Toyota 4Runner vs. Jeep Wrangler Insurance Cost

• At an average cost of $2,510 per year, a 2024 Toyota 4Runner is cheaper to insure than a 2024 Jeep Wrangler by an average of $166 per year.
• For a 2024 Toyota 4Runner, car insurance rates range from $2,408 to $2,652 per year, while car insurance cost for a 2024 Jeep Wrangler ranges from $2,378 to $2,936 for full-coverage.
• Average car insurance cost per month for the Jeep Wrangler is 6.5% more expensive than the Toyota 4Runner, at $209 versus $223, a difference of $14.
• If the cheapest car insurance is a high priority, the SR5 2WD and SR5 4WD trims are the cheapest Toyota 4Runner models to insure, while the Sport 2-Door and Sport S 2-Door trims are the cheapest Jeep Wrangler models to insure.

Is Toyota 4Runner or Jeep Wrangler insurance cheaper?

Car insurance on a 2024 Toyota 4Runner costs an average of $2,510 per year, whereas the 2024 Jeep Wrangler costs an average of $2,676 per year, making the Toyota 4Runner the model with cheaper overall insurance rates.

For the 11 trim levels available for the 2024 Toyota 4Runner, the cheapest model to insure is the SR5 2WD model at an average cost of $2,408 per year. For the 16 trims available for the Jeep Wrangler, the cheapest 2024 model to insure is the Sport 2-Door trim at a cost of $2,378 per year, or $198 per month.

When rates for all 27 trim levels for both 2024 models are compared, the overall cheapest vehicle to insure is the Jeep Wrangler Sport 2-Door at an average cost of $2,378 per year. The highest-cost model and trim is the Jeep Wrangler Rubicon 392 costing an average of $2,936 per year.

The table shown below ranks the annual and monthly car insurance cost for 2024 Toyota 4Runner and Jeep Wrangler models, broken down by individual trim level.

The chart shown below shows the average cost to insure the two models for a range of driver ages. For a 2024 Toyota 4Runner, the average cost of car insurance ranges from $2,238 to $5,106 per year. A 2024 Jeep Wrangler costs from $2,386 to $5,452 to insure per year.

The next two tables show the cost to insure the available trim levels for both 2024 models, as well as an average rate for each model. The winner for the 2024 car insurance rate comparison is the Toyota 4Runner.

2023 Toyota 4Runner vs. Jeep Wrangler

Insurance on a 2023 Toyota 4Runner costs an average of $2,134 per year, whereas insurance for a 2023 Jeep Wrangler averages $2,514 per year, making the Toyota 4Runner the model with cheaper overall insurance rates.

Out of 12 trim levels for the 2023 Toyota 4Runner, the cheapest auto insurance rates are on the SR5 2WD model at a cost of $2,026 per year.

For the 22 trim levels available for the Jeep Wrangler, the cheapest 2023 model to insure is the Sport 2-Door model at a cost of $2,280 per year, or $190 per month.

When insurance rates for all 34 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Toyota 4Runner SR5 2WD at an average rate of $2,026 per year, and the highest-cost model and trim level is the Jeep Wrangler Rubicon 392 at an average of $2,780 per year.

The next table compares and ranks the annual and monthly car insurance cost for 2023 Toyota 4Runner and Jeep Wrangler models, broken down by individual trim level.

The next chart demonstrates the average cost to insure the two models for drivers aged 20 to 50. The average car insurance cost ranges from $1,890 to $4,318 per year for a 2023 Toyota 4Runner, and $2,246 to $5,170 for a 2023 Jeep Wrangler for the age groups used in the chart.

The next two rate tables show all the available trims for both 2023 models, including an overall average rate. The 2023 Toyota 4Runner takes the trophy over the 2023 Jeep Wrangler for cheapest overall car insurance cost.

2022 Toyota 4Runner vs. Jeep Wrangler

Insurance on a 2022 Toyota 4Runner costs an average of $2,084 per year, and a 2022 Jeep Wrangler averages $2,448 per year, making the Toyota 4Runner the model with more affordable average car insurance rates.

For a 2022 Toyota 4Runner, rates range from the lowest rate of $1,978 per year for the SR5 2WD model up to $2,234 for the TRD Pro 4WD model.

For a 2022 Jeep Wrangler, rates range from $2,236 per year for the Sport 2-Door model up to $2,708 for the most expensive Rubicon 392 model.

When comparing rates for both models from a trim-level perspective, the cheapest model and trim level is the Toyota 4Runner SR5 2WD at an average of $1,978 per year. The most expensive model and trim level is the Jeep Wrangler Rubicon 392 at an average cost of $2,708 per year.

For a 2022 Toyota 4Runner, the cheapest models are the SR5 2WD, SR5 4WD, and Trail Special Edition 2WD. The cheapest Jeep Wrangler models include the Sport 2-Door, Willys Sport 2-Door, and Sport S 2-Door.

