Toyota 4Runner vs. Nissan Pathfinder Insurance Cost Comparison

• A 2024 Nissan Pathfinder costs less to insure than a 2024 Toyota 4Runner by an average of $126 per year, $2,510 compared to $2,384.
• Out of 34 models in the 2024 midsize SUV category, the Toyota 4Runner ranks 26^th and the Nissan Pathfinder ranks 22^nd for overall insurance affordability.
• For a 2024 model year Toyota 4Runner, auto insurance rates cost from $2,408 to $2,652 per year, while insurance for the 2024 Nissan Pathfinder ranges from $2,240 to $2,530, depending on the trim level being insured.
• The Toyota 4Runner SR5 2WD and the Nissan Pathfinder S 2WD are the trim levels that are cheapest to insure for each model, at $2,408 and $2,240 per year, respectively.

Is insurance cheaper for a 4Runner or Pathfinder?

For the 2024 model year, the model having the cheapest car insurance rates is the Nissan Pathfinder. Insurance on the Toyota 4Runner averages $2,510 per year, while insurance for a Nissan Pathfinder costs an average of $2,384 per year.

Out of 11 trim levels for the 2024 Toyota 4Runner, the cheapest car insurance rates are on the SR5 2WD trim at a cost of $2,408 per year, or about $201 per month. Out of the eight trim levels available for the Nissan Pathfinder, the cheapest 2024 trim level to insure is the S 2WD trim at a cost of $2,240.

When insurance rates for all 19 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Nissan Pathfinder S 2WD at an average cost of $2,240 per year, and the most expensive model and trim level is the Toyota 4Runner TRD Pro 4WD at an average cost of $2,652 per year.

The table shown below ranks the yearly and monthly cost of car insurance for 2024 Toyota 4Runner and Nissan Pathfinder models, with average rates for each vehicle.

The chart below demonstrates the average cost to insure the two models rated for multiple driver ages. For a 2024 Toyota 4Runner, the average cost of car insurance ranges from $2,238 to $5,106 per year for the included driver ages. A 2024 Nissan Pathfinder costs from $2,108 to $4,842 to insure per year.

The rate tables below illustrate average car insurance cost by trim level for each 2024 model, plus an average rate for each model.

2023 Toyota 4Runner vs. Nissan Pathfinder

For 2023, the model having the cheapest rates is the Toyota 4Runner. Insurance rates for the Toyota 4Runner average $2,134 per year, while insurance for the Nissan Pathfinder averages $2,210 per year.

Out of 12 Toyota 4Runner trims, the cheapest 2023 trim to insure is the SR5 2WD trim at an average cost of $2,026 per year.

The 2023 Nissan Pathfinder has nine trim levels available, with the cheapest model to insure being the S 2WD model at an average cost of $2,080 per year, or about $173 per month.

When comparing rates by trim level for both models, the lowest-cost model and trim to insure is the Toyota 4Runner SR5 2WD at an average rate of $2,026 per year. The most expensive model and trim level is the Nissan Pathfinder Platinum 4WD costing $2,344 per year.

The rate table below compares and ranks the 12-month and monthly car insurance cost for 2023 Toyota 4Runner and Nissan Pathfinder models, showing average cost for every trim level.

The chart below demonstrates the average cost to insure both 2023 models rated for multiple driver ages. For a 2023 Toyota 4Runner, average car insurance cost ranges from $1,890 to $4,318 per year for the driver ages used. A 2023 Nissan Pathfinder costs from $1,964 to $4,416 to insure per year.

The two tables below show the cost to insure the available trim levels for both 2023 models, plus the average rate for each model. The cheapest to insure for the 2023 model year is the Toyota 4Runner.

2022 Toyota 4Runner vs. Nissan Pathfinder

Insurance rates for a 2022 Toyota 4Runner average $2,084 per year, and insurance for a 2022 Nissan Pathfinder averages $2,160 per year, making the Toyota 4Runner the cheapest of the two to insure.

For a 2022 Toyota 4Runner, rates range from the cheapest price of $1,978 per year for the SR5 2WD model up to $2,234 for the TRD Pro 4WD model. For the 2022 Nissan Pathfinder, rates can range from $2,032 per year for the S 2WD model up to $2,296 on the Platinum 4WD model.

From a cost-per-month standpoint, average insurance rates for all 2022 Toyota 4Runner and Nissan Pathfinder models cost from $165 to $191 per month.

For the 2022 Toyota 4Runner, the lowest-cost trim levels to insure include the SR5 2WD, SR5 4WD, and Trail Special Edition 2WD. The lowest-cost Nissan Pathfinder trim levels to insure include the S 2WD, S 4WD, and SV 2WD.

The table below compares the cost of car insurance for 2022 Toyota 4Runner and Nissan Pathfinder models, with average rates for each vehicle.

The chart below visualizes the average car insurance cost for the two models with different driver age groups. For a 2022 Toyota 4Runner, the average cost of car insurance ranges from $1,846 to $4,224 per year for the five driver ages sampled in the chart. Auto insurance on the 2022 Nissan Pathfinder costs from $1,916 to $4,324 on average per year.

