner, there are plenty of options to choose from. A base model 4Runner will put you back $36,340 (plus taxes and other fees), but with seven different trim levels to pick from, the price can go up from there.

On average, it costs around $71 a month to insure a 2021 Toyota 4Runner for liability only and $175 monthly for full coverage. And if you want the lowest insurance possible, Hugo offers liability only policies for sometimes as little as $41 per month.

Although it's helpful to know how much the average driver pays for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. With Compare.com, you can gather multiple quotes at once, all for free. Just enter your ZIP code below to get started.

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2020 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$175
Base MSRP$36,120
Cheapest Insurance CompanyMercury - $26/mo.
Available TrimsSR5/SR5 PREMIUM/LIMITED/NIGHT SHADE, SR5/SR5 PREMIUM/VENTURE/LIMITED/NIGHT SHADE/TRDOR/TRDORPREM/TRDPRO

If you're in the market for a 2020 4Runner or already own one, you're most likely looking at an average auto insurance premium of about $88 for liability or $175 for full coverage.

And if you're just looking for the most affordable insurance for your 4Runner, Mercury offers liability only policies for sometimes as low as $26 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$167
Base MSRP$34,910
Cheapest Insurance CompanyShelter Mutual - $23/mo.
Available TrimsSR5/LIMITED/LIMITED NIGHT SHADE, SR5/LIMITED/LIMITED NIGHT SHADE/TRD OFF ROAD/TRD PRO

2019 Toyota 4Runner drivers can expect to pay an average of $94 per month for liability or $167 for full coverage.

Shelter Mutual has premiums as low as just $23 a month for the 2019 Toyota 4Runner.

Want to find the best rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2018 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$157
Base MSRP$34,410
Cheapest Insurance CompanyLiberty Mutual - $27/mo.
Available TrimsSR5/LIMITED/SR5 PREMIUM, SR5/SR5 PREMIUM/LIMITED/TRD OFFROAD/TRD OFFROAD PRM/TRD PRO

You can expect full coverage for a 2018 4Runner to run around $157 per month, while liability only coverage will average about $71 monthly.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as little as $27 a month.

If you want to know exactly how much you can expect to pay for your 4Runner, get free quotes in minutes by just entering your ZIP code below.

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2017 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$93
Full Coverage Avg. Premium$173
Base MSRP$34,210
Cheapest Insurance CompanyMercury - $20/mo.
Available TrimsSR5/LIMITED/SR5 PREMIUM, SR5/SR5 PREMIUM/LIMITED/TRD OFFROAD/TRD OFFROAD PRM/TRD PRO

It costs around $93 monthly for liability or $173 for a full coverage policy for the 2017 Toyota 4Runner.

With prices as low as $20 per month, Mercury offered the most affordable policy we found for the 2017 Toyota 4Runner.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$146
Base MSRP$33,510
Cheapest Insurance CompanyMercury - $24/mo.
Available TrimsSR5/LIMITED/SR5 PREMIUM, SR5/SR5 PREMIUM/SR5 LIMITED/TRAIL/TRAIL PREMIUM/TRD PRO

The average cost to insure a 2016 4Runner with liability only coverage is $75 a month, while full coverage runs about $146 monthly.

Mercury offered the cheapest policy we found, with rates as little as just $24 per month.

Want to know just how much you'll pay? Just enter your ZIP code below to get several customized quotes for free.

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2015 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$145
Base MSRP$33,010
Cheapest Insurance CompanyMetLife - $23/mo.
Available TrimsSR5/LIMITED, SR5/LIMITED/TRAIL/TRD PRO

On average, drivers who own a 2015 Toyota 4Runner can expect to pay $70 to $145 a month for liability only and full coverage car insurance, respectively.

With rates sometimes as cheap as $23 monthly, MetLife offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your 4Runner, just enter your ZIP code below and get several free quotes in minutes.

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2014 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$137
Base MSRP$32,820
Cheapest Insurance CompanyElephant - $22/mo.
Available TrimsSR5/LIMITED, SR5/LIMITED/TRAIL

The average cost to insure a 2014 4Runner with liability only coverage is $72 per month, while full coverage runs around $137 a month.

If you're looking for the most affordable 2014 Toyota 4Runner insurance policy, Elephant offered the cheapest policy we found, with rates as cheap as just $22 per month.

If you want to find the best prices for auto insurance for a 2014 Toyota 4Runner, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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2013 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$155
Base MSRP$31,490
Cheapest Insurance CompanyPlymouthRockNJ - $23/mo.
Available TrimsSR5/LIMITED, SR5/LIMITED/TRAIL

It costs about $73 a month for liability or $155 for a full coverage policy for the 2013 Toyota 4Runner.

We found PlymouthRockNJ offered the most affordable policy, with rates as low as just $23 monthly.

Want to find the lowest rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing several personalized quotes from the nation's top insurance carriers.

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2012 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$122
Base MSRP$32,830
Cheapest Insurance CompanyLiberty Mutual - $24/mo.
Available TrimsSR5/LIMITED, SR5/LIMITED/TRAIL

You can expect full coverage for a 2012 4Runner to run around $122 a month, while liability only coverage will average about $66 per month.

With premiums sometimes as low as $24 monthly, Liberty Mutual offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2012 Toyota 4Runner, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2011 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$64
Full Coverage Avg. Premium$129
Base MSRP$30,305
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsSR5/LIMITED, SR5/LIMITED/TRAIL

2011 Toyota 4Runner drivers can expect to pay an average of $64 a month for liability or $129 for full coverage.

We found MetLife offered the cheapest policy, with rates sometimes as cheap as $18 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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2010 Toyota 4Runner Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$129
Base MSRP$27,500
Cheapest Insurance CompanyMapfre - $20/mo.
Available TrimsSR5, SR5/LIMITED/TRAIL, SR5/SPORT

On average, drivers who own a 2010 4Runner can expect to pay $68 to $129 monthly for liability only and full coverage insurance, respectively.

Mapfre has prices as little as $20 a month for the 2010 Toyota 4Runner.

These average premiums are a great starting point if you're in the market for a 2010 Toyota 4Runner, but there are a bunch of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Toyota 4Runner Insurance FAQs

Is a Toyota 4Runner expensive to insure?

The Toyota 4Runner is relatively cheap to insure compared to the average SUV. Liability insurance runs an average of $73 monthly, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Toyota 4Runner?

The only way to make sure you're getting the lowest price on car insurance is to check prices regularly and compare quotes from quite a few companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota 4Runner affect my insurance prices?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's just a myth. Even though there are multiple things auto insurance companies think about when they calculate how much you'll pay, the color of your 4Runner is not factored into that decision.

Do I need to have insurance before I buy a Toyota 4Runner?

You'll need to have valid insurance for your vehicle before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Toyota 4Runner?

There are many discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Toyota 4Runner you drive, but if your 4Runner has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about which discounts they offer.

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