Insurance premiums for a Toyota 4Runner average $169 monthly for full coverage and $87 for minimum coverage. Trim level and model year affect costs, with monthly premiums ranging from $42 to $247.
Toyota 4Runner Insurance Cost
Updated: August 3, 2026
Key Takeaways
GEICO offers the most affordable Toyota 4Runner insurance on average, though full coverage costs vary widely by model year and company, averaging around $169 a month. Read more.
SUVs carry higher premiums due to increased repair costs and theft risk, placing the 4Runner 77th out of 256 SUVs for affordability in a middle-tier position. Read more.
Teen drivers on your policy make model year crucial for accurate 4Runner insurance quotes, as rates differ across years and companies. Read MoneyGeek's analysis of rates by company for specific 4Runner model years depending on the age of the drivers.
How Much Is Toyota 4Runner Insurance?
| Toyota 4runner | $87 | $169 |
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Insurance costs for your Toyota 4Runner vary widely by model year, from $78 a month for older vehicles to $324 for the latest models. Like most vehicles, newer 4Runners cost more to insure because their fair market value is higher.
Insurance costs for a Toyota 4Runner depend on model year and company. Full coverage goes from $122 a month with GEICO to $305 with AIG; minimum coverage spans $56 with GEICO to $141 with UAIC.
Toyota 4Runner owners can save by comparing insurers, as minimum coverage varies by over $85 and full coverage by over $183. Each company calculates risk differently for the Toyota 4Runner, and that difference shows up in your final quote.
| AAA | $100 | $207 |
| AIG | $123 | $305 |
| Allstate | $115 | $223 |
| Amica | $109 | $223 |
| Chubb | $114 | $227 |
| Farmers | $134 | $237 |
| Geico | $56 | $122 |
| Kemper | $89 | $180 |
| Nationwide | $90 | $155 |
| Progressive | $81 | $152 |
| State Farm | $85 | $178 |
| The Hartford | $94 | $161 |
| Travelers | $73 | $134 |
| UAIC | $141 | $178 |
Is Toyota 4Runner Expensive to Insure?
MoneyGeek's analysis of 256 SUVs places the Toyota 4Runner 77th for insurance affordability, in the middle tier. The 4Runner costs a few dollars more per month than a Chevrolet Tahoe but less than a Mercedes GLK-Class, with 76 SUV models offering lower insurance rates.
Across all 827 vehicles analyzed, the 4Runner ranks 328th, putting it in the top half for overall affordability despite landing mid-pack among SUVs. SUVs carry higher insurance costs than sedans or compact cars, and the 4Runner's ranking reflects reasonable rates for the segment. The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron commands the highest premiums.
| GMC Acadia | $127 | 74 |
| Mazda MX-30 | $127 | 75 |
| Chevrolet Tahoe | $127 | 76 |
| Toyota 4Runner | $128 | 77 |
| Mercedes GLK-Class | $128 | 77 |
| Infiniti FX | $128 | 78 |
| Jeep Renegade | $129 | 79 |
| Hyundai Santa Fe | $129 | 80 |
Three factors shape Toyota 4Runner insurance costs:
- Average repair or replacement costs: Toyota 4Runner repair costs average $759 per year, ranking 15th most expensive among 32 Toyota models to maintain. That moderate maintenance cost keeps insurance premiums competitive compared to higher-maintenance vehicles.
- Vehicle trim, features and accessories: The 4Runner's performance capabilities range from 270 to 278 horsepower and include off-road-focused features. Higher trims with enhanced performance and off-road accessories cost more to insure, as insurers treat increased power and capability as elevated risk factors.
- Driver profile: Most Toyota 4Runner drivers are 30 to 50 years old, with a median age of around 40. That mature demographic tends toward lower rates, but the 4Runner's rugged performance reputation can attract risk-taking behaviors that push premiums higher. Read more about the costs of Toyota 4Runners for young drivers.
Toyota 4Runner Costs by Model Year and Driver Age by Insurance Company
A 2000 Toyota 4Runner costs $106 per month to insure for drivers aged 35 to 55. A 2025 model runs $230 per month for the same coverage, a $124 monthly difference driven by model year alone. Teen and young adult drivers pay more across every model year, regardless of which they choose.
