Best Toyota 4Runner Auto Insurance in 2024 (Find the Top 10 Companies Here)
Geico, State Farm, and Progressive offer the best Toyota 4Runner auto insurance, starting at $78/month. Geico leads with competitive rates and broad coverage, State Farm excels in customer service, and Progressive offers flexible policies. These top choices are ideal for the best Toyota 4Runner auto insurance.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
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UPDATED: Oct 25, 2024
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UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Full Coverage for Toyota 4Runner
A.M. Best Rating
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Pros & Cons
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17,760 reviewsCompany Facts
Full Coverage for Toyota 4Runner
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Full Coverage for Toyota 4Runner
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
The best Toyota 4Runner auto insurance providers are Geico, State Farm, and Progressive. These top picks offer competitive rates and comprehensive insurance coverage options tailored to the Toyota 4Runner.
Geico stands out for its affordability, State Farm excels in customer service, and Progressive provides excellent coverage flexibility.
Our Top 10 Company Picks: Best Toyota 4Runner Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A++ Competitive Rates Geico
#2 17% B Extensive Coverage State Farm
#3 10% A+ Innovative Programs Progressive
#4 12% A+ Drivewise Program Allstate
#5 12% A Accident Forgiveness Liberty Mutual
#6 10% A++ Military Families USAA
#7 8% A++ Financial Stability Travelers
#8 20% A+ Comprehensive Coverage Nationwide
#9 10% A Customer Service American Family
#10 15% A+ Dividend Policies Amica
Evaluating these top choices will help you secure the best balance of affordability, service, and coverage for your Toyota 4Runner.
You can start comparing quotes for Toyota 4Runner auto insurance rates from some of the best auto insurance companies by using our free online tool now.
- Geico offers the best Toyota 4Runner auto insurance with a $160/month rate
- Comprehensive coverage options for the Toyota 4Runner are available
- Discounts and tailored policies cater specifically to Toyota 4Runner owners
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#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico auto insurance review provides competitive rates, making it a top choice for best Toyota 4Runner auto insurance.
- High Financial Strength: With an A++ rating from A.M. Best, Geico ensures reliability and trustworthiness for best Toyota 4Runner auto insurance.
- Multi-Policy Discount: Geico offers a 15% multi-policy discount, helping you save more on the best Toyota 4Runner auto insurance.
Cons
- Limited Local Agents: Geico has fewer local agents, which might be a drawback for those seeking in-person assistance for best Toyota 4Runner auto insurance.
- Customer Service Variability: Customer service experiences can vary, which could impact your satisfaction with the best Toyota 4Runner auto insurance.
#2 – State Farm: Best for Extensive Coverage
Pros
- Extensive Coverage Options: State Farm offers a wide range of coverage options, ideal for best Toyota 4Runner auto insurance.
- Strong Customer Service: State Farm is known for its responsive customer service, which can be particularly beneficial for managing best Toyota 4Runner auto insurance needs.
- Flexible Payment Plans: State Farm offers flexible payment options, making it easier to manage expenses related to best Toyota 4Runner auto insurance. Learn more in our State Farm auto insurance review.
Cons
- Lower Financial Strength: With a B rating from A.M. Best, State Farm may be less financially robust compared to competitors for best Toyota 4Runner auto insurance.
- Premium Rates: State Farm’s premium rates can be higher, which may not suit budget-conscious drivers seeking the best Toyota 4Runner auto insurance.
#3 – Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Progressive’s innovative programs, like Snapshot, can lead to additional savings on the best Toyota 4Runner auto insurance.
- Customizable Coverage: Progressive provides customizable coverage options that can be tailored to fit your needs for the best Toyota 4Runner auto insurance.
- Multi-Policy Discount: Based on our Progressive auto insurance review, the company offers a 10% multi-policy discount, helping reduce costs on the best Toyota 4Runner auto insurance.
Cons
- Customer Service: Progressive’s customer service can be inconsistent, which might affect your experience with the best Toyota 4Runner auto insurance.
- Complex Policy Options: Progressive’s variety of policy options can be overwhelming, making it difficult to choose the best Toyota 4Runner auto insurance.
