Online Toyota 4Runner Insurance Rates [How to Find Cheap Rates]

Average Toyota 4Runner insurance rates cost $1,332 a year, or around $111 a month. On average, comprehensive coverage costs $324, collision coverage costs $474, and liability coverage costs $376 for Toyota 4Runner insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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Key Takeaways:

  • Full coverage costs around $1,332 a year or $111 each month
  • A liability-only policy costs around $534 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,868 a year or $406 each month
  • Good drivers can save as much as $549 a year by earning policy discounts
  • Toyota 4Runner insurance costs around $187 less per year than the average vehicle

When it comes to Toyota 4Runner car insurance rates, drivers spend $187 less per year than the average vehicle. Furthermore, good drivers can bring their Toyota 4Runner rates down by as much as $549 a year by qualifying for policy discounts. Learn everything you need to know about saving on Toyota 4Runner rates by learning the information contained in this helpful guide.

Most people want to buy a Toyota 4Runner because of their high quality and high resale value, but they may not consider the costs of ownership. Before purchasing one, it is a good idea to determine how much car insurance costs for a Toyota 4Runner.

The best car insurance companies look at how well vehicles perform in different types of collisions to help calculate insurance rates for consumers. They also consider theft rates, cost of repairs, and other important factors.

So if you are on the fence about which car to buy or simply want to learn more about Toyota 4Runner car insurance costs, look no further. We will cover everything you need to know about this vehicle and insurance, from safety ratings to repair costs.

You can start comparing quotes for Toyota 4Runner car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Toyota 4Runner Insurance Cost

The average Toyota 4Runner auto insurance rates are $1,332 a year or $111 a month.

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Are Toyota 4Runners Expensive to Insure?

The chart below details how Toyota 4Runner insurance rates compare to other SUVs like the Subaru Forester, Toyota Sequoia, and Mitsubishi Outlander Sport.

Vehicle Comprehensive Collision Liability Total
Toyota 4Runner $348 $532 $316 $1,332
Subaru Forester $346 $512 $332 $1,326
Toyota Sequoia $332 $566 $398 $1,454
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Mazda CX-9 $332 $542 $390 $1,422
Infiniti QX60 $404 $750 $372 $1,684
BMW X5 $444 $750 $372 $1,724
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota 4Runner Insurance?

The Toyota 4Runner trim and model you choose can impact the total price you will pay for Toyota 4Runner insurance coverage.

Age of the Vehicle

Older Toyota 4Runner models generally cost less to insure. For example, auto insurance rates for a 2020 Toyota 4Runner are $1,332, while 2010 Toyota 4Runner rates are $1,064, a difference of $268.

Model Year Comprehensive Collision Liability Total
2020 Toyota 4Runner $348 $532 $316 $1,332
2019 Toyota 4Runner $332 $512 $332 $1,312
2018 Toyota 4Runner $320 $506 $338 $1,300
2017 Toyota 4Runner $308 $494 $354 $1,292
2016 Toyota 4Runner $298 $474 $364 $1,272
2015 Toyota 4Runner $282 $458 $376 $1,252
2014 Toyota 4Runner $270 $424 $384 $1,214
2013 Toyota 4Runner $260 $400 $388 $1,184
2012 Toyota 4Runner $248 $358 $390 $1,132
2011 Toyota 4Runner $232 $330 $390 $1,088
2010 Toyota 4Runner $224 $310 $394 $1,064
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Driver Age

Driver age can have a significant effect on the cost of Toyota 4Runner car insurance. For example, 30-year-old drivers pay approximately $59 more for their Toyota 4Runner car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota 4Runner insurance rates. For example, drivers in Los Angeles may pay $191 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Toyota 4Runner auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota 4Runner car insurance with violations on their driving record.

Toyota 4Runner Safety Ratings

Your Toyota 4Runner auto insurance rates are tied to the Toyota 4Runner’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota 4Runner Crash Test Ratings

Poor Toyota 4Runner crash test ratings could mean higher Toyota 4Runner car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2019 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2018 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2018 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2017 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2017 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
2016 Toyota 4Runner SUV AWD 4 stars 4 stars 5 stars 3 stars
2016 Toyota 4Runner SUV 2WD 4 stars 4 stars 5 stars 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota 4Runner Safety Features

The numerous safety features of the Toyota 4Runner help contribute to lower insurance rates. The 2020 Toyota 4Runner has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Front Tow Hooks
  • Traction Control
  • Lane Departure Warning

Toyota 4Runner Insurance Loss Probability

The Toyota 4Runner’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Toyota 4Runner, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision -25%
Property Damage -8%
Comprehensive -17%
Personal Injury -24%
Medical Payment -34%
Bodily Injury -25%
Source: Insurance Institute for Highway Safety
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Toyota 4Runner Finance and Insurance Cost

When financing a Toyota 4Runner, most lenders will require your carry higher Toyota 4Runner coverage options including comprehensive coverage, so be sure to shop around and compare Toyota 4Runner car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Toyota 4Runner Insurance

There are many ways that you can save on Toyota 4Runner car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Toyota 4Runner car insurance rates low.

  • Reduce Modifications on Your Toyota 4Runner
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Toyota 4Runner
  • Compare Toyota 4Runner Quotes for Free Online
  • Ask About Toyota 4Runner Discounts If You Were Listed on Someone Else’s Policy

Top Toyota 4Runner Insurance Companies

Who is the best company for Toyota 4Runner insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota 4Runner insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota 4Runner offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota 4Runner Insurance Quotes Online

You can start comparing quotes for Toyota 4Runner car insurance rates from some of the best car insurance companies by using our free online tool now.

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What is the MSRP of a Toyota 4Runner?

Is the Toyota 4Runner expensive? To answer this, we need to take a look at the MSRP.

MSRP stands for Manufacturer Suggested Retail Price, which is just the sticker price on a vehicle. The seller may choose to raise or lower the price based on how old the vehicle is. Sometimes older models don’t have MSRPs, but you can usually figure out what a fair price is by looking at sites like Kelly Blue Book. To give you an idea of what you’ll pay for different models of a Toyota 4Runner, we’ve collected MSRP and fair market prices from Kelly Blue Book for you.