On a monthly basis, car insurance rates for all 2022 Toyota 4Runner and Jeep Wrangler models range from $165 to $226 per month.

The table below compares annual and monthly car insurance cost for a 2022 Toyota 4Runner and Jeep Wrangler. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

The chart shown below shows the average cost to insure both models rated for a variety of different driver ages. Average car insurance cost ranges from $1,846 to $4,224 per year for a 2022 Toyota 4Runner, and $2,186 to $5,038 for a 2022 Jeep Wrangler for the age groups used in the chart.

The 2022 Toyota 4Runner has 13 trim levels available, with the cheapest trim to insure being the SR5 2WD model at an average cost of $1,978 per year, or about $165 per month. Out of the 19 trims available for the Jeep Wrangler, the cheapest 2022 trim level to insure is the Sport 2-Door trim at a cost of $2,236 per year, or about $186 per month.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Toyota 4Runner SR5 2WD at a cost of $1,978 per year, and the most expensive model and trim level is the Jeep Wrangler Rubicon 392 at an average cost of $2,708 per year.

The next tables illustrate the average cost to insure all 2022 trim levels, including the average rate for each model. The cheapest to insure for the 2022 model year is the Toyota 4Runner.

2021 Toyota 4Runner vs. Jeep Wrangler Insurance

For 2021 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner has lower-cost car insurance by an average of $280 per year.

The next chart displays the average cost to insure both 2021 models rated for different driver ages. The average car insurance cost ranges from $1,874 to $4,294 per year for a 2021 Toyota 4Runner, and $2,138 to $4,922 for a 2021 Jeep Wrangler for the driver ages used.

Out of 12 Toyota 4Runner trim levels, the cheapest 2021 trim to insure is the SR/5 2WD trim at an average cost of $2,048 per year.

Out of the 15 trims available for the Jeep Wrangler, the cheapest 2021 trim level to insure is the Sport 4WD trim at a cost of $1,816.

When comparing both models at a trim-level basis, the cheapest trim to insure is the Jeep Wrangler Sport 4WD at an average cost of $1,816 per year, and the most expensive model and trim level is the Jeep Wrangler Rubicon 392 at an average of $2,664 per year.

The next two tables display average car insurance rates for each trim level, along with the average rate for each model. The 2021 Toyota 4Runner has more affordable average car insurance than the 2021 Jeep Wrangler.

2020 Toyota 4Runner vs. Jeep Wrangler Insurance

When comparing average insurance rates for the 2020 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner is cheaper to insure by an average of $248 per year for 2020.

The next chart illustrates the average cost to insure both models rated for multiple driver ages. For a 2020 Toyota 4Runner, average insurance cost ranges from $1,820 to $4,168 per year for these driver ages. A 2020 Jeep Wrangler costs from $2,054 to $4,734 to insure per year.

Out of 12 Toyota 4Runner trim levels, the cheapest 2020 trim level to insure is the SR/5 2WD trim at an average cost of $1,988 per year. Out of the 13 trims available for the Jeep Wrangler, the cheapest 2020 model to insure is the Sport 4WD trim at a cost of $1,764 per year, or around $147 per month.

When rates are compared for the 25 trim levels of both 2020 models, the most affordable model and trim level to insure is the Jeep Wrangler Sport 4WD at an average of $1,764 per year, and the most expensive trim is the Jeep Wrangler Unlimited Rubicon Sky One Touch Power Top costing an average of $2,496 per year.

The next two tables illustrate trim level insurance cost averages for both 2020 models, as well as an average rate for each model. The cheapest to insure for the 2020 model year is the Toyota 4Runner.

2019 Toyota 4Runner vs. Jeep Wrangler Insurance

For 2019 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner has lower-cost car insurance by an average of $394 per year for this comparison year.

The chart below visualizes the average cost to insure both 2019 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2019 Toyota 4Runner, the average cost of car insurance ranges from $1,594 to $3,644 per year for the example age groups. A 2019 Jeep Wrangler costs from $1,966 to $4,506 to insure per year.

For the nine trims available for the 2019 Toyota 4Runner, the cheapest model to insure is the SR/5 2WD model at an average cost of $1,710 per year, or $143 per month. The 2019 Jeep Wrangler has seven trim levels available, with the cheapest model to insure being the Sport 4WD trim at an average cost of $1,884 per year, or around $157 per month.

When rates are compared for the 16 trim levels of both 2019 models, the cheapest model and trim level to insure is the Toyota 4Runner SR/5 2WD at a cost of $1,710 per year, and the most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD at an average of $2,430 per year.

The next two rate tables illustrate all the available trims for both 2019 models, along with the average rate for each model.

2018 Toyota 4Runner vs. Jeep Wrangler Insurance

For the 2018 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner has cheaper car insurance rates by an average of $312 per year for this comparison year.

The next chart demonstrates the average cost to insure the two models for drivers aged 20 to 50. Average insurance cost ranges from $1,516 to $3,452 per year for a 2018 Toyota 4Runner, and $1,818 to $4,148 for a 2018 Jeep Wrangler for the example age groups.