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#4 – Allstate: Best for Drivewise Program
Pros
- Drivewise Program: Allstate’s Drivewise program rewards safe driving, potentially lowering the cost of the best Toyota 4Runner auto insurance.
- Roadside Assistance: With Allstate’s roadside assistance, you get help when you need it, adding value to your best Toyota 4Runner auto insurance policy.
- Flexible Coverage Options: Allstate auto insurance review offers a range of coverage options, allowing for customizable policies that cater to individual needs for the best Toyota 4Runner auto insurance.
Cons
- Higher Premiums: Allstate’s premiums can be higher, which may not be ideal for those seeking affordable best Toyota 4Runner auto insurance.
- Customer Service Issues: Some customers report issues with Allstate’s customer service, which can impact your experience with the best Toyota 4Runner auto insurance.
#5 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual’s accident forgiveness program is beneficial for maintaining affordable rates on the best Toyota 4Runner auto insurance. Unlock details in our Liberty Mutual auto insurance review.
- Flexible Coverage Options: Liberty Mutual offers a range of customizable coverage options, allowing you to tailor the best Toyota 4Runner auto insurance to fit your specific needs.
- New Car Replacement: If your Toyota 4Runner is totaled within the first year, Liberty Mutual provides new car replacement, ensuring you receive a brand-new vehicle rather than a depreciated value.
Cons
- Higher Rates: Liberty Mutual’s rates can be higher, which may not suit budget-conscious drivers seeking the best Toyota 4Runner auto insurance.
- Customer Service: Some customers experience inconsistencies with Liberty Mutual’s customer service, impacting satisfaction with the best Toyota 4Runner auto insurance.
#6 – USAA: Best for Military Families
Pros
- Military Family Focus: USAA specializes in serving military families, providing excellent support for best Toyota 4Runner auto insurance.
- Comprehensive Coverage Options: USAA provides a wide range of coverage options, including specialized policies for the best Toyota 4Runner auto insurance.
- Excellent Claims Handling: Our USAA auto insurance review shows that the company is known for its efficient and fair claims handling, ensuring a smooth process for best Toyota 4Runner auto insurance claims.
Cons
- Eligibility Restrictions: USAA is only available to military families, limiting access for others seeking the best Toyota 4Runner auto insurance.
- Customer Service Wait Times: Some customers report long wait times for customer service, affecting the experience with the best Toyota 4Runner auto insurance.
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#7 – Travelers: Best for Financial Stability
Pros
- Financial Stability: Travelers’ A++ rating from A.M. Best highlights its financial stability, making it a secure choice for best Toyota 4Runner auto insurance. See more details on our Travelers auto insurance review.
- Multi-Policy Discount: Travelers offers an 8% multi-policy discount, helping save on the best Toyota 4Runner auto insurance.
- Extensive Coverage Options: Travelers provides a variety of coverage options, suitable for best Toyota 4Runner auto insurance.
Cons
- Lower Discounts: Travelers’ multi-policy discount is lower compared to competitors, which may impact savings on the best Toyota 4Runner auto insurance.
- Customer Service: Travelers’ customer service can be inconsistent, potentially affecting your experience with the best Toyota 4Runner auto insurance.
#8 – Nationwide: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: As per our Nationwide auto insurance review, the company offers comprehensive coverage options, ideal for best Toyota 4Runner auto insurance.
- Flexible Deductibles: Nationwide provides flexible deductible options, allowing you to customize your coverage to fit your budget for the best Toyota 4Runner auto insurance.
- Accident Forgiveness: Nationwide’s accident forgiveness program can help maintain your rates even after a minor accident, which is beneficial for the best Toyota 4Runner auto insurance.
Cons
- Premium Costs: Nationwide’s premiums can be higher, which may not suit budget-conscious drivers seeking the best Toyota 4Runner auto insurance.
- Customer Service: Some customers report issues with Nationwide’s customer service, impacting satisfaction with the best Toyota 4Runner auto insurance.
#9 – American Family: Best for Customer Service
Pros
- Customer Service: American Family is known for its excellent customer service, making it a top choice for best Toyota 4Runner auto insurance.
- High Financial Strength: With an A rating from A.M. Best, American Family is a reliable option for best Toyota 4Runner auto insurance.
