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Cheapest Toyota 4runner Car Insurance (Sep 2024)
Cheapest Toyota 4runner Car Insurance (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Toyota 4runner
Find Insurance Savings
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Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does Toyota 4runner car insurance cost?
- Compare the cheapest Toyota 4runner car insurance quotes
- The best car insurance companies for Toyota 4runner owners
- Toyota 4runner insurance cost by model year
- Are Toyota 4runners expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does Toyota 4runner car insurance cost?
The average Toyota 4Runner owner spends $92 a month on minimum coverage insurance and $220 a month on full coverage. Compared to its competitors—which include the
Ford Bronco
, Jeep Wrangler
, and Honda Passport
—the 4Runner is generally less to insure.Vehicle type | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Toyota 4Runner | $92 | $220 |
But if you want to know your insurance costs, there’s no way to know but to ask for a
car insurance quote
. You could pay hundreds of dollars more each year depending on your vehicle’s trim level and age—or less, if you compare prices to find the lowest rate.Compare the cheapest Toyota 4runner car insurance quotes
This may feel complicated, but it doesn’t have to be.
Jerry
is a car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota 4runner drivers save an average of $0 per year on their car insurance. Check out the table below to see real, free quotes that real people have gotten from Jerry.
| Date | Car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
September 11, 2024 | Toyota 4runner Limited | Infinity | $147 | Troy, 52 | • State Minimum Liability |
September 5, 2024 | Toyota 4runner Sr5/sr5 Premium | Clearcover | $100 | Isabel, 45 Ashford, WV | • 50,000/100,000 Liability • Comp / Collision |
September 3, 2024 | Toyota 4runner SR5 | State Auto | $177 | Evelyn, 38 Charleston, SC | • 100,000/300,000 Liability • Comp / Collision |
August 30, 2024 | Toyota 4runner Sr5/sr5 Premium | Travelers | $65 | Gertrude, 42 | • 250,000/500,000 Liability • Comp / Collision |
August 30, 2024 | Toyota 4runner SR5 | Progressive | $91 | Bertie, 40 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 11, 2024However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Toyota 4runner, you’ll need to
get car insurance quotes
from at least three insurance companies. The best car insurance companies for Toyota 4runner owners
There’s no single best insurance company for all Toyota 4runner owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
. But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Toyota 4runner?
The average cost of Toyota 4runner insurance is $2,640 per year for full coverage and $1,104 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
Learn more about car insurance for other models
Why are some trims more expensive to insure than others?
Trims with high price tags also come with greater insurance costs. That’s because they usually pack more luxury materials, more advanced technology, and more powerful engines. For an example, let’s compare the Toyota 4Runner SR5 (the most base model for 20 years running) to the TRD Pro.
The 2024 models have a $10,000 price difference, which is borne out by the TRD Pro’s heated front seat, power moonroof, blind-spot monitoring system, and roof rack. Insurance companies have to pay more to fix a damaged 4Runner SR5 than a TRD Pro (to say nothing of the cost of a total loss), so they pass some of these costs to the consumer.
The table below shows you how much of a price gap exists between the top and bottom trims of the Toyota 4Runner.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
4runner Toyota 4runner | $109 | $149 |
4runner Toyota 4runner Limited | $80 | $126 |
4runner Toyota 4runner SR5 | $93 | $144 |
4runner Toyota 4runner SR5 | $74 | $140 |
4runner Toyota 4runner VN39 SR5 | $62 | $129 |
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Sean S.
Toyota 4runner insurance cost by model year
The more recently your Toyota 4runner was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota 4runners provided by Jerry to better understand how your driver profile might affect your cost.