Toyota 4Runner MSRP and FMR by Model Year
Model Year MSRPFair Market Value
2020$37,240$33,275 - $36,048
2019$36,430$29,946 - $35,027
2018N/A$27,703 - $32,738
2017N/A$25,877 - $30,920
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You might be wondering what the difference between MSRP and fair market range is. As we explained earlier, MSRP is the sticker price on a vehicle. The fair market range is what you should be paying, based on the normal selling rate and price of a Toyota 4Runner. If an MSRP is high, it can affect what you pay on your loan or lease if a seller uses the MSRP to set the price.

It’s important for us to note that if you finance your vehicle, your lender may require you to carry collision and comprehensive coverage. These are basic coverages that every driver should carry. If you don’t buy enough coverage, your lender can get force-placed insurance.

This insurance sounds exactly like what it is — your insurer forcing a policy onto you. Force-placed insurance is much more expensive than regular insurance, and it only protects the vehicle you are financing. If you are in an accident and have force-placed insurance, the money will go to the owner of the policy, which is your lender. You won’t see any of the money, and you will still have to pay the force-placed insurance bill.

Bottom line? It is in your best interest to avoid force-placed insurance. To prevent your loan or lease bill from being too high and eating into your insurance budget, make sure you aren’t paying MSRP for a vehicle but rather the fair market price.

Of course, you may be considering a used Toyota 4Runner, and there are plenty on the market as Toyota’s are known for reliability and longevity. In that case, you will need to research the current prices in your area for the model year you’re considering.

How does the MSRP of a Toyota 4Runner affect collision car insurance rates?

Before we get into how MSRP affects collision rates, we want to explain what collision coverage covers. This coverage is not mandatory (unless you are leasing a vehicle), and it covers your repair costs if you run into another vehicle or an object (a fence post, mailbox, etc.). Unlike property damage liability, collision coverage protects your assets instead of paying for the other driver’s repair costs.

So how does MSRP affect collision rates? Basically, the higher the MSRP is, the more a company will charge you for collision coverage. This is because repair parts will be more expensive, and the value of a car is higher if you total your car. Take a look at the average collision rates for a Toyota 4Runner from QuoteInspector:

Toyota 4Runner Collision Car Insurance Rates by Model Year
Model YearCollision Coverage Rate
2014$424
2015$458
2016$474
2017$494
2018$506
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The data above is based on a 40-year-old male with a clean driving record and a $500 deductible. The rates show that you pay less if you have an older model of the Toyota 4Runner. There is an $82 difference between the price of collision coverage for a 2018 model and a 2014 model.

In addition to the model year of your vehicle, the loss ratios for your vehicle will impact what insurers charge. The image below shows losses for vehicles in the midsize SUV class.

SUV Midsize Collision Losses
Car Make and ModelCollision
Jeep Wrangler 2dr 4WD-64%
Jeep Wrangler 4dr 4WD (NEW)-43%
Jeep Wrangler 4dr 4WD-36%
Volkswagen Tiguan 4dr 4WD-29%
Volkswagen Tiguan 4dr-27%
Honda Pilot 4dr-26%
Toyota 4Runner 4dr 4WD-26%
Jeep Cherokee 4dr 4WD-22%
Toyota 4Runner 4dr-22%
Volkswagen Atlas 4dr-22%
Honda Pilot 4dr 4WD-21%
Jeep Grand Cherokee 4dr-21%
Ford Edge 4dr-18%
Nissan Murano 4dr-18%
Toyota Highlander 4dr-17%
Volkswagen Atlas 4dr 4WD-17%
Ford Edge 4dr 4WD-16%
Jeep Cherokee 4dr-16%
Dodge Journey 4dr 4WD-14%
Toyota Highlander 4dr 4WD-14%
Kia Sorento 4dr-12%
Ford Explorer 4dr-11%
Ford Flex 4dr 4WD-11%
Jeep Grand Cherokee 4dr 4WD-11%
Nissan Murano 4dr 4WD-10%
Hyundai Santa Fe Sport 4dr-9%
Buick Enclave 4dr-8%
Ford Flex 4dr-8%
Hyundai Santa Fe 4dr-8%
Kia Sorento 4dr 4WD-8%
Dodge Journey 4dr-4%
GMC Acadia 4dr-4%
GMC Acadia 4dr 4WD-4%
Hyundai Santa Fe Sport 4dr 4WD-4%
Toyota Highlander hybrid 4dr 4WD-4%
Ford Explorer 4dr 4WD-3%
Hyundai Santa Fe 4dr 4WD-3%
Chevrolet Traverse 4dr-1%
Chevrolet Traverse 4dr 4WD-1%
Mazda CX-9 4dr0%
Nissan Pathfinder 4dr2%
Nissan Pathfinder 4dr 4WD7%
Buick Enclave 4dr 4WD8%
Mazda CX-9 4dr 4WD13%
Jeep Grand Cherokee SRT 4dr 4WD28%
Jeep Grand Cherokee Trackhawk 4dr 4WD90%
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The Toyota 4Runner models are near the top of the list, which is good. The four-door model has a loss ratio of -22 percent, and the four-door 4WD model has a loss ratio of -26 percent. Both of these numbers mean that the losses are better than average. It means that insurers aren’t losing a lot of money paying claims on these models.

How does the MSRP of the Toyota 4Runner affect comprehensive car insurance rates?

Similar to collision coverage, comprehensive is meant to protect your assets. It will protect you if you are in a collision that isn’t with another vehicle or if your car is damaged by natural disasters, vandalism, or theft. So if the MSRP is high, insurers will charge more to protect you in case of a claim.

Remember, the newer the vehicle, the higher the MSRP. Take a look at the table below to see how rates for comprehensive coverage change by model year.

Toyota 4Runner Comprehensive Car Insurance Rates by Model Year
Model YearComprehensive Coverage Rate
2014$270
2015$282
2016$298
2017$308
2018$320
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QuoteInspector’s data above is based on a 40-year-old male with a clean driving record and a $500 deductible. The difference between the 2018 model year and the 2014 model year is only $50, which isn’t bad. However, this price raise will be matched by price raises for other coverages, so you could find your rate increases a few hundred dollars with a newer model.