- Multi-Policy Discount: American Family offers a 10% multi-policy discount, helping reduce costs for the best Toyota 4Runner auto insurance. Delve into our evaluation of American Family auto insurance review.
Cons
- Availability: American Family’s coverage may not be available in all states, limiting access for best Toyota 4Runner auto insurance.
- Higher Rates: American Family’s premiums can be higher, which may not suit those seeking affordable best Toyota 4Runner auto insurance
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#10 – Amica: Best for Dividend Policies
Pros
- Dividend Policies: Amica auto insurance review offers dividend policies, potentially returning some of the premium cost, making it beneficial for best Toyota 4Runner auto insurance.
- Strong Customer Satisfaction: Amica is known for high customer satisfaction, enhancing your overall experience with the best Toyota 4Runner auto insurance.
- Flexible Coverage Options: Amica provides a range of customizable coverage options, allowing you to tailor your policy to meet the needs of the best Toyota 4Runner auto insurance.
Cons
- Higher Premiums: Amica’s premiums can be higher, which may not suit budget-conscious drivers seeking the best Toyota 4Runner auto insurance.
- Limited Local Agents: Amica has fewer local agents, which might be a drawback for those seeking in-person assistance for best Toyota 4Runner auto insurance.
Toyota 4Runner Insurance Cost
Insuring a Toyota 4Runner generally costs about $111 per month. This monthly rate reflects the average cost of $1,332 annually, though actual costs can differ based on your coverage level and the insurance provider you select. Here’s a breakdown of monthly insurance rates for the Toyota 4Runner, categorized by minimum and full coverage from various insurance providers:
Toyota 4Runner Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $88 | $170 |
| American Family | $95 | $185 |
| Amica | $81 | $157 |
| Geico | $80 | $160 |
| Liberty Mutual | $90 | $175 |
| Nationwide | $87 | $168 |
| Progressive | $82 | $155 |
| State Farm | $85 | $165 |
| Travelers | $84 | $160 |
| USAA | $78 | $150 |
The table compares monthly auto insurance rates for a Toyota 4Runner by provider and coverage level. USAA offers the lowest rates, with $78 for minimum coverage and $150 for full coverage. American Family has the highest rates, at $95 for minimum and $185 for full coverage. Rates from other providers range from $80 to $95 for minimum coverage and $150 to $175 for full coverage.
Unlock details in our guide titled “What are the recommended auto insurance coverage levels?”
Toyota 4Runner Auto Insurance Monthly Rates by Coverage Type
| Category | Rates |
|---|---|
| Average Rate | $111 |
| Discount Rate | $65 |
| High Deductibles | $96 |
| High Risk Driver | $199 |
| Low Deductibles | $96 |
| Teen Driver | $406 |
The monthly auto insurance rates for a Toyota 4Runner vary based on insurance coverage types and driver profiles. On average, the insurance cost is $111 per month. However, with applicable discounts, the rate can be reduced to $65.
For those opting for high deductibles, the monthly rate is $96, which is the same as for low deductibles. In contrast, high-risk drivers face a significantly higher insurance rate of $199 per month. Insurance for teen drivers is the most costly, reaching $406 per month.
Are Toyota 4Runners Expensive to Insure
The chart below details how Toyota 4Runner insurance rates compare to other SUVs like the Audi Q7, Honda Passport, and Jeep Wrangler.
Toyota 4Runner Auto Insurance Monthly Rates vs. Other Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| Toyota 4Runner | $29 | $44 | $26 | $111 |
| Audi Q7 | $33 | $60 | $33 | $139 |
| Honda Passport | $30 | $55 | $26 | $123 |
| Jeep Wrangler | $23 | $31 | $35 | $105 |
| Mazda CX-9 | $28 | $45 | $33 | $119 |
| Chevrolet Tahoe | $28 | $44 | $31 | $117 |
| Lexus LX 570 | $37 | $70 | $33 | $153 |
Examining these models highlights the variability in insurance costs, even among similar vehicles. For the Toyota 4Runner, the best auto insurance rates are $29 for comprehensive coverage and $44 for collision coverage. In comparison, the Audi Q7 has higher rates of $33 and $60, respectively, while the Jeep Wrangler offers lower rates at $23 for comprehensive and $31 for collision.