2023 Toyota 4runner car insurance quotes
Unfortunately, newer cars can also come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Toyota 4runner:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2023 Toyota 4runner Limited | Progressive | $248 | Evan, 33 Miami, FL | • 50,000/100,000 Liability • Comp / Collision |
2023 Toyota 4runner SE | Progressive | $137 | Ronald, 43 | • State Minimum Liability • Comp / Collision |
2023 Toyota 4runner SR5 | Safeco | $234 | Jeanette, 55 | • State Minimum Liability • Comp / Collision |
2023 Toyota 4runner SE | The General | $155 | Bertie, 23 | • State Minimum Liability |
Last Updated Sep 13, 2024 2022 Toyota 4runner car insurance quotes
It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Toyota 4runner drivers below:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2022 Toyota 4runner SR5 | Progressive | $160 | Mable, 45 | • 50,000/100,000 Liability • Comp / Collision |
2022 Toyota 4runner Limited | Progressive | $145 | Cornelia, 34 | • State Minimum Liability • Comp / Collision |
2022 Toyota 4runner SR5 | Safeco | $130 | Ida, 37 | • 100,000/300,000 Liability • Comp / Collision |
2022 Toyota 4runner SR5 | Bristol West | $116 | Travis, 55 | • State Minimum Liability • Comp / Collision |
2022 Toyota 4runner Sr5/sr5 Premium | Mercury | $152 | Charlie, 39 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024 2021 Toyota 4runner car insurance quotes
Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota 4runner:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2021 Toyota 4runner Sr5/sr5 Premium | Progressive | $287 | Vincent, 44 | • No Coverage Liability • Comp / Collision |
2021 Toyota 4runner SR5 | Safeco | $166 | Howard, 40 | • State Minimum Liability • Comp / Collision |
2021 Toyota 4runner Venture | National General | $191 | Derrick, 30 | • 50,000/100,000 Liability • Comp / Collision |
2021 Toyota 4runner Trail | Plymouth Rock | $106 | Mitchell, 28 Sparta, NJ | • 100,000/300,000 Liability • Comp / Collision |
2021 Toyota 4runner Venture | Infinity | $177 | Cecelia, 35 | • State Minimum Liability |
Last Updated Sep 15, 2024If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota 4runner with our real quote examples below:
2020 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2020 Toyota 4runner Sr5/sr5 Premium | Travelers | $165 | Noah, 43 | • 50,000/100,000 Liability • Comp / Collision |
2020 Toyota 4runner Sr5/sr5 Premium | Safeco | $127 | Cameron, 49 Williamstown, NY | • 100,000/300,000 Liability • Comp / Collision |
2020 Toyota 4runner Sr5/sr5 Premium | Allstate | $232 | Jackson, 34 | • State Minimum Liability • Comp / Collision |
2020 Toyota 4runner SR5 | Clearcover | $156 | Ronnie, 34 | • 100,000/300,000 Liability • Comp / Collision |
2020 Toyota 4runner Limited | Bristol West | $206 | Loretta, 32 Tyngsboro, MA | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024 2019 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2019 Toyota 4runner SR5 | Progressive | $91 | Gilbert, 40 | • State Minimum Liability • Comp / Collision |
2019 Toyota 4runner SR5 | Allstate | $178 | Victor, 30 | • 50,000/100,000 Liability • Comp / Collision |
2019 Toyota 4runner SR5 | Travelers | $133 | Callie, 32 | • 100,000/300,000 Liability • Comp / Collision |
2019 Toyota 4runner SR5 | Safeco | $250 | Rena, 55 Trinity, NC | • 100,000/300,000 Liability • Comp / Collision |
2019 Toyota 4runner SR5 | Mercury | $120 | Evan, 30 Carney, OK | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 11, 2024 2018 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2018 Toyota 4runner SR5 | Travelers | $133 | Lina, 28 | • State Minimum Liability • Comp / Collision |
2018 Toyota 4runner Sr5/sr5 Premium | Nationwide | $119 | Bryan, 60 | • 100,000/300,000 Liability • Comp / Collision |
2018 Toyota 4runner Sr5/sr5 Premium | Bristol West | $120 | Sarah, 50 Shingle Springs, CA | • 50,000/100,000 Liability • Comp / Collision |
2018 Toyota 4runner Sr5/sr5 Premium | Mercury | $123 | Kate, 44 | • 100,000/300,000 Liability • Comp / Collision |
