Toyota bz4X Car Insurance Costs: 2025 Edition

How affordable are insurance rates for a Toyota bz4X?

We evaluated average policy premiums for the XLE model up to the Limited AWD trim level to find out how bz4X insurance measures up to similar small SUVs.

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  • The average Toyota bz4X insurance cost is $2,330 per year, or $194 per month for full coverage.
  • Ranked 41st out of 47 vehicles in the small SUV segment, average car insurance rates for the Toyota bz4X cost $176 more per year than the segment average.
  • Drivers can find the cheapest insurance on the XLE trim level at $2,244 per year.
  • The bz4X Limited AWD has the highest rates at $2,392 per year.

How much does Toyota bz4X insurance cost?

Ranked 41st out of 47 vehicles in the small SUV class, Toyota bz4X insurance averages around $2,330 yearly, or $194 if paid each month. With the average small SUV costing $2,154 a year to insure, the Toyota bz4X costs $176 more per year to insure.

The next price chart breaks down average insurance cost on a 2024 bz4X using variations of driver age and risk profiles.

Average 2024 Toyota bz4X insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Toyota bz4X insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Toyota bz4X with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota bz4X trim levels.

2024 Toyota bz4X Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,356$446
Safe Driver Age 20$4,694$391
At-fault Accidents Age 40$3,290$274
Low Deductibles Age 40$3,088$257
Safe Driver Age 30$2,492$208
Safe Driver Age 40$2,330$194
Safe Driver Age 50$2,060$172
High Deductibles Age 40$1,944$162
Discount Rate Age 40$1,938$162
Safe Driver Age 60$1,932$161

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota bz4X trim levels. Updated June 27, 2025

In addition to driver age and risk, the trim level makes a difference in the price of car insurance. Higher cost models with more expensive options tend to also have higher cost insurance prices.

The next table shows average insurance rates for the trim levels available on the 2024 Toyota bz4X.

2024 Toyota bz4X Insurance Rates by Trim Level
2024 Toyota bz4X Trim Level Annual Premium Cost Per Month
XLE$2,244$187
XLE AWD$2,332$194
Limited$2,360$197
Limited AWD$2,392$199

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 June 27, 2025

Insurance cost by trim level for a 2024 Toyota bz4X ranging from the XLE model at $2,244 per year to the Limited AWD model at $2,392
Insurance cost by trim level for a 2024 Toyota bz4X ranging from the XLE model at $2,244 per year to the Limited AWD model at $2,392

How to make sure you’re not overpaying for car insurance

Proactive drivers can make choices that directly affect the price they pay for their auto insurance policy. The list below outlines some of the steps you can take to make sure your insurance rates don’t get out of control.

  • Car insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $386 per year for a 40-year-old driver and $762 per year for a 20-year-old driver.
  • Get cheaper rates because of your employer. Some car insurance companies offer policy discounts for specific professions like high school and elementary teachers, college professors, emergency medical technicians, nurses, doctors, architects, and others. Qualifying for this discount could potentially save between $70 and $228 on your annual insurance cost, depending on your policy.
  • High-risk auto insurance costs more. For a 50-year-old driver, having enough accidents and violations to require a high-risk insurance policy increases the cost by $2,724 or more per year.
  • Don’t be a negligent driver. Too many at-fault accidents can cost more, potentially as much as $3,322 per year for a 20-year-old driver and even $552 per year for a 60-year-old driver.
  • Research policy discounts to save money. Discounts may be available if the insureds belong to certain professional organizations, drive a vehicle with safety or anti-theft features, choose electronic billing, insure multiple vehicles on the same policy, or many other policy discounts which could save the average driver as much as $392 per year on their insurance cost.

Toyota bz4X insurance vs. other compact SUVs

When compared to other small SUV models, car insurance prices for a 2024 Toyota bz4X cost $168 more per year than the Toyota RAV4, $334 more than the Honda CR-V, and $172 more than the Chevrolet Equinox.

The Toyota bz4X ranks 41st out of 47 total comparison vehicles in the small SUV segment for most affordable auto insurance rates. The bz4X costs an average of $2,330 per year to insure, while the category median cost is $2,154 per year, a difference of $176 more per year.

