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Toyota 4Runner Car Insurance

Edited by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: January 25th, 2024

The average cost to insure a Toyota 4Runner is $1,941 a year. However, the price you’ll pay for Toyota 4Runner insurance will depend on the year and trim level of your specific Toyota 4Runner. Other factors, like where you live, will also affect your rates.

What does it cost to insure my Toyota 4Runner?

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Last updated: January 25th, 2024

Is it expensive to insure a Toyota 4Runner?

The Toyota 4Runner is not considered expensive to insure compared to the average cost of car insurance. On average, it costs $1,941 per year, which is lower than the overall average cost of car insurance, which is $2,123 annually. However, it’s important to note that newer model years and higher trim levels of the 4Runner may have higher insurance costs due to their higher value and cost of repairs and replacement parts. Overall, the Toyota 4Runner is a reasonably priced vehicle to insure, but costs may vary based on specific factors like model year, trim level, and features.

Average Annual Premium by Trim Level for a Toyota 4Runner

Toyota 4Runner insurance cost by year

According to the data, the average cost of insurance for a Toyota 4Runner in 2023 varies based on the model year of the car. For the year 2023, the average annual premium is $1,941. Out of the listed years, the least expensive average premium was for the 2014 model year at $1,541. This indicates that older model years generally have lower insurance costs.

Average Annual Premium by Model Year for a Toyota 4Runner

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

Best car insurance companies for your Toyota 4Runner

The table below shows an average of how much it costs to insure a 2023 base model Toyota 4Runner at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.

Click here to see what it would cost to insure your Toyota 4Runner at top providers near you >

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

How expensive is it to insure a Toyota 4Runner compared to other SUVs?

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

While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.

Your Toyota 4Runner may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.

How much should I expect to pay to insure my Toyota?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

How much is insurance on a Toyota 4Runner?

The average annual cost of car insurance for a 2023 Toyota 4Runner with base trim is $1,941. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

Is Toyota 4Runner expensive to insure?

No, the Toyota 4Runner is slightly less expensive to insure than the average vehicle, with an average insurance cost of $1,941 compared to the overall average of $2,123.

How can I get cheaper car insurance?

One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.


Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.