Toyota 4Runner Insurance Cost for 2023

Is car insurance for a Toyota 4Runner affordable?

From the SR5 2WD trim level to the higher cost TRD Pro 4WD trim level, we compared insurance rates on a 2023 4Runner to look at how insurance prices measure up to other midsize SUVs.

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How much does Toyota 4Runner insurance cost?

Toyota 4Runner insurance costs an average of $1,654 per year, or about $138 each month. With the average midsize SUV costing $1,724 a year to insure, the Toyota 4Runner ranks 12th out of 31 vehicles in the midsize SUV class for insurance affordability.

The following chart demonstrates how average 2023 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 2023 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 January 23, 2023
Toyota 4Runner Insurance Cost Summary
2023 Toyota 4Runner Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,778$232
$500$3,298$275
$250$3,850$321
30$1,000$1,456$121
$500$1,746$146
$250$2,046$171
40$1,000$1,388$116
$500$1,654$138
$250$1,930$161
50$1,000$1,268$106
$500$1,508$126
$250$1,756$146
60$1,000$1,246$104
$500$1,480$123
$250$1,726$144

What 4Runner model is cheapest to insure?

With 2023 Toyota 4Runner insurance rates ranging from $1,568 to $1,760 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 $1,592 per year.

The Toyota 4Runner models with the most expensive insurance rates are the TRD Pro 4WD and the Limited 4WD at $1,716 per year. Those models will cost an extra $192 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 2023 Toyota 4Runner.

2023 Toyota 4Runner Insurance Cost by Trim Level
Toyota 4Runner Trim Level Annual Policy Six-Month Policy Per Month
SR5 2WD$1,568$784$131
SR5 4WD$1,592$796$133
TRD Sport 2WD$1,608$804$134
SR5 Premium 2WD$1,620$810$135
TRD Off-Road 4WD$1,632$816$136
SR5 Premium 4WD$1,638$819$137
TRD Sport 4WD$1,638$819$137
TRD Off-Road Premium 4WD$1,670$835$139
40th Anniversary Special Edition$1,684$842$140
Limited 2WD$1,704$852$142
Limited 4WD$1,716$858$143
TRD Pro 4WD$1,760$880$147

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
Toyota 4Runner Insurance Cost by Trim Level

How does Toyota 4Runner insurance cost rank?

The Toyota 4Runner ranks 12th out of 31 total vehicles in the midsize SUV category. A 2023 4Runner costs an estimated $1,654 per year to insure for full coverage and the class median average cost is $1,724 per year, a difference of $70 per year.

When compared directly to the most popular models in the midsize SUV category, insurance for a Toyota 4Runner costs $222 less per year than the Jeep Grand Cherokee, $108 less than the Toyota Highlander, $150 more than the Ford Explorer, and $260 less than the Jeep Cherokee.

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 31 vehicles in the segment plus the amount each differs in cost to insure from the 4Runner.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 January 23, 2023
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$1,368-$286
2Subaru Ascent$1,434-$220
3Ford Edge$1,494-$160
4Ford Explorer$1,504-$150
5Volkswagen Atlas$1,506-$148
6Nissan Murano$1,516-$138
7Subaru Outback$1,518-$136
8Volkswagen Atlas Cross Sport$1,576-$78
9Toyota Venza$1,608-$46
10Kia Sorento$1,618-$36
11Hyundai Palisade$1,638-$16
12Toyota 4Runner$1,654--
13GMC Acadia$1,682$28
14Chevrolet Traverse$1,684$30
15Honda Pilot$1,696$42
16Buick Enclave$1,702$48
17Nissan Pathfinder$1,712$58
18Mazda CX-9$1,720$66
19Mitsubishi Outlander Sport$1,744$90
20Kia Telluride$1,754$100
21Toyota Highlander$1,762$108
22Chevrolet Blazer$1,786$132
23Hyundai Santa Fe$1,810$156
24Jeep Grand Cherokee$1,876$222
25Jeep Cherokee$1,914$260
26Jeep Wrangler$1,952$298
27Ford Bronco$1,962$308
28Tesla Model Y$1,970$316
29Mitsubishi Outlander PHEV$2,018$364
30Dodge Durango$2,102$448
31Rivian R1S$2,160$506

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 2023 model years. Data includes average rates for drivers age 20 to 60.