Now that we’ve covered rate increases, let’s take a look at the IIHS’s loss ratios for a Toyota 4Runner. Poor loss ratios mean that insurers will raise rates.

SUV Midsize Comprehensive Losses
Car Make and ModelComprehensive Losses
Volkswagen Tiguan 4dr-38%
Buick Enclave 4dr-31%
Jeep Wrangler 4dr 4WD-29%
GMC Acadia 4dr-27%
Jeep Grand Cherokee 4dr-26%
Chevrolet Traverse 4dr-24%
Jeep Wrangler 4dr 4WD (NEW)-24%
Volkswagen Tiguan 4dr 4WD-23%
Hyundai Santa Fe Sport 4dr-20%
Jeep Cherokee 4dr-20%
Toyota 4Runner 4dr-20%
Ford Edge 4dr-19%
Jeep Cherokee 4dr 4WD-19%
Volkswagen Atlas 4dr-17%
Ford Explorer 4dr-15%
Nissan Pathfinder 4dr 4WD-15%
Dodge Journey 4dr-14%
GMC Acadia 4dr 4WD-14%
Nissan Pathfinder 4dr-14%
Hyundai Santa Fe 4dr-13%
Kia Sorento 4dr-13%
Dodge Journey 4dr 4WD-12%
Jeep Grand Cherokee 4dr 4WD-11%
Nissan Murano 4dr-11%
Toyota 4Runner 4dr 4WD-9%
Ford Flex 4dr-8%
Hyundai Santa Fe Sport 4dr 4WD-8%
Toyota Highlander 4dr-8%
Honda Pilot 4dr-7%
Kia Sorento 4dr 4WD-6%
Mazda CX-9 4dr-5%
Chevrolet Traverse 4dr 4WD-4%
Ford Explorer 4dr 4WD-4%
Nissan Murano 4dr 4WD-4%
Hyundai Santa Fe 4dr 4WD-3%
Ford Edge 4dr 4WD-1%
Toyota Highlander 4dr 4WD-1%
Volkswagen Atlas 4dr 4WD0%
Honda Pilot 4dr 4WD6%
Ford Flex 4dr 4WD17%
Mazda CX-9 4dr 4WD22%
Toyota Highlander hybrid 4dr 4WD24%
Jeep Grand Cherokee Trackhawk 4dr 4WD120%
Jeep Grand Cherokee SRT 4dr 4WD144%
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The Toyota 4Runner four-door has a loss of -20 percent, which is better than average. However, the Toyota 4Runner four-door 4WD only has a loss of -9 percent, which is only average. The higher insurance losses for the Toyota 4Runner four-door 4WD can definitely affect what you’ll be paying for comprehensive coverage. However, the price raise shouldn’t be too high. If it is, it may be time to start looking at other insurers.

What are the theft rates of the Toyota 4Runner?

Owning a popular vehicle means that there is a higher risk of it being stolen. Vehicles that have high theft rates are a red flag to insurers, and insurers will raise their rates to combat potential losses. Since you probably don’t want to deal with a stolen vehicle or higher rates, it’s important to check theft rates for your vehicle.

To find out how many Toyota 4Runners were stolen, we turned to the National Highway Traffic Safety Administration’s (NHTSA) data for 2014 (the last report year).

Toyota 4Runner Vehicle Thefts Rates by Model Year
Model YearTheftsProductionRateType
2001373830524.4912MPV
2002205851262.4082MPV
20031331012541.3135MPV
20041351220341.1062MPV
20071321091241.2096MPV
2008110595631.8468MPV
20091378031.6660MPV
201018133451.3488MPV
20112600.4566MPV
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Thieves targeted the older versions of the Toyota 4Runners more, 373 Toyota 4Runner 2001 models were stolen in 2014, but only 26 Toyota 4Runner 2011 models. Why is there such a large gap between models? Older vehicles are often easier to steal, as they lack the advanced anti-theft technology of newer vehicles.

Not only are newer vehicles stolen less, but most insurers will also offer you a discount for any anti-theft technology you have on your vehicle. The harder your vehicle is to steal, the less you will pay for car insurance. Keep reading to learn how theft will affect your comprehensive rates.

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How do theft rates of the Toyota 4Runner affect comprehensive car insurance rates?

You may recall that comprehensive coverage covers instances of theft, as well as natural disasters, animal collisions, and vandalism. Where you live can impact how much you pay for comprehensive coverage, as your Toyota 4Runner is more at risk of being stolen in a high crime area.

According to a study done by the U.S. Department of Justice, the highest risk areas are urban areas, due to the increased volume of crime. However, the study identified that the following areas in rural areas have increased theft rates:

  • Areas that have “higher concentrations of rental housing” and “areas with manufacturing or industrial land use.”
  • Businesses like car repair shops and car dealerships.
  • ATVs and mopeds are stolen more than cars in rural areas.

Insurers are aware of which areas are the riskiest for car theft, which is why they require an address when you sign up for insurance. This is why your rates can change significantly based on your city or ZIP code. So if you move to a new city with higher theft rates, don’t be surprised if the comprehensive rate on your Toyota 4Runner goes up (especially if your car is an older model).

How much will it cost to repair my Toyota 4Runner?

While we hope you only ever have to pay for minor maintenance like oil changes and new tires, it is important to look over the repair costs of a Toyota 4Runner. Cars with hard to find parts or expensive parts will cost significantly more to repair than a generic car.

According to Repair Pal, the average cost of repairs for a Toyota 4Runner is $514. This is slightly less than the average cost of repairs for midsize SUV, which is $573.

This average cost isn’t terrible, as it includes maintenance such as oil changes, but it is still rather high for repairs. Now that we know what the maintenance costs are, let’s take a look at Instant Estimator’s quotes for the cost of repairs for level 2 damages to a 2020 Toyota 4Runner four-door.