2018 Toyota 4runner Sr5/sr5 Premium | Clearcover | $138 | Amy, 26 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 11, 2024 2017 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2017 Toyota 4runner Sr5/sr5 Premium | Progressive | $112 | Jordan, 26 Tennessee Ridge, TN | • State Minimum Liability • Comp / Collision |
2017 Toyota 4runner Sr5/sr5 Premium | Travelers | $88 | Lura, 40 | • 50,000/100,000 Liability • Comp / Collision |
2017 Toyota 4runner SR5 | Nationwide | $205 | Mark, 28 | • State Minimum Liability • Comp / Collision |
2017 Toyota 4runner Sr5/sr5 Premium | State Auto | $88 | Claudia, 39 | • 100,000/300,000 Liability • Comp / Collision |
2017 Toyota 4runner SR5 | Gainsco | $142 | Warren, 62 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 13, 2024 2016 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2016 Toyota 4runner Limited | Progressive | $84 | Rodney, 31 Archbold, OH | • 50,000/100,000 Liability |
2016 Toyota 4runner Sr5/sr5 Premium | Nationwide | $149 | Clara, 40 | • 100,000/300,000 Liability • Comp / Collision |
2016 Toyota 4runner SR5 | Safeco | $167 | Sadie, 35 Irving, TX | • State Minimum Liability • Comp / Collision |
2016 Toyota 4runner Sr5/sr5 Premium | Travelers | $107 | Glen, 32 Westville, OK | • 50,000/100,000 Liability • Comp / Collision |
2016 Toyota 4runner SR5 | Allstate | $218 | Tommy, 43 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 12, 2024 2015 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2015 Toyota 4runner SR5 | Progressive | $126 | Dominic, 34 | • 50,000/100,000 Liability • Comp / Collision |
2015 Toyota 4runner SR5 | Travelers | $70 | Alice, 28 Concord, NH | • 50,000/100,000 Liability • Comp / Collision |
2015 Toyota 4runner SR5 | Allstate | $188 | Eugene, 36 | • 100,000/300,000 Liability • Comp / Collision |
2015 Toyota 4runner SR5 | AAA | $212 | Sylvia, 53 | • State Minimum Liability • Comp / Collision |
2015 Toyota 4runner SR5 | Safeco | $130 | Ola, 27 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 12, 2024 2014 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2014 Toyota 4runner SR5 | AAA | $111 | Albert, 30 Cincinnati, OH | • 50,000/100,000 Liability • Comp / Collision |
2014 Toyota 4runner SR5 | National General | $328 | Ora, 59 | • 50,000/100,000 Liability • Comp / Collision |
2014 Toyota 4runner SR5 | Mercury | $169 | Lilly, 33 Lubbock, TX | • 100,000/300,000 Liability • Comp / Collision |
2014 Toyota 4runner SR5 | Bristol West | $171 | Darrell, 35 | • State Minimum Liability |
2014 Toyota 4runner SR5 | Clearcover | $156 | Pearl, 50 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024 2013 Toyota 4runner car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2013 Toyota 4runner SR5 | Progressive | $127 | Travis, 29 | • No Coverage Liability • Comp / Collision |
2013 Toyota 4runner SR5 | Travelers | $88 | Nannie, 34 Pink Hill, NC | • 100,000/300,000 Liability • Comp / Collision |
2013 Toyota 4runner SR5 | National General | $109 | Clyde, 32 | • 50,000/100,000 Liability |
2013 Toyota 4runner SR5 | Bristol West | $172 | Tommy, 32 | • State Minimum Liability • Comp / Collision |
2013 Toyota 4runner SR5 | Electric | $142 | Kenneth, 32 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024See all Toyota 4runner insurance information by year
Are Toyota 4runners expensive to insure?
The Toyota 4Runner is relatively cheap to insure. Like all other vehicles, there are several factors counting for and against its insurance costs:
- Fair safety ratings: The fourth and fifth generations of the 4Runner receivedmixed safety ratings from the IIHS. The safer a car is, the less risky it is to drive, and the cheaper it is to insure.
- Four-star crash test rating: The 4Runner maintains a steady four-star crash test rating from the NHTSA. Crash test ratings matter to insurers because safer cars protect their occupants from serious injuries, which means lower hospital bills.
- Large engine: If you have an older 4Runner packing a 4.7L V8 engine (as opposed to the modern 4.0L V6), you’ll pay more for car insurance. Bigger engines cost more to repair.