The Toyota 4Runner’s minimum coverage is competitively priced at $26, similar to the Honda Passport. When it comes to full coverage, the 4Runner’s $111 monthly rate is moderate compared to the $139 for the Audi Q7 and $105 for the Jeep Wrangler. To broaden your understanding, explore our comprehensive resource on insurance coverage titled “Auto Insurance by Vehicle.”
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Factors Affecting the Cost of Toyota 4Runner Insurance
The cost of insuring a Toyota 4Runner is influenced by several factors. Your age and driving experience impact rates, with younger drivers and those with less experience typically paying more. Location plays a role, as urban areas often have higher premiums due to traffic and theft risks. Driving record is crucial; a history of accidents or violations can increase costs.
Geico offers some of the best rates and comprehensive coverage for the Toyota 4Runner, making it a top choice for budget-conscious drivers.Dani Best Licensed Insurance Producer
The model year and value of the vehicle affect premiums, with newer and more valuable models usually costing more to insure. Your coverage options, such as choosing higher deductibles or additional coverage, also affect rates. Safety features in your vehicle may qualify you for discounts, and annual mileage can influence costs, with higher mileage leading to higher premiums.
Additionally, a good credit score can help lower your rates, and comparing quotes from different insurance providers can help you find the best deal. Utilizing discounts for safe driving or bundling insurance policies can further reduce costs.
Age of the Vehicle
The cost of auto insurance for the Toyota 4Runner generally decreases as the vehicle ages. For instance, insuring a 2020 Toyota 4Runner averages $1,332 annually, whereas the insurance for a 2010 Toyota 4Runner averages $1,064. This reflects a significant drop of $268.
Toyota 4Runner Auto Insurance Monthly Rates by Model Year & Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2020 Toyota 4Runner | $348 | $532 | $316 | $1,332 |
| 2019 Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| 2018 Toyota 4Runner | $320 | $506 | $338 | $1,300 |
| 2017 Toyota 4Runner | $308 | $494 | $354 | $1,292 |
| 2016 Toyota 4Runner | $298 | $474 | $364 | $1,272 |
| 2015 Toyota 4Runner | $282 | $458 | $376 | $1,252 |
| 2014 Toyota 4Runner | $270 | $424 | $384 | $1,214 |
| 2013 Toyota 4Runner | $260 | $400 | $388 | $1,184 |
| 2012 Toyota 4Runner | $248 | $358 | $390 | $1,132 |
| 2011 Toyota 4Runner | $232 | $330 | $390 | $1,088 |
| 2010 Toyota 4Runner | $224 | $310 | $394 | $1,064 |
The monthly insurance rates vary depending on the vehicle’s age and coverage type. For a 2020 Toyota 4Runner, comprehensive coverage costs about $348, collision coverage is $532, minimum coverage is $316, and full coverage totals $1,332 per year. As the vehicle ages, these rates decrease. For example, a 2019 Toyota 4Runner sees comprehensive coverage at $332, collision at $512, and full coverage at $1,312.
Similarly, the 2018 model’s comprehensive coverage is $320, collision is $506, and full coverage is $1,300. The trend continues with lower rates for older models, with a 2010 Toyota 4Runner having comprehensive coverage at $224, collision at $310, and full coverage at $1,064 annually.
Driver Age
Driver age can have a significant effect on the cost of Toyota 4Runner auto insurance. For example, a 20-year-old driver could pay around $136 more each month for their Toyota 4Runner auto insurance than a 30-year-old driver.
Toyota 4Runner Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $610 |
| Age: 18 | $406 |
| Age: 20 | $252 |
| Age: 30 | $116 |
| Age: 40 | $111 |
| Age: 45 | $107 |
| Age: 50 | $101 |
| Age: 60 | $99 |
Driver age has a considerable effect on Toyota 4Runner insurance costs, with younger drivers typically facing much higher premiums. For instance, a 16-year-old pays $610 per month, while the rate decreases significantly for older drivers, reaching as low as $99 for those aged 60. Understanding these age-related variations can help you manage your insurance expenses more effectively based on your age group.
