How much is insurance on a Toyota 4Runner?
A 2024 Toyota 4Runner runs about $1,740 a year for a typical 45-year-old, $200 less than an average 2024 car, because of cheaper repairs and fewer at-fault claims.
2024 Toyota 4Runner, national average
about $1,740 a year (about $145 a month)
roughly $1,300–$2,350
An average 2024 car: about $1,940. An older Toyota 4Runner costs less (below).
Priced: the 2024 4Runner 2WD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Toyota 4Runner, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,740 | about $890 | +$1,150 | about $5,000 |
| 2022 (4–7 years old) | about $1,640 | about $890 | +$1,080 | about $4,710 |
| 2018 (8–12 years old) | about $1,530 | about $890 | +$1,010 | about $4,390 |
| 2013 (13 or more years old) | about $1,420 | about $890 | +$940 | about $4,070 |
We list the Toyota 4Runner for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2 versions of the 2024 Toyota 4Runner we list (4Runner 4WD and 4Runner 2WD) all come out within about $50 of each other.
The Toyota 4Runner for other drivers on their own policy, a year: 22–25, $2,260; 26–39, $1,930; 65 and older, $1,830.
Adding a 16-year-old with a Toyota 4Runner
A new 16-year-old driving the Toyota 4Runner adds about $1,150 a year ($95 a month), $130 less than with an average 2024 car.
For adding a teen, the Toyota 4Runner ranks 14th cheapest of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Toyota 4Runner costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much lower than average
- Theft and weather
- much lower than average
- Damage to others
- lower than average
- Injuries to others
- much lower than average
The part that fixes or replaces the Toyota 4Runner: about $850, against $950 for an average 2024 car (11% less). The part that pays for harm to others: about $890, against $990 for an average car (10% less).
By the EPA's size classes it's a standard SUV, and it's gas-powered. The Highway Loss Data Institute groups it with midsize SUVs.
Matched to “Toyota 4Runner 4dr” in HLDI's results.
Similar midsize SUVs
Among these 25 midsize SUVs, the Toyota 4Runner is the 6th least expensive to insure.
- 2024 GMC Acadiaabout $1,590 ($150 less)
- 2024 Subaru Ascentabout $1,640 ($100 less)
- 2024 Honda Pilotabout $1,660 ($80 less)
- 2024 Honda Passportabout $1,720 (about the same)
- 2024 Toyota 4Runnerabout $1,740 (this car)
- 2024 Volkswagen Atlasabout $1,740 (about the same)
- 2024 Toyota Grand Highlanderabout $1,770 (about the same)
- 2024 Kia Tellurideabout $1,780 (about the same)
- 2024 Hyundai Santa Feabout $1,780 (about the same)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.