- The average Toyota bz4X insurance cost is $1,890 per year, or $158 per month for full coverage.
- Ranked 39th out of 47 vehicles in the small SUV segment, average car insurance rates for the Toyota bz4X cost $145 more per year than the segment average.
- Drivers can find the cheapest insurance on the XLE trim level at $1,820 per year.
- The bz4X Limited AWD has the highest rates at $1,936 per year.
How much does Toyota bz4X insurance cost?
Ranked 39th out of 47 vehicles in the small SUV class, Toyota bz4X insurance averages around $1,890 yearly, or $158 if paid each month. With the average small SUV costing $1,745 a year to insure, the Toyota bz4X costs $145 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.
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| XLE | $1,820 | $152 |
| XLE AWD | $1,890 | $158 |
| Limited | $1,912 | $159 |
| Limited AWD | $1,936 | $161 |
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 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 $316 per year for a 40-year-old driver and $616 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 $57 and $185 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 $2,206 or more per year.
- Don’t be a negligent driver. Too many at-fault accidents can cost more, potentially as much as $2,688 per year for a 20-year-old driver and even $450 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 $318 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 $142 more per year than the Toyota RAV4, $272 more than the Honda CR-V, and $144 more than the Chevrolet Equinox.
The Toyota bz4X ranks 39th out of 47 total comparison vehicles in the small SUV segment for most affordable auto insurance rates. The bz4X costs an average of $1,890 per year to insure, while the category median cost is $1,745 per year, a difference of $145 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).
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,402 | -$488 |
| 2 | Chevrolet Trailblazer | $1,424 | -$466 |
| 3 | Kia Soul | $1,482 | -$408 |
| 4 | Nissan Kicks | $1,494 | -$396 |
| 5 | Buick Envision | $1,520 | -$370 |
| 6 | Toyota Corolla Cross | $1,530 | -$360 |
| 7 | Hyundai Venue | $1,540 | -$350 |
| 8 | Mazda CX-5 | $1,548 | -$342 |
| 9 | Ford Bronco Sport | $1,554 | -$336 |
| 10 | Volkswagen Tiguan | $1,570 | -$320 |
| 11 | Buick Encore | $1,612 | -$278 |
| 12 | Honda CR-V | $1,618 | -$272 |
| 13 | Volkswagen Taos | $1,624 | -$266 |
| 14 | Kia Niro | $1,626 | -$264 |
| 15 | Honda HR-V | $1,650 | -$240 |
| 16 | Subaru Forester | $1,692 | -$198 |
| 17 | Kia Seltos | $1,694 | -$196 |
| 18 | GMC Terrain | $1,698 | -$192 |
| 19 | Nissan Rogue | $1,704 | -$186 |
| 20 | Hyundai Kona | $1,706 | -$184 |
| 21 | Mazda CX-30 | $1,710 | -$180 |
| 22 | Volkswagen ID4 | $1,720 | -$170 |
| 23 | Ford Escape | $1,730 | -$160 |
| 24 | Chevrolet Equinox | $1,746 | -$144 |
| 25 | Toyota RAV4 | $1,748 | -$142 |
| 26 | Mazda MX-30 | $1,760 | -$130 |
| 27 | Hyundai Tucson | $1,764 | -$126 |
| 28 | Chevrolet Trax | $1,794 | -$96 |
| 29 | Mini Cooper Clubman | $1,798 | -$92 |
| 30 | Mini Cooper | $1,800 | -$90 |
| 31 | Mitsubishi Eclipse Cross | $1,820 | -$70 |
| 32 | Jeep Renegade | $1,824 | -$66 |
| 33 | Mitsubishi Outlander | $1,848 | -$42 |
| 34 | Nissan Ariya | $1,856 | -$34 |
| 35 | Kia Sportage | $1,858 | -$32 |
| 36 | Hyundai Ioniq 5 | $1,864 | -$26 |
| 37 | Fiat 500X | $1,870 | -$20 |
| 38 | Mazda CX-50 | $1,884 | -$6 |
| 39 | Toyota bz4X | $1,890 | -- |
| 40 | Mini Cooper Countryman | $1,892 | $2 |
| 41 | Subaru Solterra | $1,898 | $8 |
| 42 | Mitsubishi Mirage | $1,900 | $10 |
| 43 | Kia EV6 | $1,958 | $68 |
| 44 | Dodge Hornet | $2,018 | $128 |
| 45 | Jeep Compass | $2,054 | $164 |
| 46 | Hyundai Nexo | $2,094 | $204 |
| 47 | Ford Mustang Mach-E | $2,220 | $330 |
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
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 $26 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 $170 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 $8 less 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 $370 more each year.