Toyota 4Runner Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Toyota 4Runner$3,298$1,654$1,480
2022 Toyota 4Runner$3,224$1,614$1,446
2021 Toyota 4Runner$3,276$1,636$1,466
2020 Toyota 4Runner$3,238$1,614$1,448
2019 Toyota 4Runner$2,838$1,420$1,274
2018 Toyota 4Runner$2,750$1,372$1,234
2017 Toyota 4Runner$2,642$1,322$1,188
2016 Toyota 4Runner$2,644$1,326$1,190
2015 Toyota 4Runner$2,602$1,302$1,172
2014 Toyota 4Runner$2,468$1,236$1,112
2013 Toyota 4Runner$2,556$1,278$1,146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 January 23, 2023
Toyota 4Runner Insurance Rates by Model Year

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.

Toyota 4Runner Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Toyota 4Runner$1,236$582
2011 Toyota 4Runner$1,186$578
2010 Toyota 4Runner$1,140$574
2009 Toyota 4Runner$1,088$568
2008 Toyota 4Runner$1,038$558
2007 Toyota 4Runner$994$550
2006 Toyota 4Runner$978$544
2005 Toyota 4Runner$960$540
2004 Toyota 4Runner$930$536
2003 Toyota 4Runner$906$530
2002 Toyota 4Runner$888$519
2001 Toyota 4Runner$870$509
2000 Toyota 4Runner$853$499

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 January 23, 2023
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.

Toyota 4Runner insurance in your state

States like Virginia ($1,096), Iowa ($1,106), and North Carolina ($1,032) tend have better insurance rates, while states like Michigan ($2,256), Louisiana ($1,966), and Rhode Island ($2,048) 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 $1,544, $1,572, and $1,584 per year, respectively.

Toyota 4Runner Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,488$744$124
Alaska$1,250$625$104
Arizona$1,514$757$126
Arkansas$1,730$865$144
California$1,998$999$167
Colorado$1,772$886$148
Connecticut$1,840$920$153
Delaware$1,878$939$157
Florida$2,058$1,029$172
Georgia$1,688$844$141
Hawaii$1,126$563$94
Idaho$1,178$589$98
Illinois$1,446$723$121
Indiana$1,232$616$103
Iowa$1,106$553$92
Kansas$1,630$815$136
Kentucky$1,768$884$147
Louisiana$1,966$983$164
Maine$996$498$83
Maryland$1,536$768$128
Massachusetts$1,800$900$150
Michigan$2,256$1,128$188
Minnesota$1,416$708$118
Mississippi$1,612$806$134
Missouri$1,866$933$156
Montana$1,516$758$126
Nebraska$1,380$690$115
Nevada$1,976$988$165
New Hampshire$1,106$553$92
New Jersey$2,002$1,001$167
New Mexico$1,358$679$113
New York$1,914$957$160
North Carolina$1,032$516$86
North Dakota$1,368$684$114
Ohio$1,150$575$96
Oklahoma$1,824$912$152
Oregon$1,544$772$129
Pennsylvania$1,584$792$132
Rhode Island$2,048$1,024$171
South Carolina$1,386$693$116
South Dakota$1,698$849$142
Tennessee$1,572$786$131
Texas$1,532$766$128
Utah$1,444$722$120
Vermont$1,202$601$100
Virginia$1,096$548$91
Washington$1,492$746$124
West Virginia$1,472$736$123
Wisconsin$1,182$591$99
Wyoming$1,468$734$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
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 $266 per year for a 40-year-old driver and $520 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 $276 per year for a 40-year-old driver and $552 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 $434 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 $260 per year versus a slightly lower credit rating between 670-739. Conversely, a mediocre credit rating could cost up to $301 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 $282 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 $1,994 or more per year.