If you’re wondering how much it will cost to insure your Toyota 4Runner in 2025, you’re in the right place. Insurance rates for the Toyota 4Runner vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Toyota 4Runner is $2,256. However, this rate can vary depending on the model year. For example, a 2021 4Runner might cost around $2,084 annually, while a 2018 model could be more affordable at $1,885 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota 4Runner.
What is the cost to insure your Toyota 4Runner in 2025?
On average, insuring a Toyota 4Runner costs $188 per month – or $2,260 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota 4Runner
Nationwide offers the cheapest car insurance rates for Toyota 4Runner at an average annual cost of $1,547 a year or $129 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Toyota 4Runner
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,547 | $773 | $129 |
| State Farm | $1,880 | $940 | $157 |
| Geico | $1,887 | $943 | $157 |
| Progressive | $1,968 | $984 | $164 |
| Farmers | $3,132 | $1,566 | $261 |
| Allstate | $3,255 | $1,628 | $271 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota 4Runner car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Toyota 4Runner will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the Toyota 4Runner, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,676 | $838 | $140 |
| 2015 | $1,742 | $871 | $145 |
| 2016 | $1,788 | $894 | $149 |
| 2017 | $1,850 | $925 | $154 |
| 2018 | $1,885 | $942 | $157 |
| 2019 | $1,965 | $982 | $164 |
| 2020 | $1,986 | $993 | $166 |
| 2021 | $2,084 | $1,042 | $174 |
| 2022 | $2,166 | $1,083 | $180 |
| 2023 | $2,256 | $1,128 | $188 |
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Toyota 4Runner car insurance rates for different trims
A Toyota 4Runner’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims like the 4Runner TRD Pro, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Toyota 4Runner.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 4Runner SR5 | $2,167 | $1,083 | $181 |
| 4Runner TRD Off-Road | $2,219 | $1,109 | $185 |
| 4Runner SR5 Premium | $2,225 | $1,112 | $185 |
| 4Runner TRD OFF-Road Premium | $2,241 | $1,120 | $187 |
| 4Runner Limited | $2,294 | $1,147 | $191 |
| 4Runner TRD Sport | $2,339 | $1,170 | $195 |
| 4Runner TRD Pro | $2,354 | $1,177 | $196 |
Toyota 4Runner insurance rates: State-by-state breakdown
The cost to insure a Toyota 4Runner can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Toyota 4Runner car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,147 | $1,074 | $179 |
| Alabama | $2,172 | $1,086 | $181 |
| Arkansas | $2,377 | $1,189 | $198 |
| Arizona | $2,209 | $1,104 | $184 |
| California | $2,643 | $1,321 | $220 |
| Colorado | $2,950 | $1,475 | $246 |
| Connecticut | $2,303 | $1,152 | $192 |
| Washington, D.C. | $2,677 | $1,338 | $223 |
| Delaware | $2,262 | $1,131 | $188 |
| Florida | $2,735 | $1,368 | $228 |
| Georgia | $2,674 | $1,337 | $223 |
| Hawaii | $1,454 | $727 | $121 |
| Iowa | $1,871 | $935 | $156 |
| Idaho | $1,569 | $784 | $131 |
| Illinois | $2,263 | $1,131 | $189 |
| Indiana | $2,083 | $1,041 | $174 |
| Kansas | $2,377 | $1,189 | $198 |
| Kentucky | $2,859 | $1,429 | $238 |
| Louisiana | $3,775 | $1,887 | $315 |
| Massachusetts | $1,901 | $950 | $158 |
| Maryland | $2,018 | $1,009 | $168 |
| Maine | $1,675 | $838 | $140 |
| Michigan | $2,850 | $1,425 | $237 |
| Minnesota | $2,453 | $1,227 | $204 |
| Missouri | $2,601 | $1,300 | $217 |
| Mississippi | $2,448 | $1,224 | $204 |
| Montana | $2,417 | $1,208 | $201 |
| North Carolina | $1,692 | $846 | $141 |
| North Dakota | $2,088 | $1,044 | $174 |
| Nebraska | $2,435 | $1,217 | $203 |
| New Hampshire | $1,693 | $847 | $141 |
| New Jersey | $2,184 | $1,092 | $182 |
| New Mexico | $2,409 | $1,204 | $201 |
| Nevada | $2,200 | $1,100 | $183 |
| New York | $1,618 | $809 | $135 |
| Ohio | $1,739 | $870 | $145 |
| Oklahoma | $2,560 | $1,280 | $213 |
| Oregon | $2,248 | $1,124 | $187 |
| Pennsylvania | $2,319 | $1,159 | $193 |
| Rhode Island | $2,555 | $1,277 | $213 |
| South Carolina | $2,170 | $1,085 | $181 |
| South Dakota | $2,635 | $1,318 | $220 |
| Tennessee | $2,444 | $1,222 | $204 |
| Texas | $3,135 | $1,568 | $261 |
| Utah | $1,888 | $944 | $157 |
| Virginia | $1,673 | $837 | $139 |
| Vermont | $1,709 | $855 | $142 |
| Washington | $1,875 | $938 | $156 |
| Wisconsin | $1,721 | $861 | $143 |
| West Virginia | $2,155 | $1,077 | $180 |
| Wyoming | $2,396 | $1,198 | $200 |
How your age impacts Toyota 4Runner insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,318 | $4,159 | $693 |
| Adults | $2,260 | $1,130 | $188 |
The bottom line
Knowing how much it costs to insure your Toyota 4Runner is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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