2020 Toyota 4Runner Car Insurance Calculator

Learn visually how decisions you make impact the cost of car insurance for a 2020 Toyota 4Runner. Experiment with options like your location, homeowner status, and credit score to see how rates are affected. Immediately see if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2020 Toyota 4Runner is $2,050 per year, or about $171 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

$2,050

Cost Per Month

$171

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 2020 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.

$2,050
Average Rate
Your Rate
$2,050

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 2020 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 2020 Toyota 4Runner is $2,050.

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.

2020 Toyota 4Runner vs. the Midsize SUV Segment

The table below compares insurance rates for the 2020 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.

2020 Toyota 4Runner Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,724-$326
2Honda Passport$1,752-$298
3Chevrolet Blazer$1,760-$290
4Kia Telluride$1,776-$274
5Volkswagen Atlas$1,790-$260
6Subaru Ascent$1,802-$248
7Nissan Murano$1,864-$186
8Honda Pilot$1,868-$182
9Buick Enclave$1,938-$112
10Hyundai Palisade$1,946-$104
11Ford Explorer$1,958-$92
12Dodge Journey$1,974-$76
13Subaru Outback$1,988-$62
14GMC Acadia$2,010-$40
15Chevrolet Traverse$2,024-$26
16Kia Sorento$2,034-$16
2020 Midsize SUV Average$2,035-$15
17Toyota 4Runner$2,050--
18Nissan Pathfinder$2,098$48
19Mazda CX-9$2,114$64
20Mitsubishi Outlander Sport$2,116$66
21Toyota Highlander$2,140$90
22Hyundai Santa Fe$2,148$98
23Dodge Durango$2,224$174
24Jeep Grand Cherokee$2,262$212
25Jeep Wrangler$2,298$248
26Jeep Cherokee$2,318$268
27Mitsubishi Outlander PHEV$2,330$280
28Tesla Model Y$2,666$616

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.

2020 4Runner Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Toyota 4Runner Insurance Rates by Trim Level
2020 Toyota 4Runner Trim Level Annual Premium Cost Per Month
SR/5 2WD$1,988$166
SR/5 4WD$1,988$166
SR/5 Premium 2WD$1,988$166
TRD Off-Road 4WD$1,988$166
Limited 2WD$2,050$171
SR/5 Premium 4WD$2,050$171
TRD Off-Road Premium 4WD$2,050$171
Venture 4WD$2,050$171
Limited 4WD$2,112$176
NightShade 4WD$2,112$176
Nightshade 2WD$2,112$176
TRD Pro 4WD$2,112$176

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 2020 Toyota 4Runner for different driver ages.

2020 Toyota 4Runner Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,493$624
17$7,233$603
18$6,427$536
19$5,861$488
20$4,465$372
21$4,257$355
22$3,794$316
23$3,123$260
24$2,942$245
25$2,384$199
30$2,178$182
35$2,108$176
40$2,050$171
45$1,920$160
50$1,820$152
55$1,702$142
60$1,706$142
65$1,822$152
70$1,982$165
75$2,354$196
80$2,916$243

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.