Toyota 4Runner Vehicle Repair Costs by Car Part and Labor Type
Car Part Front Bumper Rear Bumper Hood Roof Front Door Back Door Quarter Panel
Body Labor$128$128$80$80$132$120$80
Paint Labor$160$160$168$224$136$136$152
Paint Supplies $80$80$84$112$68$68$76
Color Tint $20$20$20$20$20$20$20
Cover Carn/a$10$10$10$10$10$10
Hazardous Waste Disposal$5$5$5$5$5$5$5
Color, Sand and Buff$20$20$20$20$20$10$20
Total: $413$423$387$471$391$379$363
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The costs above are a general estimate, based on the costs of labor, shipping, and repair parts. However, prices can vary depending on the level of damage done. For example, if you need a new body piece ordered, it’s going to cost more than if your repair shop just sands and paints a scratch on your car. However, if you have a special paint that’s hard to find, it will cost more to repair your vehicle.

The more common your paint color and repair parts, the cheaper your vehicle will be to repair. Your vehicle will also be cheaper to repair the older it gets, as parts will be less expensive to purchase. The exception is if your vehicle is so old that parts and paint have been decommissioned, which means it will be more of a headache for your repair shop and they may charge you extra for the time spent finding parts.

How does the cost of repairs affect collision and comprehensive car insurance rates?

How the cost of repairs affects collision and comprehensive car insurance rates is simple. If your vehicle is expensive to repair, you will have to pay more in premiums. Insurers require higher premiums to offset any repair costs they may have to pay later.

Since collision and comprehensive coverages pay for your repairs regardless of who was at fault for the accident, they are important coverages to have. You may recall that they cover the following situations:

  • Collision coverage protects you if you collide with another vehicle or an object like a phone pole.
  • Comprehensive coverage protects you if you collide with an animal, your car is stolen or vandalized, or natural disasters ruin your car.

Since these coverages cover a variety of situations, it is likely you will file under one coverage eventually. Bottom line? If your Toyota 4Runner has special parts or a discontinued paint color, your insurer will charge you more to offset the costs of more expensive repairs.

Are Toyotas expensive to insure? Read on to learn all about car insurance premiums and the Toyota 4Runner, and then enter your ZIP code above for a free car insurance comparison.

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How does the frequency of claims filed on Toyota 4Runners affect car insurance rates?

If a vehicle model has a high number of claims filed on it, insurers may raise their rates. Whether its a defect causing the paint to flake off or just that the people who purchase a vehicle type are prone to speeding (increasing the risk of speeding), a high number of claims impacts anyone who owns that type of car.

Because of this, insurers tend to at least look at the number of claims for a vehicle type, whether a vehicle is a passenger car/minivan, an SUV, or a pickup. Let’s take a look at the Insurance Information Institute’s (III) information on insurance losses from claims from 2016 to 2018.

Toyota 4Runner SUV Insurance Losses from Claims
Passenger Vehicle Collision Coverage Insurance Losses, 2016-2018 Model YearsPickups SUVsPassenger Cars and Minivans All Passenger Vehicles
Claim Frequency (per 100 insured vehicle years)6.26.5 8.47.3
Claim Severity $6,100$6,045$5,949$6,005
Overall Loss $380$393$501$438
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Toyota 4Runners fall into the SUV category, which means they fall into the middle of the three classes of vehicles for claims. There is an average of 6.5 claims per 100 vehicles for the SUV category, which is slightly more than pickups’ rates but less than the rate of passenger vehicles and minivans. The more claims an insurer has to pay, the higher it will increase its rate.

Also linked to claims and payments are liability amounts by state. The states have different requirements on how much insurance drivers must carry. A state with a higher liability amount means that insurers have to pay out more after a claim. However, this also applies to your costs. You will have to pay for the minimum liability amounts of coverage for a Toyota 4Runner.

So just how much will you be paying? Typically, you will have to buy liability coverage, but you will also need comprehensive coverage and collision coverage to be fully protected.

  • Liability coverage covers the costs of other drivers’ medical bills and property damages if you caused the accident.
  • Comprehensive coverage pays for the costs of your vehicle repairs if your car is damaged from weather, natural disasters, animal collisions, theft, or vandalism.
  • Collision coverage covers the costs of your vehicle repairs if your car is damaged from a collision with another vehicle or an object (like a telephone pole).

These three coverages are the basic building blocks of any good policy, and you should always have them. Take a look at the table below to see what insurance costs will look like for a Toyota 4Runner from QuoteInspector.

Toyota 4Runner Car Insurance Costs by Model Year
Model Year Comprehensive Collision Liability Total Rate
2014$270$424$384$1,214
2015$282$458$376$1,252
2016$298$474$364$1,272
2017$308$494$354$1,292
2018$320$506$338$1,300
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These rates are averaged off of all Toyota 4Runner models/trim levels and are based on a 40-year-old male driver who has a full coverage policy, $500 deductible, and a clean driving record. As you can see, even though the rates are for the exact same profile, they increased $86 over a five-year period.

What is the size and class of Toyota 4Runners?

The classic four-door Toyota 4Runner is classified as a midsize SUV, which means its curb weight is 3,751-4,750 pounds. There are two main factors that are used to classify cars’ size — weight and shadow. The shadow of the car is simply the overall length times the width in square feet. The class of a car means the body type of a car, such as a four-door SUV compared to a two-door truck.

The size and class of a vehicle are important, as insurers look at these categories to determine ratings. Why? Some cars simply do better in crashes, due to their weight and class.

Take a look at the list below to see examples of what other cars are in the same weight and class of a Toyota 4Runner (the following cars are considered the best midsize SUVs of 2020, according to U.S. News).

  • 2020 Hyundai Santa Fe
  • 2020 Hyundai Palisade
  • 2020 Kia Telluride
  • 2020 Mazda CX-9
  • 2020 Kia Sorento
  • 2020 Dodge Durango
  • 2020 Buick Enclave
  • 2020 Chevrolet Traverse
  • 2020 Honda Pilot
  • 2020 Subaru Ascent
  • 2020 Volkswagen Atlas
  • 2020 Jeep Grand Cherokee
  • 2020 Honda Passport
  • 2020 Ford Edge
  • 2020 Nissan Murano
  • 2020 Toyota Highlander
  • 2020 Ford Explorer
  • 2020 GMC Acadia
  • 2020 Chevrolet Blazer
  • 2020 Nissan Pathfinder
  • 2020 Dodge Journey

So how do the size and weight of these vehicles impact safety? Well, SUVs and pickups are heavier than regular cars (such as a minivan), which means the frames of these cars hold up better in crashes. This means you are less likely to die in a crash if you are in an SUV than in a car.

