Toyota 4Runner insurance: Are Toyota 4runners expensive to insure?
Written by Ashlee Tilford
Managing Editor
Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn't writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky.
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.
Insurance.com research suggests that the cost of insuring a Toyota 4runner is estimated to be around $1,942 annually or $162 monthly. It's important for drivers to consider these rates when assessing their insurance needs. These rates can increase based on your driving record, location, age, and other factors.
Auto insurance rates vary depending on the model year. For instance, average car insurance rates for a 2023 Toyota 4runner costs $1,942 per year, while its 2022 equivalent costs $1,627 per year.
Regardless of your chosen model year, you can find a competitive carrier that meets your needs and budget. Insurance.com conducted data analysis and discovered which cars offer the most affordable insurance rates based on model year and whether one specific model is cheaper to insure than others.
Read on to learn in detail about these cost-effective auto policies for Toyota 4runner.
Average insurance cost of Toyota 4runner by model year
Year of Toyota 4runner Model
Average Cost to Insure
2023
$1,942
2022
$1,627
2021
$1,533
2020
$1,582
2019
$1,607
Compare Toyota 4runner insurance rates by state
LOADING
Company
Style
Average annual premium
Allstate
2WD 4 Door Utility
$3,041
Geico
2WD 4 Door Utility
$1,878
Farmers
2WD 4 Door Utility
$3,514
Nationwide
2WD 4 Door Utility
$2,582
Progressive
2WD 4 Door Utility
$1,766
State Farm
2WD 4 Door Utility
$2,001
Allstate
4WD 4 Door Utility
$3,041
Geico
4WD 4 Door Utility
$1,980
Farmers
4WD 4 Door Utility
$3,194
Nationwide
4WD 4 Door Utility
$2,479
Progressive
4WD 4 Door Utility
$1,815
State Farm
4WD 4 Door Utility
$2,001
Toyota 4runner insurance rates per year
2023
2023 Toyota 4runner insurance rates
Average cost to insure$1,942
Annual cheapest rate$1,327
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
State Farm
$1,327
2
Nationwide
$1,475
3
Geico
$1,558
4
Progressive
$1,741
5
Farmers
$2,664
6
Allstate
$2,888
2022
2022 Toyota 4runner insurance rates
Average cost to insure$1,627
Annual cheapest rate$1,097
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
State Farm
$1,097
2
Geico
$1,224
3
Nationwide
$1,309
4
Progressive
$1,521
5
Farmers
$2,172
6
Allstate
$2,441
2021
2021 Toyota 4runner insurance rates
Average cost to insure$1,533
Annual cheapest rate$1,038
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
State Farm
$1,038
2
Progressive
$1,175
3
Geico
$1,239
4
Nationwide
$1,367
5
Farmers
$1,925
6
Allstate
$2,456
2020
2020 Toyota 4runner insurance rates
Average cost to insure$1,582
Annual cheapest rate$1,161
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
Geico
$1,161
2
State Farm
$1,177
3
Nationwide
$1,305
4
Progressive
$1,499
5
Farmers
$1,989
6
Allstate
$2,360
2019
2019 Toyota 4runner insurance rates
Average cost to insure$1,607
Annual cheapest rate$1,139
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
Geico
$1,139
2
State Farm
$1,235
3
Nationwide
$1,300
4
Progressive
$1,642
5
Farmers
$2,092
6
Allstate
$2,233
2018
2018 Toyota 4runner insurance rates
Average cost to insure$1,551
Annual cheapest rate$1,096
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
Geico
$1,096
2
State Farm
$1,197
3
Nationwide
$1,313
4
Progressive
$1,617
5
Allstate
$2,039
6
Farmers
$2,043
2017
2017 Toyota 4runner insurance rates
Average cost to insure$1,532
Annual cheapest rate$1,089
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport
Rank
Company
Average annual premium
1
Geico
$1,089
2
State Farm
$1,175
3
Nationwide
$1,323
4
Progressive
$1,598
5
Farmers
$1,996
6
Allstate
$2,009
2016
2016 Toyota 4runner insurance rates
Average cost to insure$1,522
Annual cheapest rate$1,016
Available trims 40th Anniversary Special Edition, Limited, SR5, SR5 Premium, TRD Off-Road, TRD Off-Road Premium, TRD Pro, TRD Sport