The Toyota 4Runner is a mid-size SUV that first debuted in the U.S. in 1984 and has been redesigned for the 2026 model. Toyota 4Runner insurance costs between $1,032 and $1,944 per year, depending on whether you have minimum or full coverage, and between $86 and $162 per month. No matter what kind of 4Runner you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota 4Runner insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota 4Runner by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota 4Runner Insurance Cost in 2026
Toyota 4Runner insurance costs an average of $1,944 per year, or approximately $162 per month, for full coverage in 2026.
Toyota 4Runner insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $810 annually for full coverage, while those in Michigan pay $3,480.
Progressive, American Family, and Nationwide are the cheapest carriers for model-year 2025 Toyota 4Runner insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota 4Runner insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota 4Runner model.
How Much Does Toyota 4Runner Insurance Cost In 2026?
Toyota 4Runner full coverage insurance averages $162 per month, and minimum liability-only insurance averages $86 per month. This translates to an average of $1,944 annually for full coverage and $1,032 for minimum coverage. Toyota 4Runner car insurance rates can vary depending on which carrier you get your coverage from and many other factors.
Average Annual Toyota 4Runner Insurance vs. Monthly Cost Breakdown
Here's how the average rates for Toyota 4Runner insurance per month and year break down when compared to other Toyota models and all SUVs. Toyota 4Runner full coverage costs and Toyota 4Runner liability insurance costs are included.
| Vehicle | Monthly - Liability Only | Monthly - Full Coverage | Annually - Liability Only | Annually - Full Coverage |
| Toyota 4Runner | $86 | $162 | $1,032 | $1,944 |
| All Toyota Models | $79 | $162 | $948 | $1,944 |
| All SUVs | $81 | $152 | $972 | $1,824 |
Methodology
These rates are based on a 40-year-old unmarried male driver with a clean driving record, good credit score, and no prior claims. Minimum coverage refers to state-required limits for liability insurance, and full coverage was calculated based on a policy with 100/300/100 liability and a $1,000 deductible for both collision and comprehensive insurance.
Toyota 4Runner Insurance Cost By Model Year (2020-2026)
| Model Year | Average Monthly Full Coverage Premium | Average Annual Full Coverage Premium |
| 2026 Toyota 4Runner | $162 | $1,944 |
| 2025 Toyota 4Runner | $189 | $2,262 |
| 2024 Toyota 4Runner | $182 | $2,186 |
| 2023 Toyota 4Runner | $178 | $2,141 |
| 2022 Toyota 4Runner | $173 | $2,073 |
| 2021 Toyota 4Runner | $171 | $2,048 |
| 2020 Toyota 4Runner | $155 | $1,864 |
Cheapest Insurance Companies for a Toyota 4Runner in 2026
Affordable Toyota 4Runner insurance is available from many different carriers. The table below displays the best car insurance companies for the cheapest model-year 2025 Toyota 4Runner insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,321 |
| American Family | $1,723 |
| Nationwide | $1,819 |
| USAA | $1,853 |
| Erie | $2,264 |
| Allstate | $3,518 |
An independent insurance agent can help you find the most affordable Toyota 4Runner insurance from a reliable carrier near you.
Toyota 4Runner Insurance Cost by Trim Level for 2026
Your specific Toyota 4Runner's trim level can also affect the cost of your coverage. Higher trim levels mean a higher MSRP and replacement cost, often leading to higher car insurance premiums.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Toyota 4Runner | $109 | $149 |
| Toyota 4Runner Limited | $80 | $126 |
| Toyota 4Runner SR5 | $93 | $144 |
| Toyota 4Runner SR5 | $74 | $140 |
| Toyota 4Runner VN39 SR5 | $62 | $129 |
Does the Toyota 4Runner i-FORCE MAX Hybrid Cost More to Insure?