According to the Insurance Institute for Highway Safety (IIHS), “size and weight affect the forces people inside the vehicle experience during a crash.” Basically, the bigger the front of a vehicle is, the less likely it is that the people inside will be crushed. So even though a longer front may seem irritating when parking, a longer hood on your car will protect you in a crash.

The other factor, weight, is also simple. The heavier vehicle will suffer less in a crash, as more stress will be put on the lighter vehicle because the larger vehicle will “push” the smaller one away. Take a look at the statistics below to see the IIHS’s data on crash numbers for SUV vehicles in 2018.

  • There were 5,035 SUV passenger vehicle occupant deaths (22 percent).
  • There were 3,612 SUV passenger vehicle driver deaths (21 percent).

These numbers may seem high, but they are less than the numbers for regular cars (both of which were 57 percent). Since you can see how important size and class are to vehicle safety, we are going to look into how these factors influence car insurance rates. Let’s get started.

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How does the size of the Toyota 4Runner affect bodily injury liability car insurance rates?

Before we dive into how the size of a Toyota 4Runner will change your bodily injury liability rates, let’s take a moment to explain what bodily injury liability coverage is. The law requires all drivers to carry bodily injury liability coverage. This coverage will protect you if you cause an accident that injures another driver.

Bodily injury liability covers the injured driver’s medical bills, such as the ER visit and physical therapy after the accident.

If you don’t have bodily injury liability coverage, you will have to pay for the other driver’s medical bills out-of-pocket, in addition to facing fines and penalties for not carrying this insurance. Now that you know the importance of this coverage, let’s start the discussion on how this will change your rates.

Understandably, insurers will raise rates on vehicles that show high patterns of losses. For example, if SUV owners file more claims than pickup owners, than insurers will charge SUV owners slightly more. This rate rule can be broken up even further by vehicle class. Take a look at the table below to see the IIHS’s information on insurers’ losses for midsize SUV.

SUV Midsize Bodily Injury Losses
Car Make and ModelBodily Injury Losses
Volkswagen Tiguan 4dr 4WD-52%
Volkswagen Atlas 4dr 4WD-39%
Honda Pilot 4dr 4WD-36%
Volkswagen Tiguan 4dr-36%
Mazda CX-9 4dr-33%
Ford Edge 4dr 4WD-32%
Mazda CX-9 4dr 4WD-32%
Toyota 4Runner 4dr 4WD-32%
Honda Pilot 4dr-29%
GMC Acadia 4dr 4WD-27%
Ford Explorer 4dr 4WD-26%
Toyota Highlander 4dr 4WD-26%
Chevrolet Traverse 4dr 4WD-24%
Nissan Murano 4dr-24%
Toyota Highlander hybrid 4dr 4WD-22%
Ford Edge 4dr-17%
Ford Explorer 4dr-17%
Toyota Highlander 4dr-17%
Nissan Murano 4dr 4WD-16%
Toyota 4Runner 4dr-16%
Chevrolet Traverse 4dr-13%
Hyundai Santa Fe 4dr 4WD-12%
Jeep Grand Cherokee 4dr 4WD-10%
GMC Acadia 4dr-9%
Hyundai Santa Fe Sport 4dr 4WD-7%
Hyundai Santa Fe 4dr-3%
Hyundai Santa Fe Sport 4dr-3%
Jeep Wrangler 4dr 4WD (NEW)-3%
Jeep Grand Cherokee 4dr-2%
Kia Sorento 4dr 4WD-2%
Nissan Pathfinder 4dr 4WD1%
Kia Sorento 4dr7%
Ford Flex 4dr8%
Nissan Pathfinder 4dr9%
Jeep Cherokee 4dr 4WD12%
Jeep Wrangler 4dr 4WD24%
Dodge Journey 4dr 4WD25%
Jeep Cherokee 4dr32%
Dodge Journey 4dr55%
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In the case of losses, a negative number is better than a positive number. The Toyota 4Runner 4dr scored a -16 percent, which is considered average. However, the Toyota 4Runner 4dr 4WD scored a -32 percent, which is considered “substantially better than average.” This places this class of car at the top for best bodily injury losses.

This is great. Remember that losses are reflected in your premiums, as insurers will charge owners of cars with high losses more. To give you an idea of what you’ll pay for bodily injury liability coverage, we went and got actual quotes from Geico for 2019 Toyota 4Runner SR5/SR5 Premium/Limited editions. The parameters we set were:

  • A 40-year-old male driver in Pennsylvania.
  • $500 deductible.
  • No accidents on record.
  • Owned vehicle (not leased or loaned).
  • Annual mileage of 13,000 (average for most drivers).

Take a look at the table below for the basic rates from Geico for bodily injury liability coverage. The rate includes the minimum levels of required and essential coverages (liability, collision, and comprehensive), but shows how the overall rate changes when you adjust your bodily injury liability coverage.

Toyota 4Runner Bodily Injury Car Insurance Rates
Level of Bodily Injury Liability Coverage 6-Month Total Rates for Bodily Injury Liability Coverage
Low
($15,000/ $30,000)
$1,072.67
Medium
($100,000/ $200,000)
$1,122.90
High
($500,000/ $500,000)
$1,182.70
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The price difference is just over $100 between low and high coverage. For this price, it makes sense to at least get medium coverage. You’ll be glad you did if you ever have to use it after an accident.

How does the size of a Toyota 4Runner affect property damage liability car insurance rates?

The size of a vehicle also affects what you’ll pay, as bigger, sturdier vehicles usually have fewer damages after a collision with a smaller vehicle. This means that if you have a sturdy vehicle that does well in a crash, your property damage liability coverage may be cheaper. What exactly is property damage liability coverage?

Similar to bodily injury liability coverage, property damage liability will pay for damages you cause to other vehicles in an accident. The law requires all drivers to have this coverage. To see what the losses are for vehicles in the Toyota 4Runner’s class, take a look at the IIHS’s data below.