GEICO offers the most affordable rates across all 4Runner model years, with potential savings of hundreds per month compared to average costs. Pulling quotes from multiple insurers is the most effective way to reduce the premium.
Rates for recent model years of the Toyota 4Runner:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota 4Runner
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $751 | $687 | $632 | $537 | $454 | $294 | $273 | $255 | $241 | $215 |
| Geico | $834 | $609 | $512 | $371 | $320 | $258 | $238 | $197 | $186 | $169 |
| State Farm | $867 | $763 | $674 | $583 | $515 | $437 | $397 | $355 | $324 | $286 |
| Travelers | $931 | $669 | $528 | $407 | $359 | $264 | $241 | $222 | $206 | $178 |
| Progressive | $1,235 | $998 | $828 | $461 | $402 | $325 | $289 | $258 | $238 | $204 |
| Allstate | $1,351 | $1,058 | $854 | $632 | $566 | $441 | $400 | $378 | $356 | $315 |
| Farmers | $1,872 | $1,389 | $1,234 | $766 | $722 | $549 | $490 | $468 | $445 | $373 |
Cost of Car Insurance for 2024 Toyota 4Runner
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $607 | $555 | $511 | $433 | $366 | $238 | $220 | $206 | $194 | $174 |
| Geico | $674 | $492 | $413 | $300 | $258 | $208 | $192 | $159 | $150 | $137 |
| State Farm | $701 | $616 | $545 | $471 | $416 | $353 | $321 | $286 | $262 | $231 |
| Travelers | $752 | $540 | $426 | $329 | $290 | $213 | $195 | $180 | $166 | $144 |
| Progressive | $997 | $806 | $669 | $372 | $325 | $262 | $234 | $209 | $192 | $165 |
| Allstate | $1,091 | $854 | $689 | $510 | $457 | $356 | $323 | $305 | $288 | $254 |
| Farmers | $1,511 | $1,122 | $997 | $618 | $583 | $444 | $395 | $378 | $359 | $301 |
Cost of Car Insurance for 2023 Toyota 4Runner
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $615 | $562 | $517 | $439 | $371 | $241 | $223 | $208 | $197 | $176 |
| Geico | $682 | $499 | $419 | $304 | $262 | $211 | $195 | $161 | $152 | $138 |
| State Farm | $710 | $624 | $552 | $477 | $421 | $358 | $325 | $290 | $265 | $234 |
| Travelers | $762 | $547 | $432 | $333 | $294 | $216 | $197 | $182 | $168 | $145 |
| Progressive | $1,010 | $817 | $678 | $377 | $329 | $266 | $237 | $211 | $195 | $167 |
| Allstate | $1,106 | $866 | $698 | $517 | $463 | $361 | $327 | $309 | $292 | $258 |
| Farmers | $1,531 | $1,136 | $1,010 | $627 | $591 | $449 | $401 | $383 | $364 | $305 |
Cost of Car Insurance for 2022 Toyota 4Runner
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $574 | $525 | $483 | $410 | $347 | $225 | $208 | $195 | $184 | $165 |
| Geico | $637 | $466 | $391 | $284 | $244 | $197 | $182 | $150 | $142 | $129 |
| State Farm | $663 | $583 | $515 | $446 | $393 | $334 | $303 | $271 | $248 | $218 |
| Travelers | $711 | $511 | $403 | $311 | $274 | $202 | $184 | $170 | $157 | $136 |
| Progressive | $943 | $762 | $633 | $352 | $307 | $248 | $221 | $197 | $182 | $156 |
| Allstate | $1,033 | $808 | $652 | $483 | $432 | $337 | $306 | $289 | $272 | $241 |
| Farmers | $1,430 | $1,061 | $943 | $585 | $552 | $420 | $374 | $357 | $340 | $285 |
