2023 Toyota 4Runner Car Insurance Calculator
Understand how choices you make impact car insurance rates for a 2023 Toyota 4Runner. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly whether your selection increases or decreases your premium.
The average estimated car insurance premium for a 2023 Toyota 4Runner is $2,134 per year, or about $178 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
Cost Per Month
$178
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
- Update Options: Adjust any settings in the form below.
- Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
- Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.
Key Features:
- Instant Rate Comparison: Learn how your personalized rate compares to the average driver.
To view the comparison as you customize the calculator settings, pin it to the bottom of your screen. - Personalized Analysis: Each update to the calculator refines your insurance analysis, helping you understand factors that are positively or negatively influencing your rates or protection level.
- 2023 Midsize SUV Segment Competitive Analysis: A comparative overview of all midsize SUV models for your model year. Rates update with every change made to the calculator settings.
- 2023 Toyota 4Runner Trim Level Rates: Insurance rates for all trims available for your model year 4Runner. This data is also dynamic based on calculator settings.
Calculated vs. Average Rate
Discover how your personalized car insurance rate compares to the average annual premium for a 2023 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.
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 2023 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 2023 Toyota 4Runner is $2,134.
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.
2023 Toyota 4Runner vs. the Midsize SUV Segment
The table below compares insurance rates for the 2023 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,774 | -$360 |
| 2 | Subaru Ascent | $1,854 | -$280 |
| 3 | Ford Edge | $1,932 | -$202 |
| 4 | Volkswagen Atlas | $1,946 | -$188 |
| 5 | Ford Explorer | $1,950 | -$184 |
| 6 | Nissan Murano | $1,958 | -$176 |
| 7 | Subaru Outback | $1,964 | -$170 |
| 8 | Volkswagen Atlas Cross Sport | $2,036 | -$98 |
| 9 | Toyota Venza | $2,076 | -$58 |
| 10 | Kia Sorento | $2,092 | -$42 |
| 11 | Hyundai Palisade | $2,118 | -$16 |
| 12 | Toyota 4Runner | $2,134 | -- |
| 13 | GMC Acadia | $2,168 | $34 |
| 14 | Chevrolet Traverse | $2,174 | $40 |
| 15 | Honda Pilot | $2,192 | $58 |
| 16 | Buick Enclave | $2,196 | $62 |
| 17 | Nissan Pathfinder | $2,210 | $76 |
| 18 | Mazda CX-9 | $2,220 | $86 |
| 2023 Midsize SUV Average | $2,227 | $93 | |
| 19 | Mitsubishi Outlander Sport | $2,252 | $118 |
| 20 | Kia Telluride | $2,266 | $132 |
| 21 | Toyota Highlander | $2,284 | $150 |
| 22 | Chevrolet Blazer | $2,306 | $172 |
| 23 | Hyundai Santa Fe | $2,336 | $202 |
| 24 | Jeep Grand Cherokee | $2,420 | $286 |
| 25 | Jeep Cherokee | $2,464 | $330 |
| 26 | Jeep Wrangler | $2,514 | $380 |
| 27 | Ford Bronco | $2,536 | $402 |
| 28 | Tesla Model Y | $2,548 | $414 |
| 29 | Mitsubishi Outlander PHEV | $2,606 | $472 |
| 30 | Dodge Durango | $2,708 | $574 |
| 31 | Rivian R1S | $2,790 | $656 |
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.
2023 4Runner Insurance Rates by Trim Level
The table below shows insurance rates for all trim levels available for the 2023 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.
| 2023 Toyota 4Runner Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SR5 2WD | $2,026 | $169 |
| SR5 4WD | $2,058 | $172 |
| TRD Sport 2WD | $2,078 | $173 |
| SR5 Premium 2WD | $2,090 | $174 |
| TRD Off-Road 4WD | $2,108 | $176 |
| SR5 Premium 4WD | $2,116 | $176 |
| TRD Sport 4WD | $2,116 | $176 |
| TRD Off-Road Premium 4WD | $2,158 | $180 |
| 40th Anniversary Special Edition | $2,178 | $182 |
| Limited 2WD | $2,202 | $184 |
| Limited 4WD | $2,218 | $185 |
| TRD Pro 4WD | $2,274 | $190 |
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 2023 Toyota 4Runner for different driver ages.
| Driver Age | Annual Premium | Cost Per Month |
|---|---|---|
| 16 | $7,633 | $636 |
| 17 | $7,405 | $617 |
| 18 | $6,657 | $555 |
| 19 | $6,048 | $504 |
| 20 | $4,632 | $386 |
| 21 | $4,418 | $368 |
| 22 | $3,958 | $330 |
| 23 | $3,235 | $270 |
| 24 | $3,062 | $255 |
| 25 | $2,478 | $207 |
| 30 | $2,276 | $190 |
| 35 | $2,192 | $183 |
| 40 | $2,134 | $178 |
| 45 | $1,994 | $166 |
| 50 | $1,890 | $158 |
| 55 | $1,766 | $147 |
| 60 | $1,772 | $148 |
| 65 | $1,890 | $158 |
| 70 | $2,036 | $170 |
| 75 | $2,396 | $200 |
| 80 | $2,956 | $246 |
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.