SUV Midsize Property Damage Losses
Car Make and ModelProperty Damage Losses
Volkswagen Tiguan 4dr 4WD-40%
Jeep Grand Cherokee SRT 4dr 4WD-39%
Volkswagen Tiguan 4dr-34%
Volkswagen Atlas 4dr 4WD-32%
Ford Flex 4dr 4WD-26%
Honda Pilot 4dr-25%
Buick Enclave 4dr 4WD-24%
Ford Edge 4dr 4WD-24%
Honda Pilot 4dr 4WD-21%
Nissan Murano 4dr-21%
Nissan Murano 4dr 4WD-18%
Chevrolet Traverse 4dr 4WD-17%
Ford Edge 4dr-16%
Ford Flex 4dr-15%
Toyota 4Runner 4dr 4WD-14%
Volkswagen Atlas 4dr-13%
Mazda CX-9 4dr 4WD-12%
Toyota Highlander 4dr 4WD-12%
Ford Explorer 4dr-11%
Toyota Highlander 4dr-11%
Ford Explorer 4dr 4WD-10%
GMC Acadia 4dr 4WD-9%
Buick Enclave 4dr-7%
Chevrolet Traverse 4dr-5%
GMC Acadia 4dr-5%
Hyundai Santa Fe Sport 4dr 4WD-5%
Toyota 4Runner 4dr-4%
Hyundai Santa Fe 4dr 4WD-3%
Hyundai Santa Fe Sport 4dr-3%
Mazda CX-9 4dr-3%
Toyota Highlander hybrid 4dr 4WD-3%
Hyundai Santa Fe 4dr-1%
Jeep Grand Cherokee 4dr1%
Kia Sorento 4dr1%
Kia Sorento 4dr 4WD1%
Jeep Grand Cherokee 4dr 4WD3%
Dodge Journey 4dr 4WD10%
Jeep Wrangler 4dr 4WD (NEW)11%
Nissan Pathfinder 4dr13%
Nissan Pathfinder 4dr 4WD15%
Jeep Cherokee 4dr 4WD22%
Jeep Cherokee 4dr25%
Dodge Journey 4dr29%
Jeep Wrangler 4dr 4WD55%
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The Toyota 4Runner’s loss rates for property damage aren’t as good as its loss rates for bodily injury liability. At -4 percent and -14 percent for both models, the loss ratios are considered average. Other sizes on the chart rank better, with the best loss rate marked as -40 percent. Now that we’ve looked at the losses, let’s see how the size of the Toyota 4Runner will affect your rates.

We’ve used the same parameters as in the last section to pull actual quotes from Geico for property damage rates.

Toyota 4Runner Property Damage Car Insurance Rates
Level of Property Damage
Liability Coverage
6-Month Total Rates
Low
$5,000
$1,031.47
Medium
$20,000
$1,069.74
High
$100,000
$1,097.69
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It will cost you about $66 to upgrade from low to high coverage for property damage. This means you will pay about an extra $10 a month to have better protection. Broken down like this, it doesn’t seem like to bad a price to pay for complete peace of mind after an accident.

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What are the safety features of the Toyota 4Runner?

Safety features in a vehicle can earn you discounts on your car insurance. According to AutoBlog.com, there are a number of safety features in the 2020 base model of a Toyota 4Runner. Take a look at the list below.

Toyota 4Runner Safety Features
Feature Purpose
Anti-Lock BrakesHelps prevent vehicles from being unable to turn during extreme braking.
Stability Control Sense when a vehicle is at it's handling limit and reduces the vehicle's engine power.
Front-Impact AirbagsProtects heads during front crashes.
Side Impact AirbagsProtect torsos during side crashes.
Overhead Airbags Protects heads during side crashes or rollovers.
Knee Airbags Protects legs from serious injury.
Pretensioners Tighten seatbelts during crashes to protect passengers.
Anti-Whiplash Head restraints that help prevent whiplash.
Security System Prevents car from starting if original manufacturer's key is not used.
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The Toyota 4Runner has all the basic safety features: airbags, seatbelt pre-tensioners, stability control, and more. The Toyota 4Runner commercial below focuses on the vehicle’s pre-collision warning.

You should always check the safety features of a vehicle, as more features mean a better chance of preventing a crash or coming out of a crash with minimal damage. Another important thing to check is the safety rating of a vehicle, which we cover in the next section.

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What are the safety ratings of the Toyota 4Runner?

Similar to safety features, good safety ratings can bring down the cost of your car insurance. Thousands of car crash fatalities happen every year, and insurers will reward you with lower rates if you reduce your chance of being a fatality by having a safe vehicle.

To determine the safety rating of vehicles, the IIHS evaluates a vehicle’s crashworthiness, which is “how well a vehicle protects its occupants,” and a vehicle’s crash avoidance and mitigation(safety features that can help drivers avoid a crash). The video below shows an example of IIHS testing the driver side crashworthiness of a 2014 Toyota 4Runner.

Now that you know what the IIHS is looking for, let’s take a look at the crashworthiness ratings the 2020 Toyota 4Runner has.

Toyota 4Runner Crashworthiness Rating
Crashworthiness Toyota 4Runner Rating
Driver-side small overlap frontMarginal
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatGood
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With the exception of the “driver-side small overlap front” crashworthiness rating, all of the factors received a good, which is the highest rating possible. Next, let’s see what the Toyota 4Runner received for crash avoidance and mitigation.

Toyota 4Runner Crash Avoidance and Mitigation Feature Ratings
Crash Avoidance
and Mitigation
Toyota 4Runner Rating
Headlights Poor
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Unfortunately, Toyota’s 4Runner headlights got a rating of poor. This is the lowest rating possible. Since headlights are vital to being able to see dangers on the road, this is a fairly significant problem with the Toyota 4Runner.

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How does the safety of the Toyota 4Runner compare to other vehicles with the same size and class?

Now that we know how the Toyota 4Runner rated at the IIHS, we want to look at how its fatality rates compared to vehicles in the same size and class. This will give us a good idea of how safe the vehicle is in a crash. Remember, the Toyota 4Runner belongs to the midsize SUV class, which is a sturdier brand of car that holds up better than cars.

Let’s start our analysis with the IIHS’s data on fatalities for passengers and drivers. The numbers below reflect the rate per million registered vehicles and are based on one to three-year-old vehicles.