Cost of Car Insurance for 2021 Toyota 4Runner
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $534 | $488 | $449 | $381 | $322 | $209 | $194 | $181 | $171 | $153 |
| Geico | $593 | $433 | $364 | $264 | $227 | $183 | $169 | $140 | $132 | $120 |
| State Farm | $616 | $542 | $479 | $414 | $366 | $311 | $282 | $252 | $230 | $203 |
| Travelers | $661 | $475 | $375 | $289 | $255 | $188 | $171 | $158 | $146 | $126 |
| Progressive | $877 | $709 | $588 | $328 | $286 | $231 | $206 | $184 | $169 | $145 |
| Allstate | $960 | $752 | $607 | $449 | $402 | $314 | $284 | $269 | $253 | $224 |
| Farmers | $1,330 | $987 | $877 | $544 | $513 | $390 | $348 | $332 | $316 | $265 |
Cost of Car Insurance for 2020 Toyota 4Runner
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $487 | $446 | $410 | $348 | $294 | $191 | $177 | $165 | $156 | $140 |
| Geico | $541 | $395 | $332 | $241 | $207 | $167 | $154 | $128 | $121 | $110 |
| State Farm | $563 | $495 | $437 | $378 | $334 | $284 | $258 | $230 | $210 | $185 |
| Travelers | $604 | $434 | $342 | $264 | $233 | $171 | $156 | $144 | $133 | $115 |
| Progressive | $801 | $647 | $537 | $299 | $261 | $211 | $188 | $168 | $154 | $133 |
| Allstate | $876 | $686 | $554 | $410 | $367 | $286 | $260 | $245 | $231 | $204 |
| Farmers | $1,214 | $901 | $800 | $497 | $468 | $356 | $317 | $303 | $288 | $242 |
Cost of Car Insurance for 2019 Toyota 4Runner
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $712 | $626 | $554 | $479 | $422 | $359 | $326 | $291 | $266 | $234 |
| Geico | $768 | $561 | $471 | $342 | $295 | $238 | $219 | $181 | $172 | $156 |
| Nationwide | $768 | $703 | $647 | $549 | $464 | $301 | $279 | $260 | $246 | $220 |
| Travelers | $905 | $653 | $516 | $398 | $352 | $259 | $237 | $218 | $202 | $174 |
| Allstate | $1,116 | $875 | $706 | $523 | $468 | $365 | $332 | $313 | $295 | $261 |
| Progressive | $1,255 | $1,014 | $842 | $468 | $408 | $329 | $294 | $262 | $241 | $207 |
| Farmers | $1,614 | $1,195 | $1,064 | $663 | $626 | $477 | $425 | $406 | $386 | $324 |
Cost of Car Insurance for 2018 Toyota 4Runner
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $717 | $631 | $558 | $482 | $425 | $362 | $329 | $293 | $268 | $236 |
| Geico | $797 | $582 | $489 | $355 | $306 | $247 | $228 | $188 | $178 | $162 |
| Nationwide | $832 | $762 | $701 | $595 | $503 | $326 | $303 | $282 | $267 | $239 |
| Travelers | $955 | $694 | $551 | $425 | $377 | $271 | $248 | $230 | $213 | $181 |
| Allstate | $1,141 | $893 | $721 | $533 | $478 | $372 | $338 | $319 | $301 | $266 |
| Progressive | $1,364 | $1,103 | $915 | $509 | $444 | $358 | $319 | $285 | $262 | $225 |
| Farmers | $1,835 | $1,358 | $1,207 | $747 | $705 | $536 | $477 | $456 | $434 | $364 |
Cost of Car Insurance for 2017 Toyota 4Runner
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $656 | $577 | $511 | $441 | $389 | $331 | $301 | $269 | $246 | $216 |
| Nationwide | $750 | $686 | $632 | $536 | $453 | $294 | $272 | $254 | $240 | $215 |
