Toyota 4Runner Car Insurance Cost
To insure a Toyota 4Runner, it typically costs about $1,191 annually through Penn National . However, the actual amount can vary based on factors such as age, the model year of the car, and other individual considerations. You can explore our quote tables below to determine the specific cost tailored to your circumstances.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Toyota 4Runner, you’ll need to factor in the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s important to understand the implications before making a purchase.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s critical to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, if you’re deemed at fault in an accident, your insurance premiums could increase.
Having analyzed car insurance rates for over a decade, I’ve observed the considerable variation in costs. Factors like age, driving history, and location can significantly impact insurance premiums. It’s essential to consider these factors carefully when selecting a car insurance policy.
How Much Does Toyota 4Runner Car Insurance Cost?
On average, the Penn National provides the most competitive rate of $1,191 per year for full coverage insurance on a 2024 Toyota 4Runner.
While the rate offered by Penn National serves as a useful reference point, it’s vital to recognize that the cost of car insurance can vary significantly based on several factors. These factors include your geographical location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a record of accidents or traffic violations can lead to higher costs.
Furthermore, residing in an urban area with heavy traffic may lead to increased insurance rates compared to rural areas with less traffic. The choice of coverage also plays a role – comprehensive coverage, which includes protection against a wide range of incidents and collisions, typically commands higher premiums compared to basic liability coverage.
Insuranceopedia offers assistance in comparing quotes from different insurance providers, ensuring that you secure the most favorable deal tailored to your needs.
2024 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Allied | $1,285 |
| Auto-Owners Insurance Co | $1,684 |
| California Capital | $1,542 |
| USAA | $1,317 |
| Virginia Farm Bureau | $1,120 |
| Mercury | $1,300 |
| Penn National | $1,191 |
| 21st Century | $1,565 |
| Utica National Ins Group | $1,642 |
| ALFA | $1,311 |
2023 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Victoria | $447 |
| SECURA Insurance | $997 |
| Capital Insurance Group | $866 |
| Texas Farm Bureau Group | $851 |
| Jupiter Auto Insurance | $11 |
| Kemper Auto | Infinity | $660 |
| Safeco | $277 |
| North Carolina Farm Bureau | $963 |
| Utica National Ins Group | $950 |
| PEMCO | $862 |
2022 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Concord Group | $613 |
| Mercury Insurance | $1,002 |
| MMG Insurance Company | $894 |
| Direct Auto | $741 |
| Safeco | $43 |
| American National P | $628 |
| Victoria | $419 |
| Countryway Insurance | $910 |
| NatGen PPA | $991 |
| Clearcover | $895 |
2021 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen Value | $590 |
| Texas Farm Bureau Group | $1,026 |
| Virginia Farm Bureau | $976 |
| Buckeye Insurance Group | $833 |
| Safeco | $416 |
| Pekin Insurance | $668 |
| American National P | $585 |
| Safety Group | $988 |
| PEMCO | $1,040 |
| Norfolk and Dedham Group | $951 |
2020 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $438 |
| MMG Insurance Company | $908 |
| PEMCO | $816 |
| SafeAuto | $621 |
| Safeco | $379 |
| Concord Group | $616 |
| American National P | $414 |
| Ohio Mutual Ins Group | $810 |
| AssuranceAmerica Mobile Max | $859 |
| Kemper Auto | Infinity | $654 |
2019 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $460 |
| Wolverine Mutual | $1,045 |
| Utica National Ins Group | $814 |
| West Bend Mutual | $815 |
| Jupiter Auto Insurance | ($8) |
| Mercury Insurance | $612 |
| Safeco | $411 |
| Pekin Insurance | $884 |
| Rural Mutual Insurance | $907 |
| National General Value | $792 |
2018 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $463 |
| Mercury Insurance | $693 |
| Concord Group | $658 |
| AssuranceAmerica Mobile Max | $561 |
| NatGen Advantage | $376 |
| Safeco | $555 |
| Dairyland FR Bond | $396 |
| Rural Mutual Insurance | $706 |
| Buckeye Insurance Group | $726 |
| Pekin Insurance | $660 |
2017 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $481 |
| SafeAuto | $690 |
| Concord Group | $614 |
| Mercury Insurance | $441 |
| Safeco | $128 |
| Buckeye Insurance Group | $467 |
| National General RAD | $240 |
| Kemper Auto | Infinity | $600 |
| Loya Insurance | $679 |
| AssuranceAmerica Economy | $492 |
2016 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $727 |
| Indiana Farmers Mutual Ins | $998 |
| SECURA Insurance | $898 |
| Pekin Insurance | $890 |
| Safeco | $228 |
| Buckeye Insurance Group | $784 |
| American National P | $417 |
| PEMCO | $949 |
