2021 Toyota 4Runner Car Insurance Calculator

View in real-time how decisions you make impact the cost of car insurance for a 2021 Toyota 4Runner. Set options like liability limits, policy deductibles, and driver age to understand how each affects your rate. Immediately discover why rates change and by how much.

The average estimated car insurance premium for a 2021 Toyota 4Runner is $2,112 per year, or about $176 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

$2,112

Cost Per Month

$176

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 2021 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.

$2,112
Average Rate
Your Rate
$2,112

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 2021 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 2021 Toyota 4Runner is $2,112.

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.

2021 Toyota 4Runner vs. the Midsize SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota 4Runner Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,782-$330
2Honda Passport$1,806-$306
3Chevrolet Blazer$1,816-$296
4Kia Telluride$1,832-$280
5Volkswagen Atlas$1,846-$266
6Subaru Ascent$1,860-$252
7Nissan Murano$1,920-$192
8Honda Pilot$1,928-$184
9Buick Enclave$2,000-$112
10Hyundai Palisade$2,008-$104
11Subaru Outback$2,052-$60
12Ford Explorer$2,058-$54
13GMC Acadia$2,070-$42
14Chevrolet Traverse$2,084-$28
15Kia Sorento$2,094-$18
16Toyota 4Runner$2,112--
2021 Midsize SUV Average$2,115$3
17Nissan Pathfinder$2,160$48
18Mazda CX-9$2,170$58
19Mitsubishi Outlander Sport$2,178$66
20Toyota Venza$2,194$82
21Toyota Highlander$2,202$90
22Hyundai Santa Fe$2,210$98
23Dodge Durango$2,290$178
24Jeep Grand Cherokee$2,350$238
25Ford Bronco$2,366$254
26Jeep Wrangler$2,392$280
27Jeep Cherokee$2,394$282
28Mitsubishi Outlander PHEV$2,402$290
29Tesla Model Y$2,750$638

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.

2021 4Runner Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota 4Runner Insurance Rates by Trim Level
2021 Toyota 4Runner Trim Level Annual Premium Cost Per Month
SR/5 2WD$2,048$171
SR/5 4WD$2,048$171
SR/5 Premium 2WD$2,048$171
TRD Off-Road 4WD$2,048$171
Limited 2WD$2,112$176
SR/5 Premium 4WD$2,112$176
TRD Off-Road Premium 4WD$2,112$176
Venture 4WD$2,112$176
Limited 4WD$2,176$181
NightShade 4WD$2,176$181
Nightshade 2WD$2,176$181
TRD Pro 4WD$2,176$181

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 2021 Toyota 4Runner for different driver ages.

2021 Toyota 4Runner Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,702$642
17$7,440$620
18$6,623$552
19$6,036$503
20$4,601$383
21$4,385$365
22$3,912$326
23$3,214$268
24$3,031$253
25$2,456$205
30$2,246$187
35$2,170$181
40$2,112$176
45$1,976$165
50$1,874$156
55$1,752$146
60$1,758$147
65$1,876$156
70$2,038$170
75$2,420$202
80$2,996$250

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.