2023 Toyota bz4X Car Insurance Calculator

Find out how seemingly small changes impact the cost of insurance for a 2023 Toyota bz4X. Experiment with trim level options, driving record, policy coverages, and annual miles driven to see the impact on rates. Instantly see how much and why your choice impacts rates.

The average estimated car insurance premium for a 2023 Toyota bz4X is $2,216 per year, or about $185 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

$2,216

Cost Per Month

$185

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 bz4X 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 2023 Toyota bz4X.

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.

$2,216
Average Rate
Your Rate
$2,216

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 bz4X 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 bz4X is $2,216.

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 bz4X vs. the Small SUV Segment

The table below compares insurance rates for the 2023 Toyota bz4X against all other models in the small SUV segment. The Toyota bz4X 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 bz4X, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota bz4X.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Toyota bz4X Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$494
2Subaru Crosstrek$1,740-$476
3Nissan Kicks$1,744-$472
4Nissan Rogue Sport$1,776-$440
5Mazda CX-5$1,794-$422
6Buick Encore$1,814-$402
7Buick Envision$1,822-$394
8Kia Seltos$1,844-$372
9Hyundai Venue$1,854-$362
10Honda HR-V$1,886-$330
11Hyundai Kona$1,910-$306
12Subaru Forester$1,926-$290
13Honda CR-V$1,932-$284
14Mazda CX-30$1,936-$280
15Chevrolet Trax$1,950-$266
16Volkswagen Tiguan$1,978-$238
17Ford Bronco Sport$1,984-$232
18Fiat 500X$2,018-$198
19Kia Soul$2,022-$194
20GMC Terrain$2,024-$192
21Mitsubishi Eclipse Cross$2,034-$182
22Chevrolet Equinox$2,048-$168
23Toyota Corolla Cross$2,056-$160
24Volkswagen Taos$2,062-$154
25Mazda CX-50$2,064-$152
2023 Small SUV Average$2,073-$143
26Hyundai Tucson$2,082-$134
27Ford Escape$2,086-$130
28Nissan Rogue$2,094-$122
29Kia Niro$2,110-$106
30Toyota RAV4$2,112-$104
31Mazda MX-30$2,116-$100
32Mini Cooper$2,126-$90
33Jeep Compass$2,130-$86
34Mini Cooper Clubman$2,162-$54
35Jeep Renegade$2,192-$24
36Chevrolet Bolt$2,206-$10
37Toyota bz4X$2,216--
38Hyundai Ioniq 5$2,260$44
39Kia Sportage$2,270$54
40Mini Cooper Countryman$2,338$122
41Mitsubishi Mirage$2,340$124
42Mitsubishi Outlander$2,352$136
43Volkswagen ID4$2,366$150
44Kia EV6$2,416$200
45Dodge Hornet$2,418$202
46Hyundai Nexo$2,508$292
47Ford Mustang Mach-E$2,576$360

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 bz4X Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Toyota bz4X.

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 bz4X Insurance Rates by Trim Level
2023 Toyota bz4X Trim Level Annual Premium Cost Per Month
XLE$2,182$182
Limited$2,250$188

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 bz4X for different driver ages.

2023 Toyota bz4X Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,854$655
17$7,626$636
18$6,869$572
19$6,240$520
20$4,786$399
21$4,567$381
22$4,096$341
23$3,352$279
24$3,174$265
25$2,572$214
30$2,366$197
35$2,274$190
40$2,216$185
45$2,068$172
50$1,960$163
55$1,830$153
60$1,836$153
65$1,958$163
70$2,106$176
75$2,470$206
80$3,042$254

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 bz4X trim levels.