Toyota 4Runner Insurance Cost for 2022

How much does Toyota 4Runner insurance cost? We break down insurance rates from the base SR/5 2WD model up to the TRD Pro and NightShade models to see how prices rank against the competition.

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How much does Toyota 4Runner insurance cost?

Toyota 4Runner insurance costs an average of $1,476 per year, or about $123 each month. With the average midsize SUV costing $1,532 a year to insure, the Toyota 4Runner costs right about the class average rate, ranking #11 out of 29 vehicles in the midsize SUV class for insurance affordability.

The following chart demonstrates how average 2022 Toyota 4Runner car insurance rates change based on the age of the rated driver and a range of policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Toyota 4Runner with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota 4Runner trim levels.Data last updated on April 14, 2022
Toyota 4Runner Insurance Cost Summary
Toyota 4Runner Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,480$207
$500$2,946$246
$250$3,436$286
30$1,000$1,302$109
$500$1,560$130
$250$1,830$153
40$1,000$1,240$103
$500$1,476$123
$250$1,722$144
50$1,000$1,134$95
$500$1,348$112
$250$1,568$131
60$1,000$1,114$93
$500$1,324$110
$250$1,542$129

What 4Runner model is cheapest to insure?

With Toyota 4Runner insurance rates ranging from $1,400 to $1,580 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 $1,430 per year. Anticipate paying at a bare minimum $117 per month for full coverage insurance.

The Toyota 4Runner models with the most expensive insurance rates are the TRD Pro 4WD and the Limited 4WD at $1,548 per year. Those models will cost an extra $180 per year over the least expensive SR5 2WD model.

The table below shows average car insurance cost for different policy terms for each trim level of 2022 Toyota 4Runner.

2022 Toyota 4Runner Insurance Cost by Trim Level
Toyota 4Runner Trim Level Annual Policy 6-month Policy Per Month
SR5 2WD$1,400$700$117
SR5 4WD$1,430$715$119
Trail Special Edition 2WD$1,430$715$119
TRD Sport 2WD$1,444$722$120
SR5 Premium 2WD$1,454$727$121
Trail Special Edition 4WD$1,458$729$122
TRD Off-Road 4WD$1,458$729$122
TRD Sport 4WD$1,472$736$123
SR5 Premium 4WD$1,476$738$123
TRD Off-Road Premium 4WD$1,494$747$125
Limited 2WD$1,530$765$128
Limited 4WD$1,548$774$129
TRD Pro 4WD$1,580$790$132

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota 4Runner, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Toyota 4Runner Insurance Cost by Trim Level

How does 4Runner insurance cost rank?

The Toyota 4Runner ranks #11 out of 29 total vehicles in the midsize SUV category. The 4Runner costs an estimated $1,476 per year to insure for full coverage and the class median average cost is $1,532 per year, a difference of $56 per year.

When compared directly to the most popular models in the midsize SUV category, insurance for a Toyota 4Runner costs $192 less per year than the Jeep Grand Cherokee, $48 less than the Toyota Highlander, $54 more than the Ford Explorer, and $204 less than the Jeep Cherokee.

