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Toyota 4Runner Car Insurance
Get comprehensive coverage for your Toyota 4Runner. Compare quotes from top insurers and find the best rates available.
About the Toyota 4Runner
The Toyota 4Runner is a rugged mid-size SUV known for its off-road capability and reliability. With body-on-frame construction and available 4WD systems, it's built for adventure while providing comfortable daily driving.
Safety Features
Advanced safety technology protecting you and your passengers
Toyota Safety Sense 3.0
Pre-collision system with pedestrian detection, lane departure alert, and adaptive cruise control
Multi-Terrain Select
Advanced traction control for various off-road conditions
Trailer Sway Control
Stability system for safe towing
Crawl Control
Low-speed off-road driving assistance
Hill Start Assist
Prevents rollback on inclines
Factors That Impact Insurance Costs
What affects your Toyota 4Runner insurance premium
Higher center of gravity increases rollover risk in accidents
Strong theft deterrent systems help lower comprehensive costs
Off-road capability may lead to higher claim rates
Excellent reliability ratings help reduce long-term insurance costs
Frequently Asked Questions
How much does Toyota 4Runner insurance cost?
The average annual cost for full coverage on a Toyota 4Runner is around $3200, while minimum coverage averages $1400. Your actual rate depends on factors like your driving record, location, age, and coverage selections.
Is the Toyota 4Runner expensive to insure?
The Toyota 4Runner is generally affordable to insure compared to other vehicles in its class. Its strong safety ratings, reasonable repair costs, and good reliability record help keep insurance premiums competitive.
What factors affect Toyota 4Runner insurance rates?
Key factors include the vehicle's safety ratings, repair costs, theft rates, your driving history, age, location, credit score, and the coverage levels you choose. Bundling policies and maintaining a clean driving record can help lower your rates.
Does the Toyota 4Runner qualify for safety discounts?
Yes, the Toyota 4Runner's advanced safety features like collision mitigation braking, lane keeping assist, and adaptive cruise control often qualify for insurance discounts. Ask your insurer about available safety feature discounts.
How can I save on Toyota 4Runner insurance?
Compare quotes from multiple insurers, bundle with home or renters insurance, maintain a clean driving record, consider higher deductibles, ask about available discounts (safe driver, low mileage, multi-vehicle), and review your coverage annually.
Other Toyota Models
Compare insurance options for other Toyota vehicles
Ready to Save on Toyota 4Runner Insurance?
Compare quotes from top insurers and find the best rate for your vehicle
Rates shown are for a 30-year-old male with full coverage and a clean driving record in 2025. Your actual costs will vary based on your vehicle's trim, modifications, and driving history.