- Toyota 4Runner insurance costs an average of $2,036 per year, or around $170 per month for full coverage.
- The cheapest trim level of Toyota 4Runner to insure is the base SR5 2WD at an estimated $1,952 per year, or about $163 per month.
- The Toyota 4Runner is one of the more expensive midsize SUVs to insure, costing $162 more per year on average as compared to the rest of the vehicles in the segment.
How much does Toyota 4Runner insurance cost?
Toyota 4Runner insurance costs an average of $2,036 per year, or about $170 each month. With the average midsize SUV costing $1,874 a year to insure, the Toyota 4Runner ranks 26th out of 34 vehicles in the midsize SUV class for insurance affordability.
The following chart demonstrates how average 2024 Toyota 4Runner car insurance rates change based on the age of the rated driver and a range of policy deductibles.
What 4Runner model is the cheapest to insure?
With 2024 Toyota 4Runner insurance rates ranging from $1,952 to $2,152 per year on average, the most budget-friendly model to insure is the SR5 2WD. The second cheapest trim level to insure is the SR5 4WD at $1,986 per year.
The Toyota 4Runner models with the most expensive insurance rates are the TRD Pro 4WD and the Limited 2WD at $2,092 per year. Those models will cost an extra $200 per year over the least expensive SR5 2WD model.
The table below shows the average car insurance cost for different policy terms for each trim level of 2024 Toyota 4Runner.
| 2024 Toyota 4Runner Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SR5 2WD | $1,952 | $163 |
| SR5 4WD | $1,986 | $166 |
| TRD Sport 2WD | $2,002 | $167 |
| SR5 Premium 2WD | $2,008 | $167 |
| TRD Off-Road 4WD | $2,020 | $168 |
| TRD Sport 4WD | $2,032 | $169 |
| SR5 Premium 4WD | $2,040 | $170 |
| Limited 4WD | $2,044 | $170 |
| TRD Off-Road Premium 4WD | $2,070 | $173 |
| Limited 2WD | $2,092 | $174 |
| TRD Pro 4WD | $2,152 | $179 |
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. Updated February 23, 2024
How does Toyota 4Runner insurance cost rank?
The Toyota 4Runner ranks 26th out of 34 total vehicles in the midsize SUV category. A 2024 4Runner costs an estimated $2,036 per year to insure for full coverage and the class median average cost is $1,874 per year, a difference of $162 per year.
When compared directly to the most popular models in the midsize SUV category, insurance for a Toyota 4Runner costs $308 more per year than the Toyota Highlander, $138 more per year than the Jeep Grand Cherokee, $106 more per year than the Hyundai Santa Fe, and $266 more per year than the Chevrolet Traverse.
The chart below shows how Toyota 4Runner car insurance rates compare against other top-selling midsize SUVs. Following the chart, a table shows rankings for all 34 vehicles in the segment plus the amount each differs in cost to insure from the 4Runner.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,512 | -$524 |
| 2 | Nissan Murano | $1,594 | -$442 |
| 3 | Subaru Outback | $1,618 | -$418 |
| 4 | Buick Envista | $1,622 | -$414 |
| 5 | Subaru Ascent | $1,652 | -$384 |
| 6 | Volkswagen Atlas | $1,684 | -$352 |
| 7 | Volkswagen Atlas Cross Sport | $1,690 | -$346 |
| 8 | Ford Explorer | $1,722 | -$314 |
| 9 | Toyota Highlander | $1,728 | -$308 |
| 10 | Toyota Venza | $1,732 | -$304 |
| 11 | Chevrolet Traverse | $1,770 | -$266 |
| 12 | Mitsubishi Outlander Sport | $1,782 | -$254 |