| Virginia Farm Bureau | $951 |
| Texas Farm Bureau Group | $913 |
2015 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $468 |
| West Bend Mutual | $767 |
| Buckeye Insurance Group | $680 |
| Wolverine Mutual | $561 |
| Safeco | $40 |
| Concord Group | $463 |
| Mercury Insurance | $406 |
| New Jersey Manufacturers | $724 |
| North Carolina Farm Bureau | $782 |
| MMG Insurance Company | $649 |
2014 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $794 |
| PEMCO | $960 |
| Farmers Mutual of Nebraska | $969 |
| Virginia Farm Bureau | $808 |
| SECURA Insurance | $659 |
| Mercury Insurance | $829 |
| American National P | $642 |
| Atlantic States Insurance | $967 |
| North Star | $1,017 |
| Umialik Insurance | $929 |
2013 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $584 |
| Kentucky Farm Bureau | $823 |
| MO Farm Bureau Services | $738 |
| West Bend Mutual | $617 |
| National General Value | $361 |
| American National P | $602 |
| Pekin Insurance | $590 |
| PEMCO | $768 |
| Rockford Mutual Insurance | $801 |
| SECURA Insurance | $751 |
2012 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $824 |
| National General Value | $995 |
| Direct Auto | $855 |
| Colorado Farm Bureau Mutual | $851 |
| Safeco | $217 |
| North Carolina Farm Bureau | $837 |
| Dairyland | $785 |
| Mississippi Farm Bureau | $888 |
| Clearcover | $917 |
| Virginia Farm Bureau | $844 |
2011 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $471 |
| Atlantic States Insurance | $645 |
| Colorado Farm Bureau Mutual | $654 |
| North Carolina Farm Bureau | $588 |
| Kemper Auto | Infinity | $303 |
| Pekin Insurance | $561 |
| Buckeye Insurance Group | $439 |
| Capital Insurance Group | $666 |
| SECURA Insurance | $679 |
| AssuranceAmerica | $595 |
2010 Toyota 4Runner Insurance Rates
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $676 |
| PEMCO | $813 |
| Utica National Ins Group | $753 |
| First Chicago Insurance | $701 |
| American National P | $399 |
| North Carolina Farm Bureau | $697 |
| Pekin Insurance | $474 |
| Ohio Mutual Ins Group | $797 |
| SECURA Insurance | $824 |
| Buckeye Insurance Group | $694 |
Find Affordable Toyota 4Runner Car Insurance
Cost of Toyota 4Runner Car Insurance By Age
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $5,050 | $7,430 | $8,680 |
| 18 | $4,700 | $6,920 | $8,090 |
| 19 | $4,180 | $6,120 | $7,120 |
| 20 | $3,620 | $5,360 | $6,250 |
| 21 | $3,060 | $4,490 | $5,240 |
| 22 | $2,980 | $4,350 | $5,080 |
| 23 | $2,600 | $3,810 | $4,460 |
| 24 | $2,460 | $3,640 | $4,230 |
| 25 | $2,130 | $3,130 | $3,670 |
| 30 | $1,670 | $2,440 | $2,830 |
| 35 | $1,530 | $2,250 | $2,660 |
| 40 | $1,510 | $2,190 | $2,560 |
| 45 | $1,460 | $2,140 | $2,490 |
| 55 | $1,340 | $1,940 | $2,280 |
| 65 | $1,390 | $2,010 | $2,360 |
| 75 | $1,740 | $2,580 | $2,990 |
Toyota 4Runner Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,920 | $2,810 | $3,520 |
| Alaska | $1,560 | $2,140 | $2,090 |
| Arizona | $1,720 | $2,520 | $3,650 |
| Arkansas | $1,890 | $2,960 | $3,280 |
| California | $2,150 | $3,700 | $2,140 |
| Colorado | $1,970 | $2,760 | $3,470 |
| Connecticut | $2,510 | $3,880 | $4,940 |
| Delaware | $2,090 | $2,770 | $3,550 |
| Florida | $2,490 | $3,390 | $4,410 |
| Hawaii | $810 | $1,120 | $830 |
| Idaho | $1,390 | $1,850 | $2,240 |
| Illinois | $1,480 | $2,210 | $2,520 |
| Indiana | $1,510 | $2,310 | $2,580 |
| Iowa | $1,180 | $1,630 | $1,920 |
| Kansas | $1,590 | $2,320 | $2,700 |
| Kentucky | $2,300 | $3,340 | $3,950 |
| Louisiana | $2,960 | $4,450 | $4,780 |
| Maine | $1,110 | $1,540 | $2,270 |
| Maryland | $1,790 | $2,600 | $2,890 |
| Massachusetts | $1,480 | $2,500 | $1,470 |
| Michigan | $3,480 | $5,270 | $8,320 |
| Minnesota | $1,450 | $1,900 | $2,660 |
| Mississippi | $1,760 | $2,450 | $2,490 |
| Missouri | $1,650 | $2,350 | $3,070 |
| Montana | $1,650 | $2,310 | $2,700 |
| Nebraska | $1,420 | $2,050 | $2,240 |
| Nevada | $2,320 | $3,390 | $3,600 |
| New Hampshire | $1,600 | $2,520 | $3,220 |
| New Jersey | $1,790 | $2,800 | $3,640 |
| New Mexico | $1,810 | $2,680 | $2,800 |
| New York | $1,700 | $2,110 | $3,480 |
| North Carolina | $1,030 | $1,770 | $1,280 |
| North Dakota | $1,430 | $2,140 | $2,560 |
| Ohio | $1,270 | $1,960 | $1,990 |
| Oklahoma | $2,030 | $2,920 | $3,240 |
| Oregon | $1,860 | $2,450 | $2,920 |
| Pennsylvania | $1,560 | $2,260 | $2,680 |
| Rhode Island | $2,600 | $3,800 | $4,270 |
| South Carolina | $1,770 | $2,450 | $3,330 |
| South Dakota | $1,570 | $2,280 | $2,620 |
| Tennessee | $1,880 | $2,730 | $3,620 |
| Texas | $1,860 | $2,710 | $3,350 |
| Utah | $1,590 | $2,230 | $3,070 |
| Vermont | $1,230 | $1,890 | $2,010 |
| Virginia | $1,150 | $1,770 | $1,750 |
| Washington | $1,550 | $2,070 | $2,450 |
| West Virginia | $1,540 | $2,200 | $2,730 |
| Wisconsin | $1,540 | $2,400 | $2,740 |
| Wyoming | $1,430 | $2,010 | $2,120 |
| Georgia | $2,020 | $3,040 | $3,030 |
Compare Toyota 4Runner To Other Toyota Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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