Driver Location
Where you live can have a large impact on Toyota 4Runner insurance rates. For example, drivers in New York may pay $813 a year more than drivers in Seattle.
Toyota 4Runner Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Los Angeles, CA | $190 |
| New York, NY | $175 |
| Houston, TX | $174 |
| Jacksonville, FL | $161 |
| Philadelphia, PA | $149 |
| Chicago, IL | $147 |
| Phoenix, AZ | $129 |
| Seattle, WA | $108 |
| Indianapolis, IN | $94 |
| Columbus, OH | $92 |
Your location can significantly impact the cost of insuring a Toyota 4Runner, with cities like Los Angeles and New York commanding higher premiums compared to more affordable places like Columbus and Indianapolis. Rates can vary widely depending on your city’s risk factors and cost of living, so comparing insurance costs across different locations can help you find the most economical coverage for your Toyota 4Runner based on where you live.
Your Driving Record
Your driving record can have an impact on the cost of Toyota 4Runner auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota 4Runner auto insurance rates with violations on their driving record.
Toyota 4Runner Auto Insurance Monthly Rates by Age & Driving Record
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 16 | $610 | $800 | $1,050.00 | $750 |
| Age: 18 | $406 | $580 | $800.00 | $500 |
| Age: 20 | $252 | $390 | $620.00 | $330 |
| Age: 30 | $116 | $180 | $300.00 | $160 |
| Age: 40 | $111 | $170 | $290.00 | $155 |
| Age: 45 | $107 | $165 | $280.00 | $150 |
| Age: 50 | $101 | $155 | $270.00 | $145 |
| Age: 60 | $99 | $150 | $260 | $140 |
The table of Toyota 4Runner auto insurance rates is like a dynamic storyline of how age and driving history intertwine. For young drivers, starting at age 16, insurance rates paint a picture of high stakes, with costs significantly impacted by even minor infractions. As the years roll on, the narrative softens, with mature drivers enjoying more favorable rates.
This illustrates a journey where age and a clean driving history steadily lead to more affordable premiums, highlighting the value of experience and responsible driving over time. Each age group adds a new chapter to the story, with driving history adding twists and turns that shape the overall plot of insurance costs.
Toyota 4Runner Safety Ratings
Your Toyota 4Runner auto insurance rates are tied to the Toyota 4Runner’s safety ratings. See the breakdown below:
Toyota 4Runner Safety Ratings
| Type | Rating |
|---|---|
| Small overlap front: driver-side | Marginal |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
The Toyota 4Runner’s safety ratings show a generally strong performance. It earns a Good rating in small overlap front (passenger side), moderate overlap front, side impact, roof strength, and head restraints. However, it receives a Marginal rating for the small overlap front (driver-side), indicating some room for improvement in that area.
Toyota 4Runner Crash Test Ratings
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2024 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2023 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2023 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2022 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2022 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2021 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2021 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV AWD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Toyota 4Runner SUV 2WD | 4 stars | 4 stars | 5 stars | 3 stars |
Across its 2020 to 2024 models, the Toyota 4Runner maintains impressive safety scores. Each variant, whether AWD or 2WD, achieves a solid 4-star overall rating. The SUV excels in side impacts with a top 5-star rating, while frontal collisions receive a reliable 4 stars. Its rollover rating stands at 3 stars, suggesting some room for enhancement. Overall, the 4Runner offers robust safety performance.
Toyota 4Runner Safety Features
Evaluating car insurance for a Toyota 4Runner involves considering its safety features, which are crucial in determining insurance costs. The Toyota 4Runner boasts a range of advanced safety technologies designed to protect both drivers and passengers. According to AutoBlog, these features can enhance road safety and may help reduce insurance premiums.
The vehicle includes driver and passenger airbags, front and rear head airbags, front side airbags, 4-wheel ABS, 4-wheel disc brakes, brake assist, and electronic stability control. It also features daytime running lights, child safety locks, front tow hooks, traction control, and lane departure warning.
With its robust safety features, the Toyota 4Runner not only offers strong occupant protection but may also positively impact insurance rates. Choosing this vehicle can enhance safety and potentially lower insurance costs.
