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The average cost of car insurance for Toyota4Runner owners is $1,777 a year. However, exact rates vary from model to model: for instance, the Camry Se Night Shade costs $254 more per year to insure than the Pickup 1/2 Ton Short Wheelbase Dlx.
Toyota4Runner car insurance cost
One of the primary determining factors for your Toyota4Runner insurance rate is the age of your vehicle. Here's how much it costs to insure your 4Runner by car year:
If you drive a Toyota4Runner , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:
Best car insurance companies for your Toyota4Runner
If you drive a Toyota, you probably put a high value on the things Toyota does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Toyota4Runner drivers.
But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Toyota insurance in the app!
Best car insurance companies for Toyota4Runner drivers with bad driving records
Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
How much does Toyota4Runner insurance go up after a DUI?
If you get a DUI while driving your 4Runner, you can expect your premium to increase by an average of 46%.
How much does Toyota4Runner insurance go up after a speeding ticket?
We’ve all been there. If you get a speeding ticket in your 4Runner, your insurance premium could increase by an average of 37%.
Best Car Insurance for Toyota4Runner by Age
If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $2 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.
Best Car Insurance for Toyota4Runner by Location
Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Toyota4Runner drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Offering best-in-class off-road capabilities, a tech-savvy suite of driver-assistance and infotainment features, and roomy passenger and cargo areas, the 2022 Toyota 4Runner is one of the most attractive midsize SUVs on the market.Combining a comprehensive technology package and a powerful 270-horsepower V6 engine, the Toyota 4Runner is a great option for a driver looking for an SUV that packs a punch under the hood. Featuring an all-new sturdy ladder frame and standard LED high beams, the base SR5 trim starts at $38,320, just below the luxury price line. Pop open the hood to reveal a stout and powerful 4.0-liter, 270-horsepower V6 engine with a five-speed automatic transmission that can accelerate this impressive SUV from 0 to 60 mph in as little as 7.7 seconds. Throw in a wide range of infotainment, safety features, and driver-assistance technology, and the 2022 Toyota 4Runner sets itself apart as a desirable and powerful SUV for drivers looking for a vehicle that can excel on- and off-road. With an SUV as spectacular as the Toyota 4Runner, finding the best car insurance possible is an absolute must.
If you own a Toyota4Runner , here’s what you need to know about your vehicle:
The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
If you bought your Toyota4Runner new, it’s worth considering new car replacement insurance to protect your investment.
The best part? Jerry users save an average of $887 a year on car insurance.
Key Takeaway: The more your Toyota4Runner is worth, the more you’ll pay to insure and drive it.
How can you save money on insurance for a Toyota4Runner?
The average annual cost to insure a model is $1,777. But who says you have to be average? Here are a few hacks to help you save money on insurance.
You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!
Drive well to save
That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).