Yes, the Toyota 4Runner i-Force Max costs more to insure than other models because the hybrid powertrain increases the vehicle's value, which often leads to higher premiums. This hybrid powertrain comes standard on Platinum, TRD Pro, and Trailhunter 4Runner models. Toyota 4Runner hybrid insurance costs are typically higher than for the gas-powered models. The gas-only SR5/TRD Sport models cost much less to insure, on average.
4Runner Hybrid trims start at $54,585 MSRP vs. the gas SR5 model, which starts at $41,570. This increased sale price raises the vehicle's replacement value and, in turn, insurance premiums. Hybrid models experience a premium hike of an estimated $15-$40 per month over gas models.
Toyota 4Runner Insurance Rates by Driver Age and Driving Record in 2026
Your age, driving history, and credit can all greatly impact the cost of your car insurance. Toyota 4Runner teen driver insurance is much more expensive than coverage for adults. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Toyota 4Runner insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 17 | $5,050 | $7,430 | $8,680 |
| 18 | $4,700 | $6,920 | $8,090 |
| 19 | $4,180 | $6,120 | $7,120 |
| 20 | $3,620 | $5,360 | $6,250 |
| 21 | $3,060 | $4,490 | $5,240 |
| 22 | $2,980 | $4,350 | $5,080 |
| 23 | $2,600 | $3,810 | $4,460 |
| 24 | $2,460 | $3,640 | $4,230 |
| 25 | $2,130 | $3,130 | $3,670 |
| 30 | $1,670 | $2,440 | $2,830 |
| 35 | $1,530 | $2,250 | $2,660 |
| 40 | $1,510 | $2,190 | $2,560 |
| 45 | $1,460 | $2,140 | $2,490 |
| 55 | $1,340 | $1,940 | $2,280 |
| 65 | $1,390 | $2,010 | $2,360 |
| 75 | $1,740 | $2,580 | $2,990 |
Toyota 4Runner Insurance Cost By State and Driver Profile for 2026
Your location is one of the biggest factors that determine car insurance premium calculations. Coverage is more expensive in Michigan due to the state's higher minimum requirements. Here are some average auto insurance rates for the Toyota 4Runner by state and driver profile for 2026.
| State | Clean Record | Recent Accident | Poor Credit |
| Alabama | $1,920 | $2,810 | $3,520 |
| Alaska | $1,560 | $2,140 | $2,090 |
| Arizona | $1,720 | $2,520 | $3,650 |
| Arkansas | $1,890 | $2,960 | $3,280 |
| California | $2,150 | $3,700 | $2,140 |
| Colorado | $1,970 | $2,760 | $3,470 |
| Connecticut | $2,510 | $3,880 | $4,940 |
| Delaware | $2,090 | $2,770 | $3,550 |
| Florida | $2,490 | $3,390 | $4,410 |
| Georgia | $2,020 | $3,040 | $3,030 |
| Hawaii | $810 | $1,120 | $830 |
| Idaho | $1,390 | $1,850 | $2,240 |
| Illinois | $1,480 | $2,210 | $2,520 |
| Indiana | $1,510 | $2,310 | $2,580 |
| Iowa | $1,180 | $1,630 | $1,920 |
| Kansas | $1,590 | $2,320 | $2,700 |
| Kentucky | $2,300 | $3,340 | $3,950 |
| Louisiana | $2,960 | $4,450 | $4,780 |
| Maine | $1,110 | $1,540 | $2,270 |
| Maryland | $1,790 | $2,600 | $2,890 |
| Massachusetts | $1,480 | $2,500 | $1,470 |
| Michigan | $3,480 | $5,270 | $8,320 |
| Minnesota | $1,450 | $1,900 | $2,660 |
| Mississippi | $1,760 | $2,450 | $2,490 |
| Missouri | $1,650 | $2,350 | $3,070 |
| Montana | $1,650 | $2,310 | $2,700 |
| Nebraska | $1,420 | $2,050 | $2,240 |
| Nevada | $2,320 | $3,390 | $3,600 |
| New Hampshire | $1,600 | $2,520 | $3,220 |
| New Jersey | $1,790 | $2,800 | $3,640 |
| New Mexico | $1,810 | $2,680 | $2,800 |
| New York | $1,700 | $2,110 | $3,480 |
| North Carolina | $1,030 | $1,770 | $1,280 |
| North Dakota | $1,430 | $2,140 | $2,560 |
| Ohio | $1,270 | $1,960 | $1,990 |
| Oklahoma | $2,030 | $2,920 | $3,240 |
| Oregon | $1,860 | $2,450 | $2,920 |
| Pennsylvania | $1,560 | $2,260 | $2,680 |
| Rhode Island | $2,600 | $3,800 | $4,270 |
| South Carolina | $1,770 | $2,450 | $3,330 |
| South Dakota | $1,570 | $2,280 | $2,620 |
| Tennessee | $1,880 | $2,730 | $3,620 |
| Texas | $1,860 | $2,710 | $3,350 |
| Utah | $1,590 | $2,230 | $3,070 |
| Vermont | $1,230 | $1,890 | $2,010 |
