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Cheapest Toyota 4runner Car Insurance (Jun 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
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

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.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
June 20, 2024
Toyota 4runner SR5National General
$155
• 50,000/100,000 Liability
June 16, 2024
Toyota 4runner SR5Plymouth Rock
$374
• State Minimum Liability
• Comp / Collision
June 8, 2024
Toyota 4runner SR5Mercury
$84
• 100,000/300,000 Liability
June 4, 2024
Toyota 4runner SR5
Clearcover
$197
• 100,000/300,000 Liability
• Comp / Collision
June 1, 2024
Toyota 4runner SEProgressive
$137
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024
However, 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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. 

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.
CarMonthly minimum coverage costMonthly 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
Lower my car insurance too!

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:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2023
Toyota 4runner SE
Progressive
$137
• State Minimum Liability
• Comp / Collision
Safeco
$234
• State Minimum Liability
• Comp / Collision
2023
Toyota 4runner SE
The General
$155
• State Minimum Liability
coverageLast Updated Jun 20, 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:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$261
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$265
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$142
• 50,000/100,000 Liability
• Comp / Collision
National General
$170
• State Minimum Liability
Bristol West
$214
• 25,000/50,000 Liability
coverageLast Updated Jun 16, 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:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2021
Toyota 4runner Night Shade
Progressive
$78
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$75
• 100,000/300,000 Liability
• Comp / Collision
AAA
$286
• 100,000/300,000 Liability
• Comp / Collision
Infinity
$177
• State Minimum Liability
Clearcover
$216
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 16, 2024
If 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

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$75
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$225
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$134
• State Minimum Liability
• Comp / Collision
Mercury
$165
• State Minimum Liability
• Comp / Collision
National General
$159
• State Minimum Liability
coverageLast Updated Jun 20, 2024

2019 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$206
• State Minimum Liability
Safeco
$111
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$133
• 100,000/300,000 Liability
• Comp / Collision
Plymouth Rock
$374
• State Minimum Liability
• Comp / Collision
National General
$126
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

2018 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$100
• No Coverage Liability
• Comp / Collision
Safeco
$129
• State Minimum Liability
• Comp / Collision
Allstate
$293
• 100,000/300,000 Liability
• Comp / Collision
National General
$123
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$185
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 17, 2024

2017 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$112
• State Minimum Liability
• Comp / Collision
Travelers
$88
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$71
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$67
• 100,000/300,000 Liability
• Comp / Collision
National General
$87
• State Minimum Liability
coverageLast Updated Jun 19, 2024

2016 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$80
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$123
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$211
• State Minimum Liability
• Comp / Collision
Nationwide
$126
• 50,000/100,000 Liability
• Comp / Collision
AAA
$179
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

2015 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$166
• 100,000/300,000 Liability
Travelers
$72
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$130
• State Minimum Liability
• Comp / Collision
Allstate
$188
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$116
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 14, 2024

2014 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Allstate
$88
• State Minimum Liability
• Comp / Collision
Bristol West
$176
• 50,000/100,000 Liability
• Comp / Collision
National General
$381
• 100,000/300,000 Liability
• Comp / Collision
Plymouth Rock
$149
• State Minimum Liability
• Comp / Collision
Clearcover
$156
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 17, 2024

2013 Toyota 4runner car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$164
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$88
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$133
• 250,000/500,000 Liability
Mercury
$83
• State Minimum Liability
Bristol West
$172
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 19, 2024

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 received
    mixed 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 

Toyota has a legendary safety reputation, and while the 4Runner’s ratings don’t quite live up to the high bar set by the
Corolla
or
Camry
, it has plenty of other features to recommend it. Here’s a partial list:
Safety featureDescription
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.
Side impact airbags
Side impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
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.
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.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.

What other factors affect Toyota 4runner insurance rates?

Many factors influence your
car insurance rate
, such as:
  • 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.
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Max (24 years old)
coverageCoverage
State Minimum
$97
per month
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Marie (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$329
per month
card cover
Edwin (24 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
$114
per month
card cover
Clearcover
Clarence (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$92
per month
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Nathaniel (24 years old)
coverageCoverage
State Minimum
locationEnola, PA
$149
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.
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Adelaide (65 years old)
coverageCoverage
State Minimum
$103
per month
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Ola (78 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$155
per month
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Gavin (72 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$226
per month
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Clearcover
Mae (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$74
per month
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Jackson (67 years old)
coverageCoverage
State Minimum
$75
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 TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Toyota 4runner Sr5/sr5 PremiumTravelers
$65
• 250,000/500,000 Liability
• Comp / Collision
Speeding 11-15
Toyota 4runner LimitedBristol West
$64
• State Minimum Liability
Speeding 16-20
Toyota 4runner LimitedMercury
$94
• State Minimum Liability
Speeding 21+
Toyota 4runner VentureProgressive
$276
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

Cheapest 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.
card cover
Ronnie (37 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$149
per month
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Leon (28 years old)
coverageCoverage
State Minimum
$122
per month
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Lloyd (32 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$265
per month
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Celia (27 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationSparta, NJ
carToyota 4runner Trail
$165
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 typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Toyota 4runner LimitedProgressive
$330
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Toyota 4runner Sr5/sr5 PremiumNationwide
$75
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Toyota 4runner Sr5/sr5 PremiumAllstate
$293
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Toyota 4runner SR5AAA
$63
• 25,000/50,000 Liability
At Fault With No Injury
Toyota 4runner SR5Safeco
$130
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

Cheapest 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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Toyota 4runner SR5Progressive
$83
• 25,000/50,000 Liability
• Comp / Collision
Defective Equipment
Toyota 4runner SR5Allstate
$156
• 50,000/100,000 Liability
Failure to Obey Signal
Toyota 4runner Sr5/sr5 PremiumSafeco
$195
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Toyota 4runner LimitedProgressive
$134
• State Minimum Liability
Careless Driving
Toyota 4runner SR5Bristol West
$128
• 50,000/100,000 Liability
Driving on Sus. License
Toyota 4runner SR5Travelers
$128
• 100,000/300,000 Liability
• Comp / Collision
Failure to Yield
Toyota 4runner SR5
Clearcover
$124
• State Minimum Liability
• Comp / Collision
Improper Passing
Toyota 4runner Sr5/sr5 PremiumBristol West
$84
• State Minimum Liability
coverageLast Updated Jun 18, 2024

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: Your
    car insurance deductible
    is 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 can
    reduce coverage
    on 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 insurance
    with 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

avatar
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.
avatar
Kianna Walpole
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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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.