| 13 | Mitsubishi Outlander PHEV | $1,784 | -$252 |
| 14 | Kia Sorento | $1,800 | -$236 |
| 15 | Ford Edge | $1,802 | -$234 |
| 16 | Buick Enclave | $1,828 | -$208 |
| 17 | GMC Acadia | $1,832 | -$204 |
| 18 | Honda Pilot | $1,848 | -$188 |
| 19 | Mazda CX-9 | $1,852 | -$184 |
| 20 | Jeep Grand Cherokee | $1,898 | -$138 |
| 21 | Nissan Pathfinder | $1,928 | -$108 |
| 22 | Hyundai Santa Fe | $1,930 | -$106 |
| 23 | Hyundai Palisade | $1,932 | -$104 |
| 24 | Chevrolet Blazer | $1,958 | -$78 |
| 25 | Kia Telluride | $1,978 | -$58 |
| 26 | Toyota 4Runner | $2,036 | -- |
| 27 | Mazda CX-90 | $2,044 | $8 |
| 28 | Toyota Grand Highlander | $2,066 | $30 |
| 29 | Kia EV9 | $2,080 | $44 |
| 30 | Tesla Model Y | $2,100 | $64 |
| 31 | Ford Bronco | $2,104 | $68 |
| 32 | Jeep Wrangler | $2,168 | $132 |
| 33 | Rivian R1S | $2,328 | $292 |
| 34 | Dodge Durango | $2,330 | $294 |
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 vehicle from the 2024 model year. Updated February 23, 2024
Toyota 4Runner insurance rates for new and used models
The following table shows average full coverage insurance rates for a Toyota 4Runner for the 2013 to 2024 model years. Data includes average rates for drivers aged 20 to 60.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Toyota 4Runner | $4,138 | $2,036 | $1,698 |
| 2023 Toyota 4Runner | $3,500 | $1,728 | $1,436 |
| 2022 Toyota 4Runner | $3,422 | $1,690 | $1,402 |
| 2021 Toyota 4Runner | $3,480 | $1,710 | $1,424 |
| 2020 Toyota 4Runner | $3,380 | $1,662 | $1,384 |
| 2019 Toyota 4Runner | $2,952 | $1,452 | $1,210 |
| 2018 Toyota 4Runner | $2,798 | $1,378 | $1,150 |
| 2017 Toyota 4Runner | $2,692 | $1,328 | $1,108 |
| 2016 Toyota 4Runner | $2,616 | $1,302 | $1,086 |
| 2015 Toyota 4Runner | $2,584 | $1,278 | $1,068 |
| 2014 Toyota 4Runner | $2,464 | $1,220 | $1,018 |
| 2013 Toyota 4Runner | $2,536 | $1,252 | $1,052 |
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 Toyota 4Runner trim levels for each model year. Updated February 23, 2024
Toyota 4Runner liability insurance
For older 4Runners, it makes sense to drop full coverage and just insure with liability insurance. The table below details the cost difference between full coverage and liability-only insurance for the 2000 to 2012 4Runner model years.
| Vehicle Model Year | Full Coverage Insurance | Liability Insurance |
|---|---|---|
| 2012 Toyota 4Runner | $1,196 | $530 |
| 2011 Toyota 4Runner | $1,144 | $526 |
| 2010 Toyota 4Runner | $1,090 | $520 |
| 2009 Toyota 4Runner | $1,040 | $516 |
| 2008 Toyota 4Runner | $998 | $512 |
| 2007 Toyota 4Runner | $982 | $506 |
| 2006 Toyota 4Runner | $962 | $502 |
| 2005 Toyota 4Runner | $928 | $496 |
| 2004 Toyota 4Runner | $904 | $492 |
| 2003 Toyota 4Runner | $886 | $482 |
| 2002 Toyota 4Runner | $868 | $473 |
| 2001 Toyota 4Runner | $851 | $463 |
| 2000 Toyota 4Runner | $834 | $454 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Full coverage comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each model year. Updated February 23, 2024
Liability insurance prices on a 4Runner vary considerably depending on the state you live in, so it’s always a good idea to get some quotes to see how rates stack up. Each state has a minimum liability amount that is required, but that minimum amount is often inadequate in the case of more serious claims and accidents.
