The 2024 Toyota 4Runner costs an average of $1,920 per year ($160/month) to insure for full coverage — $84 below the national average.
How Much Does It Cost to Insure a Toyota 4Runner?
The average cost to insure a 2024 Toyota 4Runner is $1,920 per year ($160/month) for full coverage — $84 below the national average of $2,004. This vehicle's insurance cost is driven by older design means below-average crash scores but Toyota reliability and parts availability manage overall costs.
| Insurer | Full Coverage/Yr | Liability Only/Yr | Best For |
|---|---|---|---|
| Geico | $1,612 | $614 | Clean record drivers |
| State Farm | $1,862 | $710 | Local agent experience |
| Progressive | $2,073 | $787 | High-risk drivers |
| Allstate | $2,284 | $864 | New car replacement |
| Nationwide | $1,747 | $672 | Safe driver rewards |
| USAA | $1,401 | $537 | Military only |
What Factors Determine Toyota 4Runner Insurance Rates
- Model year: Newer Toyota 4Runner models cost more to insure due to higher vehicle values and more expensive technology components.
- Trim level: Higher trim levels with more features cost more since repairs are more expensive.
- Your location: Toyota 4Runner insurance rates can vary by 50–100% between states.
- Your driving record: Your personal driving history affects your rate far more than the vehicle itself.
- Deductible choice: A $1,000 deductible instead of $500 reduces your Toyota 4Runner premium by approximately 15–20 percent.
Cheapest Way to Insure a Toyota 4Runner
- Compare at least 5 insurers — rates for the Toyota 4Runner vary significantly between companies.
- Bundle your Toyota 4Runner insurance with home or renters insurance for 10–25% multi-policy savings.
- Choose a higher deductible to save 15–20 percent on collision and comprehensive.
- Enroll in a telematics program if you are a safe driver for 10–30% additional savings.
- Ask about anti-theft and safety feature discounts that apply to the Toyota 4Runner.
Pro Tip
Get insurance quotes for the Toyota 4Runner before purchasing. The difference in insurance cost between trim levels and model years can be $400–$800 per year — a significant factor in total 5-year ownership cost.