| Geico | $782 | $572 | $480 | $349 | $300 | $242 | $223 | $185 | $175 | $159 |
| Travelers | $843 | $607 | $479 | $369 | $325 | $240 | $219 | $202 | $187 | $162 |
| Allstate | $1,063 | $832 | $671 | $495 | $444 | $346 | $314 | $297 | $280 | $247 |
| Progressive | $1,265 | $1,022 | $848 | $472 | $411 | $332 | $296 | $264 | $243 | $208 |
| Farmers | $1,582 | $1,171 | $1,043 | $650 | $614 | $468 | $417 | $399 | $379 | $318 |
Cost of Car Insurance for 2016 Toyota 4Runner
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Toyota 4Runner Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $686 | $603 | $533 | $461 | $407 | $346 | $314 | $281 | $257 | $226 |
| Geico | $730 | $533 | $448 | $325 | $280 | $226 | $208 | $172 | $163 | $148 |
| Nationwide | $812 | $743 | $684 | $581 | $491 | $318 | $295 | $275 | $260 | $233 |
| Travelers | $892 | $648 | $515 | $397 | $353 | $251 | $230 | $213 | $198 | $167 |
| Allstate | $1,027 | $806 | $649 | $478 | $429 | $334 | $303 | $287 | $270 | $239 |
| Progressive | $1,230 | $992 | $823 | $457 | $399 | $322 | $287 | $256 | $236 | $202 |
| Farmers | $1,703 | $1,260 | $1,121 | $691 | $652 | $494 | $441 | $421 | $401 | $337 |
Toyota 4Runner Insurance Cost by Trim
Toyota 4Runner insurance costs range from $42 a month for minimum coverage on basic Sport Utility 4D models to $247 for full coverage on high-performance I-Force Trailhunter variants. Performance features and market value drive the cost differences between trim levels.
| Sport Utility 4d | $42 | $82 |
| Venture Sport Utility 4d | $71 | $138 |
| Nightshade Special Edition Sport Utility 4d | $75 | $147 |
| Sr5 | $76 | $149 |
| Trail Special Edition Sport Utility 4d | $76 | $149 |
| Venture Special Edition Sport Utility 4d | $77 | $150 |
| Trd Sport Suv 4d | $78 | $152 |
| Sr5 Sport Utility 4d | $80 | $156 |
| Sr5 Premium | $81 | $157 |
| Trd Off-Road Premium Sport Utility 4d | $84 | $162 |
| Trd Off-Road Sport Utility 4d | $84 | $164 |
| Sport Suv 4d | $85 | $164 |
| Trd Sport | $85 | $166 |
| Sr5 Premium Sport Utility 4d | $85 | $166 |
| 40th Anniversary Special Edition Sport Utility 4d | $86 | $168 |
| Limited Sport Utility 4d | $87 | $168 |
| Trd Off-Road | $88 | $172 |
| Trail Premium Sport Utility 4d | $90 | $175 |
| Trail Sport Utility 4d | $92 | $178 |
| Trd Off-Road Premium | $96 | $187 |
| Trd Pro Sport Utility 4d | $97 | $189 |
| Limited | $99 | $192 |
| I-Force Trd Off-Road | $99 | $193 |
| Trd Sport Premium | $100 | $196 |
| Trd Pro | $103 | $201 |
| Limited Nightshade Edition Sport Utility 4d | $106 | $207 |
| I-Force Trd Off-Road Premium | $110 | $214 |
| I-Force Limited | $115 | $223 |
| I-Force Platinum | $119 | $233 |
| I-Force Trd Pro | $127 | $247 |
| I-Force Trailhunter | $127 | $247 |
Toyota 4Runner Insurance Cost by State
Toyota 4Runner insurance costs range from $32 a month in Wyoming to $170 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations drive these differences, not the vehicle itself.