Out of nine Toyota 4Runner trim levels, the cheapest 2018 trim to insure is the SR/5 2WD model at an average cost of $1,636 per year. For the seven trim levels available for the Jeep Wrangler, the cheapest 2018 trim level to insure is the Sport 4WD trim at a cost of $1,666 per year, or about $139 per month.

When average car insurance prices for all 16 trims of both models are combined and sorted by cost, the cheapest trim to insure is the Toyota 4Runner SR/5 2WD at an average of $1,636 per year. The most expensive model and trim level is the Jeep Wrangler Unlimited Rubicon 4WD at an average of $2,284 per year.

The next tables show average car insurance rates for every trim level for both 2018 models, plus the average rate for each model. The 2018 Toyota 4Runner takes the win over the 2018 Jeep Wrangler for cheapest overall car insurance cost.

2017 Toyota 4Runner vs. Jeep Wrangler Insurance

When comparing insurance cost for 2017 models, a Toyota 4Runner costs an average of $1,640 per year to insure and a Jeep Wrangler costs $1,974, making the Toyota 4Runner cheaper to insure by $334 per year for this comparison year.

The chart below visualizes the average cost to insure both models for four different driver age groups. Average car insurance cost ranges from $1,460 to $3,320 per year for a 2017 Toyota 4Runner, and $1,778 to $4,064 for a 2017 Jeep Wrangler for the example age groups.

For the nine trim levels available for the 2017 Toyota 4Runner, the cheapest trim level to insure is the SR/5 2WD trim at an average cost of $1,578 per year.

Out of the 13 trim levels available for the Jeep Wrangler, the cheapest 2017 trim to insure is the Sport 4WD trim at a cost of $1,616.

When looking at the aggregated rates by trim for both models, the overall cheapest vehicle to insure is the Toyota 4Runner SR/5 2WD at a cost of $1,578 per year, and the most expensive vehicle to insure is the Jeep Wrangler Unlimited Sahara Winter 4WD costing an average of $2,266 per year.

The tables shown below illustrate average car insurance cost by trim level for a 2017 Toyota 4Runner and Jeep Wrangler, as well as an average rate for each model. The 2017 Toyota 4Runner takes the trophy over the 2017 Jeep Wrangler for cheapest car insurance cost.

2016 Toyota 4Runner vs. Jeep Wrangler Insurance

When comparing insurance rates for the 2016 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner has cheaper rates by an average of $126 per year for this comparison year.

The chart shown below displays the average cost to insure the two models rated for drivers aged 20 to 50. For a 2016 Toyota 4Runner, the average car insurance cost ranges from $1,432 to $3,230 per year. A 2016 Jeep Wrangler costs from $1,560 to $3,566 to insure per year.

Out of nine trims for the 2016 Toyota 4Runner, the cheapest insurance prices are on the SR/5 2WD trim at a cost of $1,552 per year, or $129 per month. For the seven trims available for the Jeep Wrangler, the cheapest 2016 trim level to insure is the Sport 4WD trim at a cost of $1,364 per year, or around $114 per month.

When insurance rates for all 16 trim levels for the 2016 model year of both models are compared, the most affordable model and trim level to insure is the Jeep Wrangler Sport 4WD at an average cost of $1,364 per year. The most expensive trim is the Jeep Wrangler Unlimited Rubicon 4WD at an average cost of $2,042 per year.

The tables shown below show trim level insurance cost averages for both 2016 models, along with an average cost for each model.

2015 Toyota 4Runner vs. Jeep Wrangler Insurance

For the 2015 Toyota 4Runner and Jeep Wrangler models, the Toyota 4Runner has cheaper car insurance cost by an average of $80 per year.

The chart below shows the average cost to insure both 2015 models using different driver ages. The average cost of car insurance ranges from $1,406 to $3,188 per year for a 2015 Toyota 4Runner, and $1,496 to $3,408 for a 2015 Jeep Wrangler for the age groups used in this illustration.

For the nine trims available for the 2015 Toyota 4Runner, the cheapest trim level to insure is the SR/5 2WD model at an average cost of $1,534 per year, or $128 per month. For the six trims available for the Jeep Wrangler, the cheapest 2015 model to insure is the Sport 4WD model at a cost of $1,308.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Jeep Wrangler Sport 4WD at an average cost of $1,308 per year, and the most expensive model and trim level is the Jeep Wrangler Unlimited Rubicon 4WD at an average of $1,980 per year.

The tables below illustrate the average insurance cost by trim level for both 2015 models, plus an average rate for each model. The 2015 Toyota 4Runner has cheaper average auto insurance rates than the 2015 Jeep Wrangler.

Additional Toyota 4Runner and Jeep Wrangler Resources

• Toyota 4Runner Insurance Rates
• Jeep Wrangler Insurance Rates
• Midsize SUV Insurance Rate Comparisons