| Virginia | $1,150 | $1,770 | $1,750 |
| Washington | $1,550 | $2,070 | $2,450 |
| West Virginia | $1,540 | $2,200 | $2,730 |
| Wisconsin | $1,540 | $2,400 | $2,740 |
| Wyoming | $1,430 | $2,010 | $2,120 |
What Affects the Cost of Toyota 4Runner Insurance?
Several factors can influence the cost of Toyota 4Runner insurance, including:
- The specific model year 4Runner you drive
- Vehicle MSRP
- Your vehicle's trim level
- Your age
- Your claims history
- Your location
- Your driving record
- Vehicle safety features
- Your credit score (where allowed)
- The types of coverage you need
- Your driving history
- Annual mileage
- Your deductible
Many standard car insurance policies exclude off-road damage, so if you plan to use your 4Runner off-road, be sure to look for this specific coverage. A local independent insurance agent can help you find the most affordable Toyota 4Runner car insurance with all the coverage you need.
What Kind of Coverage Does Your Toyota 4Runner Need?
A Toyota 4Runner needs several types of coverage to be sufficiently protected, such as liability and collision insurance. However, if you drive an older 4Runner or one that's worth less than a few hundred dollars, it may make sense to drop collision coverage. Here's a breakdown of recommended and optional coverages for a Toyota 4Runner in 2026.
Liability insurance
Liability insurance covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle. Liability insurance breaks down into two categories:
- Bodily injury liability: If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person.
- Property damage liability: In many places, property damage liability coverage is required by law. Even so, consider purchasing more than the minimum amount. You'll have to pay for damage you cause that exceeds the limits of your policy.
Comprehensive insurance
Comprehensive insurance pays for damage to your car due to a non-collision event, such as a flood or theft.
Collision insurance
Collision insurance pays for damage to your car from a collision with another object, regardless of fault.
Medical payments and personal injury protection insurance
Medical payments coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault. Laws differ from one state to the next, so talk with your agent to understand your options. In some states, this type of insurance is mandatory. If you are in an accident, this policy may pay for costs related to the physical recovery for you and your passengers.
Personal injury protection coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault. Laws differ from one state to the next, so talk with your agent to understand your options. In some states, this type of insurance is mandatory.
Uninsured/underinsured motorist insurance
Uninsured/underinsured motorist insurance pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Optional Coverage
Glass coverage
You can't put off replacing a windshield without risking a ticket, but the cost can be hard to budget. It's often less than your deductible, but still expensive enough that it's worth considering adding glass coverage to your policy.
Gap insurance
Gap insurance can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss. A sixth-generation 4Runner starts at $41,570-$69,695+ and buyers who finance a TRD Pro or Trailhunter might owe more than the vehicle's market value in the first one to two years of ownership in the event of a total loss. This makes having gap insurance highly recommended for financed new models.
New car replacement coverage
New car replacement coverage can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Accident forgiveness coverage
Accident forgiveness coverage can help you avoid a car insurance premium rate increase following an accident.
OEM parts coverage
OEM parts coverage can pay to replace your vehicle's parts with genuine Toyota parts during the repair process.