Out of 13 Toyota 4Runner trim levels, the most affordable 2022 trim to insure is the SR5 2WD model at an average cost of $1,978 per year.

For the eight trims available for the Nissan Pathfinder, the most affordable 2022 model to insure is the S 2WD model at a cost of $2,032 per year, or $169 per month.

When all 21 trims of both models are combined and compared, the cheapest vehicle to put coverage on is the Toyota 4Runner SR5 2WD at an average of $1,978 per year, and the most expensive model and trim level is the Nissan Pathfinder Platinum 4WD costing an average of $2,296 per year.

The next two tables break down trim level insurance cost averages for both 2022 models, plus the average rate for each model. The 2022 Toyota 4Runner has lower-cost car average car insurance rates than the 2022 Nissan Pathfinder.

2021 Toyota 4Runner vs. Nissan Pathfinder

When comparing car insurance rates for the 2021 Toyota 4Runner and Nissan Pathfinder models, the Toyota 4Runner has cheaper rates by $48 per year for this model year.

The chart shown below illustrates the average cost to insure the two models for the 20 to 50-year-old driver age groups. For the 2021 Toyota 4Runner, insurance cost ranges from $1,874 to $4,294 per year for the different drivers illustrated in the chart. Insurance on a 2021 Nissan Pathfinder ranges from $1,918 to $4,348 on average per year.

The 2021 Toyota 4Runner has 12 trims available, with the lowest-cost trim level to insure being the SR/5 2WD model at an average cost of $2,048 per year.

The 2021 Nissan Pathfinder has 10 trim options available, with the cheapest trim to insure being the S 2WD trim at an average cost of $1,996 per year.

When trim-level rates for both models are compared, the most affordable model and trim level to put coverage on is the Nissan Pathfinder S 2WD at an average cost of $1,996 per year, and the most expensive model and trim level is the Nissan Pathfinder SL Rock Creek Premium 4WD at a cost of $2,232 per year.

The tables shown below break down all the available trims for both 2021 models, including an overall average cost for each model.

2020 Toyota 4Runner vs. Nissan Pathfinder

When comparing car insurance rates for 2020 models, the Toyota 4Runner costs $2,050 per year for full coverage and the Nissan Pathfinder costs $2,098, making the Toyota 4Runner the cheaper model by $48 for this comparison year.

The chart shown below displays the average car insurance cost for the two models for the 20 to 50-year-old driver age groups. For the 2020 Toyota 4Runner, the average cost of car insurance ranges from $1,820 to $4,168 per year for the age groups used in the chart. A full-coverage policy for a 2020 Nissan Pathfinder ranges from $1,864 to $4,218 on average per year.

Out of 12 trim levels for a 2020 Toyota 4Runner, the most affordable average insurance prices are on the SR/5 2WD model at a cost of $1,988 per year. Out of the 10 option levels available for a Nissan Pathfinder, the most affordable 2020 trim level to insure is the S 2WD model at a cost of $1,938 per year, or around $162 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to put coverage on is the Nissan Pathfinder S 2WD at an average rate of $1,938 per year. The highest-cost model and trim is the Nissan Pathfinder SL Rock Creek Premium 4WD at an average of $2,168 per year.

The next tables detail trim level insurance rates for each 2020 model, as well as an average rate for each model. The 2020 Toyota 4Runner has cheaper average auto insurance rates than the 2020 Nissan Pathfinder.

2019 Toyota 4Runner vs. Nissan Pathfinder

For 2019 Toyota 4Runner and Nissan Pathfinder models, the Toyota 4Runner costs less to insure by $270 per year.

The rate chart below visualizes the average cost to insure both models for a range of driver ages. For the 2019 Toyota 4Runner, the average cost of car insurance ranges from $1,594 to $3,644 per year. Full-coverage car insurance on the 2019 Nissan Pathfinder costs from $1,842 to $4,154 on average per year.

For the nine trims available for the 2019 Toyota 4Runner, the cheapest trim to insure is the SR/5 2WD model at an average cost of $1,710 per year, or about $143 per month.

For the eight trim and option levels available for the Nissan Pathfinder, the lowest-cost 2019 trim level to insure is the S 2WD model at a cost of $1,944.

When all 17 trims of both models are combined and compared, the cheapest model and trim level to put coverage on is the Toyota 4Runner SR/5 2WD at an average cost of $1,710 per year, and the most expensive trim is the Nissan Pathfinder Platinum 4WD costing $2,162 per year.

The next two tables show the expected annual car insurance cost by trim level for both 2019 models, including an overall average rate.

2018 Toyota 4Runner vs. Nissan Pathfinder

When comparing insurance rates for the 2018 Toyota 4Runner and Nissan Pathfinder models, the Toyota 4Runner has cheaper rates by an average of $276 per year for this comparison year.