The chart below shows how Toyota 4Runner car insurance rates compare against other vehicles in the top 10 best-selling midsize SUV list. Following the chart, a table shows rankings for all 29 vehicles in the segment plus the amount each differs from the 4Runner.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Toyota 4Runner, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota 4Runner trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Toyota 4Runner vs Top 10 Midsize SUVs Insurance Cost Comparison
Toyota 4Runner Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,218-$258
2Subaru Ascent$1,300-$176
3Ford Edge$1,364-$112
4Subaru Outback$1,388-$88
5Nissan Murano$1,406-$70
6Toyota Venza$1,414-$62
7Ford Explorer$1,422-$54
8Kia Sorento$1,432-$44
9Hyundai Palisade$1,452-$24
10Volkswagen Atlas$1,462-$14
11Toyota 4Runner$1,476--
12Volkswagen Atlas Cross Sport$1,514$38
13Mazda CX-9$1,518$42
14GMC Acadia$1,520$44
15Toyota Highlander$1,524$48
16Nissan Pathfinder$1,530$54
17Honda Pilot$1,534$58
18Mitsubishi Outlander Sport$1,538$62
19Buick Enclave$1,552$76
20Chevrolet Traverse$1,560$84
21Hyundai Santa Fe$1,578$102
22Kia Telluride$1,586$110
23Chevrolet Blazer$1,600$124
24Jeep Grand Cherokee$1,668$192
25Jeep Cherokee$1,680$204
26Mitsubishi Outlander PHEV$1,754$278
27Dodge Durango$1,772$296
28Tesla Model Y$1,792$316
29Rivian R1S$1,888$412

Toyota 4Runner full coverage insurance rates

The following table shows average full coverage insurance rates for a Toyota 4Runner for the 2013 to 2021 model years. Data includes average rates for drivers age 20 to 60.

Toyota 4Runner Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,946$1,560$1,476$1,348$1,324
2021$2,974$1,562$1,488$1,358$1,332
2020$2,924$1,532$1,460$1,334$1,308
2019$2,602$1,364$1,298$1,186$1,166
2018$2,518$1,320$1,258$1,150$1,130
2017$2,456$1,284$1,224$1,120$1,102
2016$2,442$1,282$1,222$1,118$1,098
2015$2,458$1,284$1,224$1,122$1,100
2014$2,304$1,204$1,150$1,054$1,036
2013$2,360$1,224$1,178$1,078$1,058

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Toyota 4Runner Insurance Rates by Model Year

How much is 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.

Toyota 4Runner Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Toyota 4Runner$1,140$524
2011 Toyota 4Runner$1,106$520
2010 Toyota 4Runner$1,058$516
2009 Toyota 4Runner$1,016$512
2008 Toyota 4Runner$974$508
2007 Toyota 4Runner$928$500
2006 Toyota 4Runner$886$490
2005 Toyota 4Runner$874$486
2004 Toyota 4Runner$858$482
2003 Toyota 4Runner$830$478
2002 Toyota 4Runner$810$474
2001 Toyota 4Runner$794$465
2000 Toyota 4Runner$778$455

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Toyota 4Runner model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Toyota 4Runner Liability Insurance Rates

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.

How much does where I live impact the cost of insurance?

Depending on your zip code, the cost of insurance for a 4Runner varies significantly, from cheaper rates like $928 a year in Raleigh, NC, or $1,064 in Charlotte, NC, to expensive rates such as $5,816 a year in Detroit, MI, and $2,804 in New York City.

The cost of insuring your 4Runner in some other cities include Nashville, TN, at $1,512 per year, San Jose, CA, at an estimated $1,758, Jacksonville, FL, at $2,108, and Boston, MA, costing $1,666.

