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The average Toyota 4Runner car insurance rate for 2021 is $1,574 based on the profile of a 30-year-old driver. However, car insurance rates by state vary dramatically based on your ZIP code, among other factors. The state where you live plays a significant role in determining your insurance rate. For example, Michigan is the most expensive state for car insurance with an average insurance cost of $3,103 a year, whereas Maine has the lowest Toyota 4Runner insurance rates for full coverage, with an annual insurance cost of $942 on average for drivers aged 30.

Average insurance cost of Toyota 4Runner by model year
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Table
Year of Toyota 4Runner ModelAverage Cost to Insure
2020$1,518
2019$1,607
2018$1,551
2017$1,532
2016$1,522

Compare Toyota 4Runner Insurance Rates by State

L O A D I N G
Company Style Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate2WD 4 Door Utility$2,106$707$628
Geico2WD 4 Door Utility$1,409$548$391
Farmers2WD 4 Door Utility$2,487$1,101$949
Nationwide2WD 4 Door Utility$2,571$937$696
Progressive2WD 4 Door Utility$1,741$642$439
State Farm2WD 4 Door Utility$2,146$801$569
Allstate4WD 4 Door Utility$2,106$707$628
Geico4WD 4 Door Utility$1,485$568$406
Farmers4WD 4 Door Utility$2,326$1,136$971
Nationwide4WD 4 Door Utility$2,430$909$675
Progressive4WD 4 Door Utility$1,794$617$424
State Farm4WD 4 Door Utility$2,146$801$569

2020 Toyota 4Runner Insurance Rates

companiesAverage Premium
State Farm$1,149
Geico$1,161
Progressive$1,324
Nationwide$1,359
Farmers$1,754
Allstate$2,360
Average Cost to Insure $1,518/year
Cheapest Rate $1,149/year
Available Trims Limited, SR5, TRD OFF-ROAD, TRD Pro

2019 Toyota 4Runner Insurance Rates

companiesAverage Premium
Geico$1,139
State Farm$1,235
Nationwide$1,300
Progressive$1,642
Farmers$2,092
Allstate$2,233
Average Cost to Insure $1,607/year
Cheapest Rate $1,139/year
Available Trims Limited, SR5, TRD OFF-ROAD, TRD Pro

2018 Toyota 4Runner Insurance Rates

companiesAverage Premium
Geico$1,096
State Farm$1,197
Nationwide$1,313
Progressive$1,617
Allstate$2,039
Farmers$2,043
Average Cost to Insure $1,551/year
Cheapest Rate $1,096/year
Available Trims Limited, SR5, TRD OFF-ROAD, TRD Pro

2017 Toyota 4Runner Insurance Rates

companiesAverage Premium
Geico$1,089
State Farm$1,175
Nationwide$1,323
Progressive$1,598
Farmers$1,996
Allstate$2,009
Average Cost to Insure $1,532/year
Cheapest Rate $1,089/year
Available Trims Limited, SR5, TRD OFF-ROAD, TRD Pro

2016 Toyota 4Runner Insurance Rates

companiesAverage Premium
Geico$1,016
State Farm$1,190
Nationwide$1,396
Progressive$1,579
Allstate$1,924
Farmers$2,026
Average Cost to Insure $1,522/year
Cheapest Rate $1,016/year
Available Trims Limited, SR5, TRD OFF-ROAD, TRD Pro