Towing and roadside assistance coverage
Towing and roadside assistance coverage can pay for the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Toyota 4Runner Safety Ratings and How They Affect Your Premium
The 2025 Toyota 4Runner is rated by the Insurance Institute for Highway Safety (IIHS) as having mostly good crash-test ratings, notably the good rating for front crash prevention. However, the vehicle's headlights' safety ratings range from acceptable to poor. Car insurance carriers view a good Toyota 4Runner IIHS safety rating as meaning these vehicles are less likely to result in large claims due to significant damage in a collision.
How to Save on Toyota 4Runner Insurance
Wondering how to lower Toyota 4Runner insurance premiums? It's easy to save on auto insurance coverage when you follow any of these tips:
- Bundle home and auto insurance: Buying car insurance and homeowners insurance from the same carrier can help you save as much as 15%-20% on both types of coverage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Take a defensive driving course: Completing driver safety courses can help you earn a sizeable discount on your Toyota 4Runner insurance.
- Ask about telematics and pay-per-mile programs: Your insurance company or Toyota may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about multi-vehicle discounts: You might be able to save money on your car insurance if you insure more than one vehicle through the same carrier.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Toyota 4Runner insurance from a trusted carrier near you.
Local independent insurance agents know which Toyota 4Runner car insurance companies offer the best discounts and savings opportunities. They'll help you get set up with the lowest possible Toyota 4Runner insurance premium.
An Independent Insurance Agent Can Help You Get the Best Toyota 4Runner Insurance Quotes
When it's time to find the most affordable Toyota 4Runner insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Toyota 4Runner insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Toyota 4Runner Car Insurance
How much does it cost to insure a Toyota 4Runner per month?
The average cost to insure a Toyota 4Runner is about $86 per month for minimum coverage and $162 per month for full coverage. Rates vary by state, age, trim, and driving history.
Is a Toyota 4Runner expensive to insure compared to other SUVs?
Yes, the Toyota 4Runner's full coverage average of $162 per month is higher than the average for all SUVs, at $152 per month.
What are the cheapest insurance companies for a Toyota 4Runner?
We found that Progressive, American Family, and Nationwide offer the cheapest model-year 2025 Toyota 4Runner insurance this year.
Does car insurance cover off-roading in a 4Runner?
No. Standard policies typically exclude off-road damage since it poses inherent risk to the insurer, and damage is not considered sudden or accidental. Talk to an independent insurance agent about specialty options if you plan to use your 4Runner off-road.
Which states are the most and least expensive for Toyota 4Runner insurance?
The most expensive states for Toyota 4Runner insurance are Michigan ($3,480 per year), Louisiana ($2,960 per year), and Rhode Island ($2,600 per year). The least expensive states are Hawaii ($810 per year), North Carolina ($1,030 per year), and Maine ($1,110 per year).
How does the Toyota 4Runner's safety rating affect my insurance rate?
The Toyota 4Runner earned mostly good crash test safety ratings from the IIHS for the 2025 and 2026 models. These good safety ratings can lead to lower insurance premiums due to the vehicles' perceived lower collision damage risks.
What is the best coverage level for a new 2026 Toyota 4Runner?
Having full coverage for a Toyota 4Runner is recommended for newer models, given their high MSRP. Gap insurance is also worth considering for any financed 2025 or 2026 model.
Are Toyota 4Runners reliable?
Yes, the Toyota 4Runner earned a J.D. Power score of 86 out of 100 for quality and reliability, which reduces long-term mechanical claims risk.
Related Links:
Sources
https://www.compare.com/auto-insurance/vehicles/toyota/4runner
https://www.insuranceopedia.com/auto-insurance/toyota-4runner-car-insurance
https://insurify.com/car-insurance/vehicle/toyota/4runner/
https://www.thezebra.com/auto-insurance/vehicles/toyota/4runner/
https://www.iihs.org/ratings/vehicle/toyota/4runner-4-door-suv/2025
https://jerry.ai/car-insurance/toyota/4runner/