Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Mar 13, 2020

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Before you make a purchase decision, find out what fuel economy is like. What will Touyota 4Runner insurance costs look like for you? Read on, if you’d like to save on car insurance. The 4runner is an SUV in Toyota’s lineup. With an attractive sticker price of just over $30,000, many people turn to this car for their SUV needs. They also retain a high resale value. However, what many people don’t consider is the costs of owning a vehicle.

Toyota 4Runner: Obtaining Insurance

Obtaining insurance for the Toyota 4Runner isn’t that difficult. On average, 4Runner owners paid around $1,100 per year on insurance in 2010. However, keep in mind that rates will vary from driver to driver and insurer to insurer. There are certain factors that can raise or lower your insurance premiums.

For instance, driving histories can play a very big role in this. Your rates are likely to be lower if you are a safe driver. Insuring you is a matter of risk management, and safe drivers are less risky to insure. Another factor might be credit history. A high credit history is usually indicative of a responsible person.

However, there is one surefire way to lower your rates. Do your research, and get quotes from different companies. By doing so you’re ensuring that you’re getting the best rates, and the best discounts. Policies and incentives will differ from insurer to insurer.

These Companies Offer Cheapest Toyota 4Runner Auto Insurance Rates

Toyota 4Runner: Reviews & Ratings

Unlike many SUVs that are meant to be driven off-road, the 4Runner is designed to go off-road and does a great job at it. It also has a vast amount of cargo space, and plenty of interior seating, making it ideal for long trips.

It comes in 3 trim levels: the SR5, Trail and Limited. Each of them comes standard with a powerful 4.0 liter V6 engine that does not disappoint. They all come in 4 wheel drive; however, the SR5 and Limited trim levels have the option of rear-wheel drive.

The base trim level, the SR5, comes equipped with fog lights, air conditioning, power accessories, alloy wheels, and an MP3/CD stereo system among other features. Next on the list of trims is “The Trail”. This adds off-road tires, back-up camera, blue tooth, among other features. Lastly, the limited, the highest trim level nets you some luxury features. It sports automatic climate control, premium audio system, keyless entry, and keyless ignition.

Toyota 4Runner: Safety Ratings

Safety ratings can also help you lower your premium. The 2012 4Runner has gotten the highest possible rating of good from the IIHS for front, side, and rear impact tests. However, it got the second highest possible rating of acceptable for roof tests. The federal government has not finished testing the car, but it has given it 3/5 stars for rollover crash tests.

Toyota 4Runner Insurance: Obtain a Quote

Don’t hesitate, and start saving today! Just enter your zip code, and we’ll get you started with some personalized quotes.