With all that in mind, here’s how the Toyota 4Runner stacks up in terms of cost against other vehicles in a similar price range:
Vehicle type | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$92 | $203 | |
Toyota 4Runner | $92 | $220 |
$95 | $237 | |
$99 | $177 | |
$100 | $214 |
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
Toyota 4runner safety features
| Safety feature | Description |
|---|---|
Front-impact airbags | Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash. |
Knee airbags | Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident. |
Anti-whiplash | Anti-whiplash head restraints actively react to rear collision forces and craddle the occupants head in an effort to reduce the likelihood of a whiplash injury. |
Security system | The vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used. |
Stability control | Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. |
Overhead airbags | Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover. |
Pretensioners | Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision. |
Side impact airbags | Side impact airbags for the front seats have been designed to protect the torso during a side impact collision. |
Anti-lock brakes | ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking. |
What other factors affect Toyota 4runner insurance rates?
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
- Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.
Toyota 4runner insurance cost for young drivers
Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents. 
Ella (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$207
per month
Mildred (21 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$213
per month
Toyota 4runner insurance cost for senior drivers
As you enter your mid-70s, car insurance costs begin to climb again.
Car insurance rates for seniors
tend to be higher for several reasons. Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
Augusta (78 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$155
per month
Myra (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$78
per month
Toyota 4runner insurance cost for drivers with driving violations
Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Toyota 4runner drivers with speeding ticket
There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
Jerry is proud to help Toyota 4runner drivers with varying speeding tickets save on car insurance.
| Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Toyota 4runner SR5 | The General | $80 | Cynthia, 23 | • State Minimum Liability |
Speeding 16-20 | Toyota 4runner SR5 | Bristol West | $157 | Minnie, 24 | • State Minimum Liability |
Speeding 21+ | Toyota 4runner SR5 | Assurance America | $239 | Jeremiah, 47 Harrison, GA | • State Minimum Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest car insurance for Toyota 4runner drivers with a DUI record
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota 4runner drivers obtain affordable auto insurance rates after a DUI.
Lloyd (38 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$149
per month
Gregory (31 years old)
$84
per month
Kate (34 years old)
$181
per month
Myrtie (28 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Sparta, NJ$106
per month
May (44 years old)
$143
per month
Cheapest car insurance for Toyota 4runner drivers after an accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota 4runner drivers save on car insurance after car accidents.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Toyota 4runner Sr5/sr5 Premium | Progressive | $92 | Charlotte, 30 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Toyota 4runner SR5 | AAA | $212 | Christine, 53 | • State Minimum Liability • Comp / Collision |
At Fault With Injury | Toyota 4runner Sr5/sr5 Premium | Allstate | $293 | Evelyn, 33 Aurora, CO | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Toyota 4runner SR5 | Travelers | $88 | Bettie, 34 Pink Hill, NC | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Toyota 4runner SR5 | Safeco | $130 | Eddie, 37 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest car insurance for Toyota 4runner drivers with other driving violations on their record
Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.
We’ve compiled a list of various other driving violations and how we helped Toyota 4runner drivers with these violations save on their car insurance.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Toyota 4runner SR5 | Progressive | $83 | Delia, 55 | • 25,000/50,000 Liability • Comp / Collision |
Defective Equipment | Toyota 4runner SR5 | Allstate | $156 | Maggie, 30 | • 50,000/100,000 Liability |
Failure to Obey Signal | Toyota 4runner Sr5/sr5 Premium | Safeco | $195 | Margaret, 35 | • 50,000/100,000 Liability • Comp / Collision |
Cell Phone | Toyota 4runner Limited | Progressive | $134 | Milton, 39 | • State Minimum Liability |
Careless Driving | Toyota 4runner SR5 | Bristol West | $128 | Jeremy, 36 | • 50,000/100,000 Liability |
Driving on Sus. License | Toyota 4runner SR5 | Travelers | $128 | Sam, 41 | • 100,000/300,000 Liability • Comp / Collision |
Failure to Yield | Toyota 4runner SR5 | Clearcover | $124 | Eliza, 37 | • State Minimum Liability • Comp / Collision |
Improper Passing | Toyota 4runner Sr5/sr5 Premium | Bristol West | $84 | Evelyn, 33 Aurora, CO | • State Minimum Liability |
Last Updated Sep 13, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Yourcar insurance deductibleis the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you canreduce coverageon them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies:Bundling your homeowners and auto insurancewith the same company can amount to a lower overall bill.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.