2019 Toyota 4Runner Car Insurance Calculator

Discover how seemingly small changes affect the cost of insurance for a 2019 Toyota 4Runner. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2019 Toyota 4Runner is $1,794 per year, or about $150 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

$1,794

Cost Per Month

$150

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 2019 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.

$1,794
Average Rate
Your Rate
$1,794

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 2019 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 2019 Toyota 4Runner is $1,794.

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.

2019 Toyota 4Runner vs. the Midsize SUV Segment

The table below compares insurance rates for the 2019 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.

2019 Toyota 4Runner Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volkswagen Atlas$1,734-$60
2Subaru Outback$1,770-$24
3Ford Edge$1,780-$14
4Chevrolet Traverse$1,782-$12
5Toyota 4Runner$1,794--
6Honda Pilot$1,826$32
7Subaru Ascent$1,846$52
8Nissan Murano$1,856$62
9Mazda CX-9$1,880$86
10Ford Explorer$1,884$90
11Ford Flex$1,890$96
12Honda Passport$1,912$118
2019 Midsize SUV Average$1,927$133
13Chevrolet Blazer$1,930$136
14Kia Sorento$1,940$146
15Dodge Journey$1,942$148
16GMC Acadia$1,968$174
17Toyota Highlander$2,012$218
18Hyundai Santa Fe$2,016$222
19Dodge Durango$2,028$234
20Buick Enclave$2,040$246
21Nissan Pathfinder$2,064$270
22Jeep Grand Cherokee$2,076$282
23Jeep Cherokee$2,096$302
24Jeep Wrangler$2,188$394

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.

2019 4Runner Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Toyota 4Runner Insurance Rates by Trim Level
2019 Toyota 4Runner Trim Level Annual Premium Cost Per Month
SR/5 2WD$1,710$143
SR/5 4WD$1,768$147
SR/5 Premium 2WD$1,768$147
SR/5 Premium 4WD$1,768$147
TRD Off-Road 4WD$1,768$147
TRD Off-Road Premium 4WD$1,768$147
Limited 2WD$1,828$152
Limited 4WD$1,886$157
TRD Pro 4WD$1,886$157

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 2019 Toyota 4Runner for different driver ages.

2019 Toyota 4Runner Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,525$544
17$6,304$525
18$5,618$468
19$5,117$426
20$3,904$325
21$3,722$310
22$3,323$277
23$2,727$227
24$2,576$215
25$2,082$174
30$1,908$159
35$1,842$154
40$1,794$150
45$1,680$140
50$1,594$133
55$1,490$124
60$1,494$125
65$1,594$133
70$1,730$144
75$2,050$171
80$2,536$211

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.