We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota 4Runner is $166.17 a month — or $1,994.04 annually. Your actual cost could be more or less depending on your driving record, your ZIP, the number of miles you drive in a year and other specific factors.
A 2017 Toyota 4Runner starts at a base price of $34,210. With the average insurance rate at $2,724 per year, the annual insurance cost-to-base car price ratio is 8.0%.
Model Year
Progressive
Geico
State Farm
Farmers
Average
2011 Toyota 4Runner
$112.57
$93.99
$163.69
$147.98
$129.56
2016 Toyota 4Runner
$128.08
$106.06
$180.78
$160.72
$143.91
2021 Toyota 4Runner
$147.91
$117.94
$186.09
$212.72
$166.17
How we got these rates
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
You could save money on car insurance for your Toyota 4Runner if it comes equipped with these safety features.
Antilock brakes
Stability control
Airbags
Seatbelt pretensioners
Antitheft system
How safe is the Toyota 4Runner?
The Toyota 4Runner has been around since 1984 and it is currently in its fifth generation. The midsize SUV is known for its excellent off road capabilities and large cargo space.
In 2016, there has been over 111,000 sales in the US. In a 2016 study by iSeeCars.com, the Toyota 4Runner is the third longest lasting vehicles in the United States.
The 2017 Toyota 4Runner received a 4-Star Overall Safety Rating from the National Highway Traffic Safety Administration (NHTSA). The side crash test received 5 stars, the highest possible rating, from the NHTSA. The government organization also awarded a 4-star safety rating for the frontal crash test and 3 stars for the rollover crash test.
The Insurance Institute for Highway Safety (IIHS) rated the small overlap front test as marginal, a below average rating. All other crash tests performed by the IIHS received a good safety rating, the highest possible rating.
The Toyota 4Runner model includes downhill assist control, brake assist and smart stop technology.
How does the Toyota 4Runner compare to other car models?
From a price standpoint, the Toyota 4Runner ranks right in the middle of our list of the 360 priciest car models to insure.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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