Buying affordable coverage for a Toyota 4Runner in California is usually pretty straightforward, but it depends on a large number of rating criteria such as whether you use your 4Runner for business use, your geographic location, and if you have a history of accidents. Drivers in California pay approximately $1,272 each year to insure their 4Runner, but that is using a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
If we were betting, you’re not a 50-year-old male, single instead of married, or maybe you just want liability only. Different coverage needs are the reason why the only real way to find cheap car insurance rates for your Toyota is to compare rates from as many companies as possible.
Cheapest Toyota 4Runner Insurance Rates
The specific model of 4Runner has an effect on the yearly cost, so the price you will be charged to insure a 4Runner Sport 2WD trim level will be $246 less expensive the cost to insure the higher-priced 4Runner Limited 4WD version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $334 | $480 | $360 | $22 | $108 | $1,304 | $109 |
| 4Runner SR/5 2WD | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| 4Runner Sport 4WD | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| 4Runner SR/5 4WD | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| 4Runner Trail Edition 4WD | $372 | $688 | $360 | $22 | $108 | $1,550 | $129 |
| 4Runner Limited 2WD | $372 | $688 | $360 | $22 | $108 | $1,550 | $129 |
| 4Runner Limited 4WD | $372 | $688 | $360 | $22 | $108 | $1,550 | $129 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific zip code location which can affect rates greatly.
Finding good, affordable insurance is difficult, and deciding which companies quote the lowest-priced insurance rates for a Toyota 4Runner requires even more diligence.
Each insurance company has a proprietary formula for filing rates in each state, so we’ll take a look at the overall cheapest insurance companies in Los Angeles, CA.
Best Insurance Companies for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the most affordable car insurance rates in Los Angeles at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the most economical Los Angeles, CA auto insurance companies.
As shown in the table above, if you currently buy coverage from Nationwide and switched to Wawanesa, you could earn savings of in the neighborhood of $106. Policyholders with 21st Century could save as much as $181 a year, and Grange policyholders might cut rates by $276 a year.
To get a quick, customized rate comparison, click here or click several companies below for low rates.
These policy rates are averaged across all insureds and vehicles and and are not figured with a specific zip code for a Toyota 4Runner. So the car insurance company that fits your situation best may not even be in the top 24 companies in the list above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.
The example below highlights how deductible choice can influence yearly insurance costs when getting quotes for cheap insurance for a Toyota 4Runner. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could save $382 a year by changing from a $100 deductible up to a $500 deductible, or save $578 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could save as much as $1,266 or even more just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it is important to have enough in a savings account to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Violations and accidents raise rates
One of the best ways to earn the most affordable insurance prices in Los Angeles for a 4Runner is to drive cautiously and maintain a clean driving record. The example below shows how traffic citations and accident claims raise annual premium costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of auto insurance in Los Angeles per year with no accidents and a clean driving record is $1,943. Factor in two speeding tickets and the average cost surges to $2,767, an increase of $824 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Toyota 4Runner increases to an average of $5,679. That’s an increase of $3,736, or $311 per month, just for a couple of infractions!
The insurance agencies below can help you make a decision which coverage meets your needs best, since lots of people like to get some help when comparing insurance rates for a Toyota 4Runner. It can be time-consuming to find the best coverage yourself, and getting advice from a licensed agent can bring comfort knowing your coverage gives you adequate asset protection.
To locate a Los Angeles car insurance agency nearest to you, click the button link following the list or click here to compare price quotes.
Yvonne Solis – State Farm Insurance Agent
1375 Sunset Blvd – Los Angeles, CA 90026 – (213) 202-2800
Julie Montenegro – State Farm Insurance Agent
5683 York Blvd – Los Angeles, CA 90042 – (323) 892-2880
Terza West-Dantzler – State Farm Insurance Agent
875 N Gower St – Los Angeles, CA 90038 – (323) 462-1096
Find a Los Angeles, CA insurance agent near you
How to find low-cost auto insurance for a Toyota 4Runner
It is possible to find better rates, and here are a few thrifty ideas that can help Los Angeles drivers quote cheaper auto insurance.
- Higher physical damage deductibles lower rates
- Do not get traffic tickets
- Do not pay for comprehensive and collision coverage on older vehicles
- Pay for small claims rather than turning them in to your insurance company
- Avoid preventable accidents
- Shop around for cheaper prices often
The last tip in the list is especially important, as was noted in this article. Coverage rates in Los Angeles go up and down frequently, so don’t be hesitant to buy a different policy if a more affordable rate is found. Having a favorite company is great, but it isn’t a good idea if that inflexibility results in costing you big bucks every year. It only takes a couple minutes to compare rates to find cheaper car insurance for a Toyota 4Runner.