| Alabama | $74 | $141 |
| Alaska | $61 | $131 |
| Arizona | $106 | $198 |
| Arkansas | $73 | $162 |
| California | $83 | $168 |
| Colorado | $85 | $203 |
| Connecticut | $116 | $201 |
| Delaware | $117 | $197 |
| District Of Columbia | $96 | $177 |
| Florida | $108 | $252 |
| Georgia | $123 | $203 |
| Hawaii | $46 | $103 |
| Idaho | $48 | $97 |
| Illinois | $80 | $149 |
| Indiana | $57 | $112 |
| Iowa | $50 | $121 |
| Kansas | $64 | $150 |
| Kentucky | $105 | $179 |
| Louisiana | $170 | $363 |
| Maine | $46 | $96 |
| Maryland | $130 | $219 |
| Massachusetts | $86 | $183 |
| Michigan | $137 | $264 |
| Minnesota | $73 | $151 |
| Mississippi | $78 | $155 |
| Missouri | $104 | $207 |
| Montana | $64 | $151 |
| Nebraska | $65 | $147 |
| Nevada | $150 | $270 |
| New Hampshire | $61 | $108 |
| New Jersey | $138 | $228 |
| New Mexico | $72 | $160 |
| New York | $105 | $189 |
| North Carolina | $71 | $138 |
| North Dakota | $56 | $121 |
| Ohio | $65 | $127 |
| Oklahoma | $82 | $182 |
| Oregon | $101 | $177 |
| Pennsylvania | $76 | $178 |
| Rhode Island | $106 | $189 |
| South Carolina | $85 | $159 |
| South Dakota | $49 | $150 |
| Tennessee | $67 | $137 |
| Texas | $108 | $221 |
| Utah | $94 | $160 |
| Vermont | $41 | $97 |
| Virginia | $82 | $133 |
| Washington | $78 | $145 |
| West Virginia | $76 | $156 |
| Wisconsin | $57 | $125 |
| Wyoming | $32 | $101 |
How to Lower the Cost of Toyota 4Runner Insurance
These proven strategies help you reduce Toyota 4Runner premiums and find better insurance rates:
- 1Choose the right coverage
Ownership status determines how much coverage to buy for a Toyota 4Runner. Drivers who own outright can opt for state minimum liability plus comprehensive and collision with a $1,000 deductible to keep premiums lower. Those wanting enhanced protection can choose 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Average auto insurance costs for SUVs establish a baseline for the 4Runner. Comparing the cheapest car insurance companies from there helps identify competitive rates and spot inflated quotes.
- 3Look for more than just low rates
Quality car insurance means more than low quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback about claims processing. Review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers may offer limited coverage or slower claim service when you need it most.
- 4Ask about qualifying discounts
Several car insurance discounts apply directly to Toyota 4Runner owners. Safety features, anti-theft devices, clean driving records and bundling auto and home policies can all reduce the annual premium.
- 5Find alternative car insurance types
Toyota 4Runner owners with cars that have low mileage or who drive carefully may qualify for usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track driving habits so you can lower premiums if you're a safe driver.
- 6Check rates every year
Compare car insurance quotes from multiple companies each year. Your current insurer won't notify you when competitors lower their prices, and switching carriers could save up to 24%.
Toyota 4Runner Insurance Cost: Bottom Line
Toyota 4Runner insurance lands in the mid-range for cost, but comparing quotes from multiple insurers and claiming available discounts can bring your premium down. Adjusting your coverage limits and deductible also gives you more control over what you pay.
Toyota 4Runner Insurance Rates: FAQ
Toyota 4Runner insurance costs $1,044 annually for state minimum coverage and $2,027 yearly for full coverage, both below national averages.
GEICO provides the most affordable minimum coverage for a Toyota 4Runner at $675 annually. Toyota 4Runner owners seeking full coverage also find the best value with GEICO at $1,466 per year.
No, Toyota 4Runner insurance is not more expensive than most vehicles. Among SUVs, this model places 77th out of 256 for affordability and ranks 328th out of 827 total vehicles we track.
Several elements affect your Toyota 4Runner insurance premiums. Your driving record and credit score have a considerable impact on rates, as do the coverage levels you select. The 4Runner's SUV classification and repair costs also factor into how insurers price the policy.
Compare quotes from multiple insurers since Toyota 4Runner costs differ considerably between companies, and look into usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance and maintain a clean driving record to get lower rates.
How We Determined Toyota 4Runner Insurance Costs
MoneyGeek studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Toyota 4Runner insurance costs.
Standard Driver Profile
Toyota 4Runner rates reflect a 40-year-old unmarried male driver with a clean record (no tickets or crashes), a good credit score, no prior claims, approximately 12,000 miles driven annually and a valid license with no suspensions.
Coverage Definitions
Minimum coverage reflects state-required liability limits. Full coverage includes 100/300/100 liability plus comprehensive and collision coverage with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.