The following chart illustrates average Toyota 4Runner insurance cost in 15 large metro areas in the U.S. In addition to the chart, a larger table is included breaking down insurance cost in 35 other cities.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Toyota 4Runner, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Toyota 4Runner trim levels.Data last updated on March 24, 2022
Toyota 4Runner Insurance Rates in Large U.S. Cities
Toyota 4Runner Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,816$485
New Orleans, LA$3,478$290
Miami, FL$2,872$239
New York, NY$2,804$234
Philadelphia, PA$2,474$206
Las Vegas, NV$2,470$206
Los Angeles, CA$2,464$205
Louisville, KY$2,362$197
San Francisco, CA$2,118$177
Jacksonville, FL$2,108$176
Oakland, CA$2,102$175
Sacramento, CA$1,990$166
Baltimore, MD$1,948$162
Long Beach, CA$1,928$161
Tulsa, OK$1,886$157
Kansas City, MO$1,874$156
Oklahoma City, OK$1,874$156
Denver, CO$1,834$153
Memphis, TN$1,834$153
Atlanta, GA$1,808$151
Colorado Springs, CO$1,792$149
Fresno, CA$1,768$147
San Jose, CA$1,758$147
Phoenix, AZ$1,706$142
Portland, OR$1,682$140
San Diego, CA$1,672$139
Boston, MA$1,666$139
Wichita, KS$1,622$135
Chicago, IL$1,614$135
Dallas, TX$1,584$132
Houston, TX$1,578$132
Seattle, WA$1,572$131
Minneapolis, MN$1,562$130
Birmingham, AL$1,554$130
Nashville, TN$1,512$126
Milwaukee, WI$1,502$125
Mesa, AZ$1,496$125
Indianapolis, IN$1,496$125
Albuquerque, NM$1,472$123
Tucson, AZ$1,440$120
San Antonio, TX$1,422$119
Omaha, NE$1,378$115
Fort Worth, TX$1,370$114
El Paso, TX$1,368$114
Austin, TX$1,352$113
Cleveland, OH$1,178$98
Columbus, OH$1,116$93
Charlotte, NC$1,064$89
Virginia Beach, VA$998$83
Raleigh, NC$928$77

What does 4Runner insurance cost in my state?

States like Virginia ($956), Iowa ($1,076), and North Carolina ($946) have better insurance rates, while states like Michigan ($2,366), Louisiana ($2,152), and Rhode Island ($1,750) tend to have higher 4Runner insurance rates.

Car insurance rates in most states are closer to average, with states like Maryland, Texas, and Alabama included in this group with average Toyota 4Runner insurance rates of $1,340, $1,400, and $1,212 per year, respectively.

Toyota 4Runner Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,212$606$101
Alaska$1,302$651$109
Arizona$1,324$662$110
Arkansas$1,590$795$133
California$1,702$851$142
Colorado$1,584$792$132
Connecticut$1,440$720$120
Delaware$1,510$755$126
Florida$2,172$1,086$181
Georgia$1,436$718$120
Hawaii$1,006$503$84
Idaho$1,172$586$98
Illinois$1,200$600$100
Indiana$1,110$555$93
Iowa$1,076$538$90
Kansas$1,494$747$125
Kentucky$1,728$864$144
Louisiana$2,152$1,076$179
Maine$1,028$514$86
Maryland$1,340$670$112
Massachusetts$1,218$609$102
Michigan$2,366$1,183$197
Minnesota$1,306$653$109
Mississippi$1,404$702$117
Missouri$1,576$788$131
Montana$1,444$722$120
Nebraska$1,418$709$118
Nevada$1,630$815$136
New Hampshire$896$448$75
New Jersey$1,404$702$117
New Mexico$1,192$596$99
New York$1,580$790$132
North Carolina$946$473$79
North Dakota$1,232$616$103
Ohio$862$431$72
Oklahoma$1,444$722$120
Oregon$1,244$622$104
Pennsylvania$1,250$625$104
Rhode Island$1,750$875$146
South Carolina$1,368$684$114
South Dakota$1,346$673$112
Tennessee$1,172$586$98
Texas$1,400$700$117
Utah$1,228$614$102
Vermont$986$493$82
Virginia$956$478$80
Washington$1,128$564$94
West Virginia$1,336$668$111
Wisconsin$1,006$503$84
Wyoming$1,364$682$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota 4Runner, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota 4Runner trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on March 24, 2022
Toyota 4Runner insurance rates by U.S. state

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 $236 per year for a 40-year-old driver and $466 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 $246 per year for a 40-year-old driver and $490 per year for a 20-year-old driver.
  • Fewer violations means cheaper insurance cost. 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 $386 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 $232 per year versus a slightly lower credit rating between 670-739. Conversely, a mediocre credit rating could cost up to $269 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 $250 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 $1,782 or more per year.