Toyota 4Runner Fatality Rates
Registered Vehicles (SUVs)Fatalities Rate (per million people)
2,228,8673717%
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The rate for midsize SUV is much lower than the rate for midsize cars (41 percent). This means a Toyota 4Runner is considerably safer than a car in a crash. Let’s dig a little deeper into midsize SUV crash ratings by looking at fatalities by impact point. Remember when we showed you the video of the Toyota 4Runner side crash? Some vehicles hold up better than others in crashes that aren’t head-on.

So to see how midsize SUV hold up in multiple different crash situations, we are going to dig deeper into the IIHS’ data.

2018 Passenger Vehicle Occupant Deaths in All Crashes by Impact Point
Impact Point SUV Fatalities PercentageAll Occupant Fatalities Percentage
Rear Impact 2866%1,3106%
Side Impact 93018%5,35023%
Other Impact (mostly rollovers)1,03521%3,29914%
Frontal Impact 2,78455%12,93256%
All5,035-22,891-
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Fifty-five percent of all SUV fatalities are caused by frontal collisions. The second-most deadly type of crash was other impacts (rollovers). You can see that the numbers for all occupants (SUV, cars, and pickups) are similar, but SUV have fewer fatalities for side crashes.

Now that we know fatalities by crashes, let’s continue to analyze SUV fatalities by looking at occupant deaths per million registered passenger vehicles over the past 10 years.

SUV Fatalities Per Million Registered Passenger Vehicles 2009-2018
Year SUV Fatalities (Per Million)All Fatalities (Per Million)
20093669
20102961
20112452
20122349
20132648
20142444
20152951
20163251
20173351
20183250
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The number of SUV fatalities decreased after 2009, but it started to creep back up again after 2014. There could be a number of reasons for this, such as changes to the vehicle itself or just changes to local laws that brought fatality rates down.

Other Car Insurance Coverage Rates for a Toyota 4Runner

We have gone over quite a few coverages and how they affect the insurance rates of your Toyota 4Runner, but there are two more coverages we haven’t discussed yet — Personal Injury Protection (PIP) and MedPay. These coverages provide for your medical needs after an accident, so it’s important to know how much you will be paying for these coverages.

In the case of these coverages, it will be the safety ratings of your Toyota 4Runner that affect your car insurance rates. So keep reading to learn how much you will be paying for these two coverages.

How do safety ratings of the Toyota 4Runner affect Personal Injury Protection (PIP) car insurance rates?

PIP coverage is an essential coverage to have. People often worry about car repair protection for after an accident, but forget to place coverage on themselves. PIP covers the following:

  • Medical bills after an accident. This includes follow up visits and physical therapy.
  • Lost wages after an accident if you have to take time off to heal.

The better your vehicle does in a crash, the less likely you are to be injured an file a claim. Take a look at the IIHS’s data on losses for PIP to see where a Toyota 4Runner ranks on the list.

SUV Midsize Personal Injury Losses
Car Make and ModelPersonal Injury Losses
Jeep Wrangler 4dr 4WD (NEW)-37%
Toyota 4Runner 4dr 4WD-36%
Volkswagen Tiguan 4dr 4WD-36%
Volkswagen Atlas 4dr 4WD-33%
Jeep Wrangler 4dr 4WD-32%
Jeep Grand Cherokee 4dr-31%
Toyota Highlander hybrid 4dr 4WD-30%
Buick Enclave 4dr-29%
Volkswagen Atlas 4dr-29%
Buick Enclave 4dr 4WD-27%
Ford Edge 4dr 4WD-25%
Ford Explorer 4dr 4WD-25%
Jeep Grand Cherokee 4dr 4WD-23%
Mazda CX-9 4dr 4WD-23%
Toyota 4Runner 4dr-23%
Ford Edge 4dr-21%
Honda Pilot 4dr 4WD-20%
Ford Explorer 4dr-19%
Honda Pilot 4dr-19%
Mazda CX-9 4dr-19%
Chevrolet Traverse 4dr 4WD-18%
GMC Acadia 4dr 4WD-16%
Toyota Highlander 4dr 4WD-15%
Ford Flex 4dr 4WD-12%
Jeep Cherokee 4dr 4WD-11%
Nissan Murano 4dr-11%
Toyota Highlander 4dr-11%
Chevrolet Traverse 4dr-10%
Nissan Murano 4dr 4WD-9%
Volkswagen Tiguan 4dr-8%
Ford Flex 4dr-6%
GMC Acadia 4dr-6%
Hyundai Santa Fe Sport 4dr 4WD-2%
Hyundai Santa Fe 4dr-1%
Hyundai Santa Fe Sport 4dr0%
Hyundai Santa Fe 4dr 4WD3%
Kia Sorento 4dr 4WD5%
Jeep Cherokee 4dr11%
Nissan Pathfinder 4dr 4WD17%
Kia Sorento 4dr18%
Nissan Pathfinder 4dr24%
Dodge Journey 4dr 4WD26%
Dodge Journey 4dr77%
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A Toyota 4Runner four-door has a loss ratio of -23 percent, which is better than average. The Toyota 4Runner four-door 4WD has an even better loss ranking of -36 percent, which is substantially better than average. These insurance losses are great, as it means insurers will charge less for PIP on a Toyota 4Runner. It also means you are better protected in a Toyota 4Runner in a crash.

How do safety ratings of the Toyota 4Runner affect Med Pay car insurance rates?

Medical Payments (Med Pay) is similar to PIP coverage, as it covers medical bills after an accident. However, Med Pay does not cover lost wages after an accident. Because of this, Med Pay can sometimes be cheaper to buy than PIP coverage.

However, the insurance losses for your vehicle will be one of the main factors that impact what you’ll pay. Below is the IIHS’s data on losses for claims for Med Pay.