Toyota 4Runner Insurance Loss Probability
Another contributing factor that plays a direct role in Toyota 4Runner insurance rates is the loss probability for each type of coverage.
Toyota 4Runner Auto Insurance Loss Probability by Coverage Type
| Coverage | Loss |
|---|---|
| Collision | -25% |
| Property Damage | -8% |
| Comprehensive | -17% |
| Personal Injury | -24% |
| Medical Payment | -34% |
| Bodily Injury | -25% |
The varying loss probabilities for different insurance coverage types can significantly impact the cost of insuring your Toyota 4Runner. Each type of coverage—whether it’s Collision, Property Damage, Comprehensive, or Medical Payment—affects the overall risk profile in unique ways.
Understanding these differences can help you make more informed decisions about your insurance options and potentially reduce your premiums.
For Toyota 4Runner owners, discounts vary by provider. Savings are available for multi-car policies, homeowners, safe drivers, and hybrid vehicles. Other discounts include benefits for good students, military personnel, and those who pay in full. There are also rewards for early renewal, accident-free records, vehicle safety features, and claim-free statuses.
5 Ways to Save on Toyota 4Runner Insurance
Owning a Toyota 4Runner is a rewarding experience, but finding affordable insurance can sometimes be a challenge. Fortunately, there are several strategies you can employ to reduce your insurance premiums. Here are five comprehensive ways to save on your Toyota 4Runner auto insurance rates.
- Understand that insurance companies can’t change your Toyota 4Runner auto insurance rate mid-term based on changes to your credit score.
- Be picky about who drives your Toyota 4Runner.
- Take advantage of referral fees.
- Ask about Toyota 4Runner discounts if you were listed on someone else’s policy.
- Compare Toyota 4Runner insurance rates online.
Saving on Toyota 4Runner insurance doesn’t have to be complicated. By understanding policy terms, being selective about drivers, taking advantage of referral and loyalty insurance discounts, and regularly comparing rates, you can find the most affordable insurance options available. Implement these strategies to enjoy lower premiums and more financial flexibility while driving your Toyota 4Runner.
Top Toyota 4Runner Insurance Companies
Finding the best auto insurance for your Toyota 4Runner involves seeking providers that offer competitive rates, attractive discounts, and take into account the vehicle’s safety features. The following list showcases the top auto insurance companies with significant market share, providing excellent coverage options for the Toyota 4Runner.
Top 10 Toyota 4Runner Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9% |
| #2 | Geico | $46,358,896 | 6% |
| #3 | Progressive | $41,737,283 | 6% |
| #4 | Allstate | $39,210,020 | 5% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3% |
| #8 | Chubb | $24,199,582 | 3% |
| #9 | Farmers | $20,083,339 | 3% |
| #10 | Nationwide | $18,499,967 | 3% |
Each of these top insurers brings their own strengths to the table, ensuring that whether you prioritize savings, coverage, or customer service, there’s a perfect fit for your Toyota 4Runner. By exploring these options, you can confidently choose a policy that not only meets your needs but also enhances your driving experience, keeping you protected no matter where the road takes you.
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Compare Free Toyota 4Runner Insurance Quotes Online
To compare Toyota 4Runner insurance quotes online for free, start by using our free online comparison tool. This tool allows you to access multiple insurance quotes quickly and without any cost. Instead of visiting individual insurance websites or making phone calls, our tool streamlines the process, saving you time and effort.
By entering your basic information and details about your Toyota 4Runner, you can receive instant quotes from various insurers. This enables you to discover the most competitive rates and find coverage options that best fit your needs. The convenience of comparing rates from the comfort of your home makes it easier to save money and choose the right insurance policy for your Toyota 4Runner.
By using our tool, you gain access to comprehensive coverage options and detailed quotes, allowing you to make an informed decision and potentially lower your insurance premiums.
Start comparing Toyota 4Runner auto insurance quotes for free by using our online comparison tool.
Case Studies: Navigating the Best Toyota 4Runner Auto Insurance Options
These fictional case studies are based on real-world scenarios to illustrate how different insurance providers might offer coverage for the Toyota 4Runner. By examining these cases, you can get a better understanding of how various companies might cater to your specific needs when insuring your Toyota 4Runner.