The following table shows how car insurance rates for a bz4X compare to the rest of the models in the 2024 compact SUV segment (luxury models not included).

Insurance Cost Comparison: Toyota bz4X vs Small SUVs
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$600
2Chevrolet Trailblazer$1,760-$570
3Kia Soul$1,826-$504
4Nissan Kicks$1,844-$486
5Buick Envision$1,878-$452
6Toyota Corolla Cross$1,888-$442
7Hyundai Venue$1,902-$428
8Mazda CX-5$1,910-$420
9Ford Bronco Sport$1,918-$412
10Volkswagen Tiguan$1,938-$392
11Buick Encore$1,988-$342
12Honda CR-V$1,996-$334
13Volkswagen Taos$2,008-$322
14Kia Niro$2,014-$316
15Honda HR-V$2,040-$290
16Subaru Forester$2,084-$246
17Kia Seltos$2,094-$236
18GMC Terrain$2,096-$234
19Nissan Rogue$2,106-$224
20Hyundai Kona$2,110-$220
21Mazda CX-30$2,114-$216
22Volkswagen ID4$2,124-$206
23Ford Escape$2,138-$192
24Chevrolet Equinox$2,158-$172
25Toyota RAV4$2,162-$168
26Mazda MX-30$2,172-$158
27Hyundai Tucson$2,176-$154
28Chevrolet Trax$2,210-$120
29Mini Cooper Clubman$2,220-$110
30Mini Cooper$2,226-$104
31Mitsubishi Eclipse Cross$2,246-$84
32Jeep Renegade$2,252-$78
33Mitsubishi Outlander$2,280-$50
34Kia Sportage$2,294-$36
35Hyundai Ioniq 5$2,302-$28
36Nissan Ariya$2,304-$26
37Fiat 500X$2,310-$20
38Mini Cooper Countryman$2,318-$12
39Subaru Solterra$2,320-$10
40Mazda CX-50$2,326-$4
41Toyota bz4X$2,330--
42Mitsubishi Mirage$2,342$12
43Kia EV6$2,416$86
44Dodge Hornet$2,492$162
45Jeep Compass$2,536$206
46Hyundai Nexo$2,584$254
47Ford Mustang Mach-E$2,742$412

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 June 26, 2025

At $2,330 per year, insurance cost for a 2024 Toyota bz4X ranks 41st out of 47 models in the small SUV segment
At $2,330 per year, insurance cost for a 2024 Toyota bz4X ranks 41st out of 47 models in the small SUV segment

When average purchase price for each vehicle in the small SUV segment is factored in, we can discover how insurance cost compares between the bz4X and models with similar MSRP. A 2024 model year bz4X has an average purchase price of $45,708, before destination and documentation fees.

The small SUV models that are closest in price to the bz4X for the 2024 model year are the Hyundai Ioniq 5, Volkswagen ID4, Subaru Solterra, and Buick Envision. The list below shows how they compare to a 2024 Toyota bz4X by price and average insurance policy cost.

  • Compared to the Hyundai Ioniq 5 – With an average sticker price of $46,988 and ranging from $41,650 to $53,350, the Hyundai Ioniq 5 costs $1,280 more than the average sticker price for the Toyota bz4X. Full-coverage insurance on the Hyundai Ioniq 5 costs an average of $28 less every 12 months than the Toyota bz4X.
  • Compared to the Volkswagen ID4 – The 2024 Toyota bz4X has an average MSRP that is $2,298 cheaper than the Volkswagen ID4 ($45,708 versus $48,006). Insuring a 2024 bz4X compared to the Volkswagen ID4 costs an average of $206 more every 12 months.
  • Compared to the Subaru Solterra – The average MSRP for a 2024 Toyota bz4X is $2,787 cheaper than the Subaru Solterra, at $45,708 compared to $48,495. The average insurance cost for a bz4X compared to the Subaru Solterra is $10 more every 12 months.
  • Compared to the Buick Envision – With an average MSRP of $41,457 and ranging from $34,795 to $48,855, the Buick Envision costs $4,251 less than the Toyota bz4X. The average insurance cost for a bz4X compared to the Buick Envision is $452 more each year.