Toyota 4Runner insurance in your state
States like Virginia ($1,418), Iowa ($1,426), and North Carolina ($1,346) tend to have better insurance rates, while states like Michigan ($2,666), Louisiana ($2,366), and Rhode Island ($2,494) tend to have higher average Toyota 4Runner insurance rates.
Car insurance rates in states like Oregon, Tennessee, and Pennsylvania tend towards the middle, with average Toyota 4Runner insurance rates of $1,922, $1,954, and $1,970 per year, respectively.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $1,858 | $155 |
| Alaska | $1,592 | $133 |
| Arizona | $1,890 | $158 |
| Arkansas | $2,132 | $178 |
| California | $2,434 | $203 |
| Colorado | $2,180 | $182 |
| Connecticut | $2,260 | $188 |
| Delaware | $2,302 | $192 |
| Florida | $2,470 | $206 |
| Georgia | $2,084 | $174 |
| Hawaii | $1,452 | $121 |
| Idaho | $1,508 | $126 |
| Illinois | $1,816 | $151 |
| Indiana | $1,572 | $131 |
| Iowa | $1,426 | $119 |
| Kansas | $2,018 | $168 |
| Kentucky | $2,176 | $181 |
| Louisiana | $2,366 | $197 |
| Maine | $1,302 | $109 |
| Maryland | $1,914 | $160 |
| Massachusetts | $2,214 | $185 |
| Michigan | $2,666 | $222 |
| Minnesota | $1,782 | $149 |
| Mississippi | $1,998 | $167 |
| Missouri | $2,284 | $190 |
| Montana | $1,894 | $158 |
| Nebraska | $1,740 | $145 |
| Nevada | $2,412 | $201 |
| New Hampshire | $1,428 | $119 |
| New Jersey | $2,442 | $204 |
| New Mexico | $1,714 | $143 |
| New York | $2,340 | $195 |
| North Carolina | $1,346 | $112 |
| North Dakota | $1,724 | $144 |
| Ohio | $1,480 | $123 |
| Oklahoma | $2,238 | $187 |
| Oregon | $1,922 | $160 |
| Pennsylvania | $1,970 | $164 |
| Rhode Island | $2,494 | $208 |
| South Carolina | $1,744 | $145 |
| South Dakota | $2,098 | $175 |
| Tennessee | $1,954 | $163 |
| Texas | $1,914 | $160 |
| Utah | $1,814 | $151 |
| Vermont | $1,536 | $128 |
| Virginia | $1,418 | $118 |
| Washington | $1,864 | $155 |
| West Virginia | $1,846 | $154 |
| Wisconsin | $1,514 | $126 |
| Wyoming | $1,836 | $153 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
Additional Rates and Observations
Other rate information pertaining to policy discounts, deductibles, and even savings tips can be found below.
- Increasing deductibles makes car insurance cheaper. Boosting your deductibles from $500 to $1,000 could save around $290 per year for a 40-year-old driver and $570 per year for a 20-year-old driver.
- Lowering deductibles results in a more expensive policy. Decreasing your policy deductibles from $500 to $250 could cost an additional $302 per year for a 40-year-old driver and $604 per year for a 20-year-old driver.
- Fewer violations mean cheaper insurance rates. If you want the cheapest 4Runner car insurance rates, it pays to avoid traffic citations. Just a few minor infractions on your driving record have the consequences of increasing policy cost as much as $554 per year.
- Improve your credit for cheaper 4Runner car insurance. In states that allow a policyholder’s credit rating to be used as a factor in determining insurance rates, drivers with high 800+ credit scores could possibly save as much as $320 per year versus a slightly lower credit rating between 670-739. Conversely, a mediocre credit rating could cost up to $371 more per year.
- Policy discounts save money. Discounts may be available if the insureds are homeowners, are claim-free, insure their home and car with the same company, are military or federal employees, or many other discounts which could save the average driver as much as $352 per year.
- High-risk drivers pay a lot more for insurance. For a 40-year-old driver, having enough accidents and violations to require a high-risk insurance policy can potentially increase rates by $2,532 or more per year.