Vehicles > Toyota > 4Runner

Toyota 4Runner Insurance Quotes

Buying auto insurance by quoting online is simple to do and at the same time you may find lower rates. The critical component is to compare as many rate quotes as possible in order to accurately compare every company's rates.

Shopping online for auto insurance is challenging if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. Getting better 4Runner insurance cost is a fairly straight forward process. The only thing you need to do is take time to compare quotes online with multiple companies. This can be accomplished by getting a quick quote here.

What influences the rate you pay?

Insurance premiums for a Toyota 4Runner will vary greatly subject to many criteria. Taken into consideration are:

  • High miles vs. low miles
  • Women generally pay lower rates
  • A good credit score can save you money
  • Higher performance 4Runner vehicles cost more
  • Driving citations increase rates
  • The size of your community
  • Your vehicle use rating can impact rates
  • Being married can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older Toyota models so the payout to repair will push premiums up. Although more recent Toyota vehicles have more advanced features included like tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights so those may help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages

4Runner liability coverage will cover damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Toyota caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 4Runner collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper 4Runner insurance quotes.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and may carry a deductible.

How Much are Toyota 4Runner Insurance Rates?

Popular U.S. Cities for Toyota 4Runner Insurance

  • Tulsa, OK
  • Mesa, AZ
  • Arlington, TX
  • Jacksonville, FL
  • El Paso, TX
  • Charlotte, NC
  • Denver, CO
  • Omaha, NE
  • San Francisco, CA
  • San Antonio, TX
  • Sacramento, CA
  • Seattle, WA
  • Louisville, KY
  • Oklahoma City, OK
  • Austin, TX