2018 Toyota 4Runner Car Insurance Calculator

Understand how changes to different risk factors impact the insurance cost for a 2018 Toyota 4Runner. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately if rates increase or decrease and why.

The average estimated car insurance premium for a 2018 Toyota 4Runner is $1,704 per year, or about $142 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

$1,704

Cost Per Month

$142

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 2018 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.

$1,704
Average Rate
Your Rate
$1,704

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 2018 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 2018 Toyota 4Runner is $1,704.

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.

2018 Toyota 4Runner vs. the Midsize SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Toyota 4Runner Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volkswagen Atlas$1,572-$132
2Subaru Outback$1,660-$44
3Ford Edge$1,670-$34
4Chevrolet Traverse$1,694-$10
5Toyota 4Runner$1,704--
6Honda Pilot$1,732$28
7Nissan Murano$1,752$48
8Ford Explorer$1,786$82
9Mazda CX-9$1,792$88
10Ford Flex$1,834$130
2018 Midsize SUV Average$1,837$133
11Kia Sorento$1,862$158
12Dodge Journey$1,868$164
13GMC Acadia$1,876$172
14Toyota Highlander$1,924$220
15Dodge Durango$1,936$232
16Jeep Cherokee$1,946$242
17Jeep Grand Cherokee$1,950$246
18Buick Enclave$1,964$260
19Nissan Pathfinder$1,980$276
20Jeep Wrangler$2,016$312
21Hyundai Santa Fe$2,050$346

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.

2018 4Runner Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Toyota 4Runner Insurance Rates by Trim Level
2018 Toyota 4Runner Trim Level Annual Premium Cost Per Month
SR/5 2WD$1,636$136
SR/5 4WD$1,690$141
SR/5 Premium 2WD$1,690$141
SR/5 Premium 4WD$1,690$141
TRD Off-Road 4WD$1,690$141
TRD Off-Road Premium 4WD$1,690$141
Limited 2WD$1,746$146
Limited 4WD$1,746$146
TRD Pro 4WD$1,746$146

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 2018 Toyota 4Runner for different driver ages.

2018 Toyota 4Runner Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,203$517
17$5,986$499
18$5,316$443
19$4,851$404
20$3,697$308
21$3,526$294
22$3,143$262
23$2,589$216
24$2,442$204
25$1,976$165
30$1,810$151
35$1,750$146
40$1,704$142
45$1,596$133
50$1,516$126
55$1,414$118
60$1,418$118
65$1,514$126
70$1,644$137
75$1,952$163
80$2,414$201

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.