2014 Toyota 4Runner Car Insurance Calculator

Get instant feedback how changes to different risk factors affect car insurance rates for a 2014 Toyota 4Runner. Make changes to factors like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2014 Toyota 4Runner is $1,504 per year, or about $125 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,504

Cost Per Month

$125

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota 4Runner Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2014 Toyota 4Runner.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,504
Average Rate
Your Rate
$1,504

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2014 Toyota 4Runner trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2014 Toyota 4Runner is $1,504.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2014 Toyota 4Runner vs. the Midsize SUV Segment

The table below compares insurance rates for the 2014 Toyota 4Runner against all other models in the midsize SUV segment. The Toyota 4Runner is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota 4Runner, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota 4Runner.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 Toyota 4Runner Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,250-$254
2Ford Edge$1,278-$226
3Toyota Venza$1,304-$200
4Toyota FJ Cruiser$1,354-$150
5Nissan Xterra$1,360-$144
6Ford Flex$1,426-$78
7Ford Explorer$1,430-$74
8Kia Sorento$1,452-$52
9Dodge Journey$1,460-$44
10Jeep Cherokee$1,468-$36
11Honda Pilot$1,476-$28
12Nissan Murano$1,486-$18
13Dodge Durango$1,496-$8
2014 Midsize SUV Average$1,498-$6
14Chevrolet Traverse$1,502-$2
15Toyota 4Runner$1,504--
16GMC Acadia$1,516$12
17Hyundai Santa Fe$1,546$42
18Jeep Wrangler$1,558$54
19Toyota Highlander$1,568$64
20Mazda CX-9$1,572$68
21Jeep Grand Cherokee$1,668$164
22Volkswagen Touareg$1,742$238
23Nissan Pathfinder$1,750$246
24Buick Enclave$1,784$280

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2014 4Runner Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 Toyota 4Runner.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2014 Toyota 4Runner Insurance Rates by Trim Level
2014 Toyota 4Runner Trim Level Annual Premium Cost Per Month
SR/5 2WD$1,424$119
SR/5 4WD$1,480$123
SR/5 Premium 2WD$1,480$123
Trail Edition 4WD$1,480$123
SR/5 Premium 4WD$1,522$127
Trail Premium 4WD$1,522$127
Limited 2WD$1,564$130
Limited 4WD$1,564$130

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2014 Toyota 4Runner for different driver ages.

2014 Toyota 4Runner Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,499$458
17$5,289$441
18$4,666$389
19$4,272$356
20$3,252$271
21$3,098$258
22$2,763$230
23$2,287$191
24$2,150$179
25$1,742$145
30$1,594$133
35$1,546$129
40$1,504$125
45$1,412$118
50$1,342$112
55$1,256$105
60$1,258$105
65$1,340$112
70$1,458$122
75$1,740$145
80$2,150$179

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota 4Runner trim levels.