The following chart illustrates the average insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. Insurance cost ranges from $1,516 to $3,452 per year for the 2018 Toyota 4Runner, and $1,772 to $3,984 for a 2018 Nissan Pathfinder for the included driver ages.

Out of nine Toyota 4Runner trim levels, the most affordable 2018 model to insure is the SR/5 2WD model at an average cost of $1,636 per year.

Out of the eight different option levels available for a Nissan Pathfinder, the most affordable 2018 model to insure is the S 2WD trim at a cost of $1,866 per year, or $156 per month.

When average insurance prices for all 17 trims of both models are combined and sorted by cost, the lowest-cost model and trim to insure is the Toyota 4Runner SR/5 2WD at an average cost of $1,636 per year. The highest-cost model and trim is the Nissan Pathfinder Platinum 4WD at an average cost of $2,072 per year.

The next two tables detail the average insurance cost by trim level for both 2018 models, plus an average rate for each model. The cheapest of the two models to insure for the 2018 model year is the Toyota 4Runner.

2017 Toyota 4Runner vs. Nissan Pathfinder

When comparing average insurance rates for 2017 models, a Toyota 4Runner costs an average of $1,640 per year to insure and a Nissan Pathfinder costs $1,888, making the Toyota 4Runner more affordable to insure by $248 per year for this model year.

The next chart visualizes the average cost to insure the two models with different driver age groups. For a 2017 Toyota 4Runner, average car insurance cost ranges from $1,460 to $3,320 per year. A full-coverage policy on the 2017 Nissan Pathfinder costs from $1,690 to $3,794 on average per year.

Out of nine Toyota 4Runner trims, the most affordable 2017 trim to insure is the SR/5 2WD model at an average cost of $1,578 per year.

For the eight different trim levels available for the Nissan Pathfinder, the most affordable 2017 trim to insure is the S S 2WD model at a cost of $1,754.

When comparing combined rates for both models from a trim-level perspective, the overall cheapest vehicle to insure is the Toyota 4Runner SR/5 2WD at an average cost of $1,578 per year, and the overall most expensive vehicle to insure is the Nissan Pathfinder Platinum Edition 4WD at an average of $2,002 per year.

The tables below detail average car insurance rates for each trim level, along with the average rate for each model.

2016 Toyota 4Runner vs. Nissan Pathfinder

When comparing insurance cost for the 2016 Toyota 4Runner and Nissan Pathfinder models, the Toyota 4Runner has cheaper rates by an average of $52 per year.

The next chart displays the average cost to insure both models with different drivers at the wheel. For a 2016 Toyota 4Runner, insurance cost ranges from $1,432 to $3,230 per year for the five driver ages sampled in the chart. Insurance on the 2016 Nissan Pathfinder costs from $1,486 to $3,314 on average per year.

Out of nine Toyota 4Runner trim levels, the most affordable 2016 model to insure is the SR/5 2WD trim at an average cost of $1,552 per year, or around $129 per month.

Out of the eight trim options available for the Nissan Pathfinder, the cheapest 2016 trim to insure is the S 2WD model at a cost of $1,522 per year, or $127 per month.

When looking at the aggregated rates by trim level for both models, the most affordable model and trim level to insure is the Nissan Pathfinder S 2WD at a cost of $1,522 per year, and the most expensive trim is the Nissan Pathfinder Platinum Edition 4WD at a cost of $1,748 per year.

The next two tables illustrate all the available trims for both 2016 models, along with an average cost for each model. The 2016 Toyota 4Runner has cheaper average auto insurance rates than the 2016 Nissan Pathfinder.

2015 Toyota 4Runner vs. Nissan Pathfinder

When comparing average insurance rates for 2015 models, a Toyota 4Runner costs an average of $1,576 per year to insure and a Nissan Pathfinder costs $1,718, making the Toyota 4Runner cheaper to insure by $142 per year for 2015.

The chart below displays the average cost to insure both models using different driver ages. The average cost of full-coverage insurance ranges from $1,406 to $3,188 per year for the 2015 Toyota 4Runner, and $1,542 to $3,442 for the 2015 Nissan Pathfinder for the driver ages used.

The 2015 Toyota 4Runner has nine trims available, with the cheapest trim to insure being the SR/5 2WD trim at an average cost of $1,534 per year. For the eight trims available for a Nissan Pathfinder, the lowest-cost 2015 trim package to insure is the S 2WD trim at a cost of $1,598.

When insurance rates for all 17 trim levels for the 2015 model year of both models are compared, the overall cheapest vehicle to buy insurance for is the Toyota 4Runner SR/5 2WD at an average of $1,534 per year. The most expensive trim is the Nissan Pathfinder Platinum Edition 4WD at an average cost of $1,806 per year.

The next tables break down trim level insurance rates for each 2015 model, along with the average rate for each model. The model with the cheapest car insurance rates for 2015 is the Toyota 4Runner.

Additional Toyota 4Runner and Nissan Pathfinder Resources

• Toyota 4Runner Insurance Cost
• Nissan Pathfinder Insurance Cost
• Midsize SUV Insurance Cost Comparisons