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Compare quotes for Toyota 4Runner Trail car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Toyota 4Runner Trail owners is $2,597 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

Toyota 4Runner Trail car insurance cost

One of the primary determining factors for your Toyota 4Runner Trail insurance rate is the age of your vehicle. Here's how much it costs to insure your 4Runner Trail by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Toyota 4Runner Trail , 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 Toyota 4Runner Trail

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 Toyota 4Runner Trail drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Plymouth Rock$2,400$1,128

Compare car insurance quotes for Toyota 4Runner Trail

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!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
November 2, 202229405SCNorth CharlestonRoger C.31Progressive$2,160$1,688
May 24, 202232955FLRockledgeLucinda T.30Progressive$1,596$1,500
March 5, 202210451NYBronxDollie H.49Safeco$5,304$4,372
October 31, 202107871NJ
Chad F.27Plymouth Rock$2,400$1,272

Best car insurance companies for Toyota 4Runner Trail 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
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,305$538

How much does Toyota 4Runner Trail insurance go up after a DUI?

If you get a DUI while driving your 4Runner Trail, you can expect your premium to increase by an average of 32%.

How much does Toyota 4Runner Trail insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your 4Runner Trail, your insurance premium could increase by an average of 22%

Best Car Insurance for Toyota 4Runner Trail 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 $0 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Toyota 4Runner Trail 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 Toyota 4Runner Trail drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
October 31, 2021Toyota 4Runner Trail$200/mo.$106/mo.07871NJEdward H.27Plymouth Rock
May 24, 2022Toyota 4Runner Trail$133/mo.$125/mo.32955FLJosephine L.30Progressive
November 2, 2022Toyota 4Runner Trail$180/mo.$141/mo.29405SCOscar O.31Progressive
March 5, 2022Toyota 4Runner Trail$442/mo.$364/mo.10451NYEtta Y.49Safeco

Driving a Toyota 4Runner Trail

If you’re in the market for a rugged, performance-oriented SUV, look no further than the Toyota 4Runner Trail. Despite a 4 out of 10 Car and Driver rating, the 4Runner Trail excels in off-road driving conditions and is packed with driver-assistance tech and generous passenger space.The 4Runner Trail offers an enhanced, rugged driving experience that enthusiasts have come to expect from the model in addition to brand new, 17-inch dark gray TRD wheels and all-weather floor mats. With an MSRP of $39,455, the 2021 Toyota 4Runner Trail boasts a powerful and torque-rich 4.0-liter V6 engine, a five-speed automatic transmission, and a 5,000-pound towing capacity. Additionally, the 4Runner comes standard with an 8-inch touchscreen infotainment system with access to Apple CarPlay, Android Auto, subscription-based Wi-Fi, and a built-in navigation system—all filtered through a 15-speaker JBL audio system.With a 4 out of 5-star overall safety rating from the National Highway Traffic Safety Administration, the Toyota 4Runner comes standard with automated emergency braking, forward-collision warning, and blind-spot monitoring, making this vehicle not only capable but safe, as well. This rugged Toyota deserves only the best car insurance coverage, preferably without breaking the bank.
If you own a Toyota 4Runner Trail , 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 Toyota 4Runner Trail new, it’s worth considering new car replacement insurance to protect your investment.
Pick the policy and price you like, and Jerry takes care of the rest—securing your new insurance and helping you cancel your old policy. The average Jerry user saves $887 a year.
Key Takeaway: The more your Toyota 4Runner Trail is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Toyota 4Runner Trail?

The average annual cost to insure a model is $2,597. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

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!).

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