- Case Study #1 – Optimal Choice for Affordability and Service: John, a 35-year-old teacher from Dallas, Texas, chose Geico for his Toyota 4Runner. He appreciated Geico’s competitive pricing, comprehensive coverage, and strong customer service. The efficient claims process and online policy management were also key factors. With an average monthly premium of $160, John found Geico offered great value.
- Case Study #2 – Ideal for Extensive and Reliable Coverage: Lisa, a 40-year-old nurse from Chicago, chose State Farm for her Toyota 4Runner due to its extensive coverage options and strong reputation. She appreciated the customizable policies, comprehensive coverage, roadside assistance coverage, and rental car reimbursement. The $170 monthly rate was a fair price for the peace of mind it provided.
- Case Study #3 – Best for Cutting-Edge Discounts and Technology: Mark, a 28-year-old software engineer from Seattle, chose Progressive for his 2019 Toyota 4Runner due to their Snapshot program and user-friendly mobile app. He appreciated the tech-driven discounts for safe driving, and his average monthly premium was $155, making it an affordable and innovative option.
These fictional case studies are designed to provide insights into how different insurance providers might meet the needs of Toyota 4Runner owners.
Geico delivers exceptional value for Toyota 4Runner owners with its competitive pricing and extensive coverage options.Brandon Frady Licensed Insurance Producer
Each case highlights the strengths and offerings of various companies, helping you make an informed decision about your auto insurance options.
Frequently Asked Questions
What is the average cost of the best Toyota 4Runner auto insurance?
The average cost of the best Toyota 4Runner auto insurance is approximately $1,332 annually, or about $111 per month. Rates may vary based on coverage levels, driver profile, and insurer.
Are 4Runners high maintenance?
The average total annual cost for repairs and maintenance on a Toyota 4Runner is $514, compared to an average of $573 for midsize SUVs and $652 for all vehicle models. The average total annual cost for unscheduled repairs and maintenance across all model years of a vehicle.
Delve into our guide titled ”Best Auto Insurance for Regular Maintenance.”
Which companies offer the best Toyota 4Runner auto insurance?
Top providers for the best Toyota 4Runner auto insurance include Geico, State Farm, and Progressive. These companies are recognized for their competitive rates, comprehensive coverage options, and customer service.
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
What factors impact the cost of the best Toyota 4Runner auto insurance?
Factors that impact the cost of the best Toyota 4Runner auto insurance include your age, driving history, location, vehicle age, and coverage level. Insurance providers also consider the vehicle’s safety features and your credit score.
Which 4Runner has the most comfortable seats?
The 4Runner Limited is probably your best choice for a comfortable interior. This trim level has the most convenience features and the most comfortable seats available.
Can a good driving record lower my Toyota 4Runner insurance rates?
Yes, maintaining a good driving record can help you secure lower rates for the best Toyota 4Runner auto insurance. Insurance companies often offer discounts to drivers with clean records, as they are considered lower risk.
Explore relevant guide titled “How to Get a Good Driver Auto Insurance Discount.”
Do Toyota 4Runners last long?
With proper care, you should expect at least 200,000 miles with your 4Runner, though some will make it up to 300,000 miles with meticulous care. It will last a decade or more if you’re a patient and attentive driver and care for issues before they develop into pricey faults.
Are there discounts available for the best Toyota 4Runner auto insurance?
Yes, many insurance providers offer discounts for the best Toyota 4Runner auto insurance. Common discounts include safe driver discounts, multi-car policies, bundling with other insurance types, and discounts for having safety features in your vehicle.
For additional details, explore our comprehensive resource titled “Auto Insurance Discounts to Ask for.”
How can I find the best Toyota 4Runner auto insurance rates?
To find the best Toyota 4Runner auto insurance rates, compare quotes from multiple insurance providers using online comparison tools. Consider factors like coverage options, discounts, and customer reviews to make an informed choice.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
How does the Toyota 4Runner’s safety rating affect insurance costs?
The Toyota 4Runner’s safety rating can positively impact insurance costs. Higher safety ratings generally lead to lower premiums as they indicate better protection and reduced risk of costly claims.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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