SUV Midsize Medical Payments Losses
Car Make and ModelMedical Payment Losses
Jeep Wrangler 4dr 4WD (NEW)-43%
Toyota 4Runner 4dr 4WD-38%
Toyota Highlander hybrid 4dr 4WD-36%
Volkswagen Atlas 4dr 4WD-36%
Jeep Grand Cherokee 4dr 4WD-32%
Ford Explorer 4dr 4WD-31%
Jeep Grand Cherokee 4dr-31%
Honda Pilot 4dr 4WD-30%
Jeep Wrangler 4dr 4WD-30%
Toyota 4Runner 4dr-30%
Toyota Highlander 4dr 4WD-30%
Ford Edge 4dr 4WD-28%
Honda Pilot 4dr-26%
Chevrolet Traverse 4dr 4WD-25%
Volkswagen Tiguan 4dr 4WD-25%
Volkswagen Tiguan 4dr-23%
Ford Explorer 4dr-21%
Ford Edge 4dr-20%
Mazda CX-9 4dr 4WD-18%
Toyota Highlander 4dr-18%
Hyundai Santa Fe 4dr 4WD-17%
GMC Acadia 4dr 4WD-15%
Jeep Cherokee 4dr 4WD-13%
Nissan Murano 4dr 4WD-13%
Nissan Murano 4dr-12%
GMC Acadia 4dr-9%
Kia Sorento 4dr 4WD-1%
Nissan Pathfinder 4dr 4WD0%
Ford Flex 4dr3%
Hyundai Santa Fe 4dr3%
Chevrolet Traverse 4dr4%
Hyundai Santa Fe Sport 4dr4%
Hyundai Santa Fe Sport 4dr 4WD5%
Jeep Cherokee 4dr12%
Nissan Pathfinder 4dr15%
Kia Sorento 4dr16%
Dodge Journey 4dr 4WD29%
Dodge Journey 4dr68%
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The losses for the Toyota 4Runner four-door is -30 percent (better than average). The losses for the Toyota 4Runner four-door 4WD is even better, coming in at -38 percent (substantially better than average). Once again, this means that you will pay less for MedPay if you own a Toyota 4Runner.

Overall, the Toyota 4Runner is a solid choice of vehicle. It has decent safety ratings and insurance prices, as the losses for the various different coverages are good. Theft rates for the Toyota 4Runner aren’t bad either, although older models are more at risk of being stolen.

Bottom line? The Toyota 4Runner is a solid choice of car, and knowing how your vehicle’s ratings affect your insurance rates will help you get the best rate possible. Shopping around for insurance will also help you save on your rates.

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The History of Toyota 4Runner

Toyota first developed the Toyota 4Runner in 1984 as a modification of the Toyota Pickup. The company intended for the Toyota 4Runner to be a more versatile vehicle that could handle off-road trails and still drive smoothly on roads. There have been five generations of Toyota 4Runners since 1984, each improving on the design before it.

The new 2020 Toyota 4Runner features multiple modern technologies like a touch screen, pre-collision warning system, lane departure warning, and more. The Toyota video below shows one of the models of the 2020 Toyota 4Runner tackling rough terrain.

There are eight different models of the Toyota 4Runner, which we’ve listed below.

  • SR5
  • SR5 Premium
  • TRD Off-Road
  • TRD Off-Road Premium
  • Venture Special Edition
  • Limited
  • Nightshade Edition
  • TRD Pro

The features between models are different, such as if there are heated outside mirrors or a moonroof. Our advice is to make a list of features you absolutely must have, such as a cargo basket or high-functioning fog lights, and start narrowing down models based on your list. So just how popular is the Toyota 4Runner?

According to GoodCarBadCar, the following numbers of Toyota 4Runners were sold in 2018 and 2019.

2018-2019 Toyota 4Runner Vehicle Sales
Sales PeriodNumber of Sales
2018 Month13,309
2019 Month11,529
Percent Change from 2018 Month to 2019 Month-13.37%
2018 Year to Date (YTD)139,694
2019 Year to Date (YTD)131,864
Percent Change from 2018 YTD to 2019 YTD-5.61%
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There was a decrease in sales in 2019 when compared to the number sold in 2018. The year to year percent change in vehicles sold was -5.61 percent. This means Toyota sold about 8,000 vehicles less in 2019 than they sold in 2018.

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Toyota 4Runner FAQs

Do you still have a few questions? To make sure we didn’t miss anything, we are going to go over a few frequently asked questions about the Toyota 4Runner and insurance rates. Stick with us as we finish our guide on the Toyota 4Runner.

What are the safety features that can reduce my insurance rates?

The 4Runner comes with the standard safety equipment for SUV and a few extras, including:

  • Side airbags for head curtain, airbags for three rows of seats, and front seat-mounted torso airbags
  • Rear clearance sonar
  • Vehicle stability control
  • Traction control
  • Rollover-sensor side-curtain airbags for every row, including an optional third row
  • Separate airbags for the passenger’s and driver’s knees in the lower instrument panel
  • Electronic stability control
  • Electronic brake-force distribution
  • Anti-lock brakes
  • Brake assist
  • Daytime running lights

Every model upgrade comes with more safety features, so even though you may pay more for the vehicle, you could earn a better discount for safety.

What are some similar options to the Toyota 4Runner?

Vehicles that are similar to the Toyota 4Runner are in the midsize SUV class. Some examples include the Jeep Grand Cherokee or the Toyota Highlander. If you like the look of the Toyota 4Runner but aren’t sure yet if it’s the vehicle for you, it’s important to look at safety ratings and insurance rates of other vehicles in the same class. Doing so will help you compare vehicle performance and price.

What information will I need when insuring a Toyota 4Runner?

When you apply for insurance for your Toyota 4Runner, you will usually need the following basic information:

  • Your personal information (name, birth date, address, etc.).
  • Past driving history or both you and any drivers on your policy.
  • Your current insurance information (if switching providers).
  • The make, model, or VIN of your vehicle.
  • Any lapses in insurance.

These are the basic details you will need to get a quote and apply for insurance.

Should I compare rates when shopping for Toyota 4Runner insurance?

Absolutely. Comparing rates at various providers is the best way to ensure you are getting the best rate possible. However, it’s important to make sure that the companies’ coverages are also good. A low price sometimes means skimping on coverages, which is never a good idea.

Does the color of my 4Runner affect my rate?

Your insurer doesn’t care if your car is a fire engine red or silver pearl. The only times color may affect your insurance rates are if you need repairs and have a customer paint job or your color is discontinued. In cases like these, insurers will be paying more for repairs, so they may charge you a little more.

We hope our guide to the Toyota 4Runner proved useful. Hopefully, you have learned everything you need to know about Toyota 4Runners and insurance rates. If you would like to start comparing rates today, enter your ZIP code in our free tool below.

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