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 car of the same age, because of lower non-crash losses, lower crash-repair losses, fewer injury claims, and less damage to others' property. Putting a new 16-year-old on a family policy with the 4Runner adds about $1,150 a year (#6 of 25 midsize SUVs we compare).

2024 Toyota 4Runner (4Runner 2WD), national average

about $1,740 a year (about $145 a month)

Estimated range: $1,300–$2,350. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 4Runner drops to about $1,440 (see the table below).

A Toyota 4Runner from the 2010–2024 generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 4Runner 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Toyota 4Runner's rank is the same in every state.

Why the Toyota 4Runner costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota 4Runner 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 74 for crash repairs, 73 for non-crash damage, 88 for damage to others' property, and 76 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average26% better than average9th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average27% better than average6th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage12% better than average15th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 24% less often than average8th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Toyota 4Runner comes out about 26% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 11% less than average: about $850 a year vs $950. On the liability side, damage to others and injury claims combine to about 19% better than average. We count about half, so that part is about 10% less: $890 a year vs $990.

How the math works

In EPA size classes, the 4Runner is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Toyota 4Runner is benchmarked against midsize SUVs.

Matched to HLDI series “Toyota 4Runner 4dr” (HLDI, 2022–24 models).

A used Toyota 4Runner, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 4Runner 2WD (0–3 years old)	about $1,740	about $890	+$1,150	about $5,000
2022 4Runner 2WD (4–7 years old)	about $1,640	about $890	+$1,080	about $4,710
2018 4Runner 2WD (8–12 years old)	about $1,600	about $950	+$1,060	about $4,600
2013 4Runner 2WD (13 or more years old)	about $1,440	about $900	+$950	about $4,120

Our catalog covers the Toyota 4Runner across model years 2006–2027. Full coverage on a used 2013 4Runner (13 or more years old) runs about $1,440 a year, $300 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $900 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Toyota 4Runner in our catalog (4Runner 4WD and 4Runner 2WD) price within about $50 a year of each other.

On a policy of their own with a 2024 Toyota 4Runner, a 22–25-year-old pays about $2,260 a year ($520 more than a 45-year-old), a 26–39-year-old about $1,930, and a driver 65 and older about $1,830.

Adding a 16-year-old with a Toyota 4Runner

Because the Toyota 4Runner starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,150 a year ($95 a month), $130 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,000 a year, about $3,850 more than sharing the family policy.

For adding a teen driver, the Toyota 4Runner ranks 14th cheapest out of all 121 models we track. Stepping down to a used 2013 4Runner (13 or more years old) brings the teen add-on to about $950 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Toyota 4Runner is the 6th least expensive to insure. Right next to it are the Honda Passport (about $1,720 a year) and the Volkswagen Atlas (about $1,740).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota 4Runner costs in your state

In six sample states, a 2024 Toyota 4Runner runs from about $1,210 a year in Wisconsin through New Hampshire, Tennessee, New Mexico and Delaware to about $2,290 in New York:

Wisconsinabout $1,210/yr · +$800 teen
New Hampshireabout $1,250/yr · +$820 teen
Tennesseeabout $1,470/yr · +$970 teen
New Mexicoabout $1,570/yr · +$1,040 teen
Delawareabout $1,900/yr · +$1,250 teen
New Yorkabout $2,290/yr · +$1,510 teen

All 50 states and DC · Updated November 5, 2026.

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