Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Toyota 4Runner is $2,278 per year or $190 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2024 Toyota 4Runner costs $2,278, whereas the 2023 Toyota 4Runner costs $2,279 annually. This is $1 more than the 2024 rates.
Nationwide offers the cheapest annual rate for 2024 Toyota 4Runner at $1,547 per year.
Below, we'll look at Toyota 4Runner insurance rates and show you how to save.
Average insurance cost of Toyota 4Runner by model year
| Year of Toyota 4Runner model | Average cost to insure |
|---|---|
| 2024 | $2,278 |
| 2023 | $2,279 |
| 2022 | $2,190 |
| 2021 | $2,121 |
| 2020 | $2,017 |
Compare 4Runner insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| Nationwide | 4WD 4 Door Utility DOHC | $1,916 |
| Nationwide | 2WD 4 Door Utility DOHC | $2,078 |
| State Farm | 2WD 4 Door Utility DOHC | $2,210 |
| State Farm | 4WD 4 Door Utility DOHC | $2,259 |
| Progressive | 4WD 4 Door Utility DOHC | $2,520 |
| GEICO | 2WD 4 Door Utility DOHC | $2,570 |
| GEICO | 4WD 4 Door Utility DOHC | $2,586 |
| Progressive | 2WD 4 Door Utility DOHC | $2,603 |
| Allstate | 2WD 4 Door Utility DOHC | $4,359 |
| Allstate | 4WD 4 Door Utility DOHC | $4,704 |
Toyota 4Runner insurance rates per year
2024 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 Nationwide $1,547 2 State Farm $1,880 3 GEICO $1,887 4 Progressive $1,968 5 Farmers $3,132 6 Allstate $3,255 2023 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 Nationwide $1,690 2 GEICO $1,841 3 State Farm $1,890 4 Progressive $1,950 5 Allstate $3,121 6 Farmers $3,179 2022 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 Nationwide $1,687 2 GEICO $1,731 3 State Farm $1,805 4 Progressive $1,913 5 Allstate $2,934 6 Farmers $3,072 2021 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 GEICO $1,655 2 Nationwide $1,708 3 State Farm $1,763 4 Progressive $1,867 5 Allstate $2,751 6 Farmers $2,979 2020 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 GEICO $1,526 2 State Farm $1,655 3 Nationwide $1,772 4 Progressive $1,789 5 Allstate $2,532 6 Farmers $2,829 2019 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 GEICO $1,543 2 State Farm $1,620 3 Progressive $1,743 4 Nationwide $1,789 5 Allstate $2,517 6 Farmers $2,755 2018 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 GEICO $1,517 2 State Farm $1,581 3 Progressive $1,697 4 Nationwide $1,755 5 Allstate $2,284 6 Farmers $2,654 2017 Toyota 4Runner insurance rates
Rank Company Average annual premium 1 GEICO $1,496 2 State Farm $1,534 3 Nationwide $1,692 4 Progressive $1,700 5 Allstate $2,248 6 Farmers $2,572
Toyota insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage