Finding the best cheap auto insurance for a Toyota 4Runner is pretty easy to do, but it relies on lots of different rating factors such as your gender, your credit history, and any past driving violations you may have had. California drivers will pay around $1,015 per year to insure their 4Runner, but that amount is an estimation based on a 50-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
Most likely you are not 50 and maybe not even a male, single instead of married, and you want different coverage limits than the example. Just a slight change in the criteria used to calculate rates may result in a big change in the cost of insurance.
Auto insurance requires individual risk assessment, so the only real way to find the cheapest rates for your Toyota is to just compare rates yourself. Rate quotes are easy and you will be able to compare rates from some of the most affordable companies that insure Toyota vehicles in California.
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The specific trim level tends to have a direct impact on the coverage cost, so the price you pay to insure a 4Runner Sport 2WD trim level will be $168 less than the cost to insure the high end 4Runner Limited 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $244 | $324 | $360 | $22 | $108 | $1,058 | $88 |
| 4Runner SR/5 2WD | $244 | $394 | $360 | $22 | $108 | $1,128 | $94 |
| 4Runner Sport 4WD | $244 | $394 | $360 | $22 | $108 | $1,128 | $94 |
| 4Runner SR/5 4WD | $244 | $394 | $360 | $22 | $108 | $1,128 | $94 |
| 4Runner Trail Edition 4WD | $272 | $464 | $360 | $22 | $108 | $1,226 | $102 |
| 4Runner Limited 2WD | $272 | $464 | $360 | $22 | $108 | $1,226 | $102 |
| 4Runner Limited 4WD | $272 | $464 | $360 | $22 | $108 | $1,226 | $102 |
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in San Jose location which can modify premiums noticeably.
San Jose insurance companies ranked
Selecting the right company can be rather challenging considering how many companies provide coverage in San Jose. The company rank data shown below can help you pick which auto insurance companies to look at when looking for cheaper rates.
The rankings below are only comprised of companies that insure vehicles nationwide, so companies that focus mainly on California business are not factored into these rankings. To compare prices and find cheaper insurance for a Toyota 4Runner, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on San Jose car insurance rates
Insurance providers that sell policies for a Toyota 4Runner may also give you rate discounts that may potentially lower prices by as much as 25% or more if you are eligible for them. Large insurance companies and some of the premium reductions they offer are shown below.
- Progressive discounts include multi-policy, continuous coverage, online quote discount, good student, online signing, and multi-vehicle.
- AAA offers discounts for good student, education and occupation, multi-policy, good driver, and multi-car.
- Farmers Insurance has savings for youthful driver, homeowner, bundle discounts, business and professional, multi-car, early shopping, and distant student.
- GEICO may have discounts that include anti-lock brakes, federal employee, five-year accident-free, emergency military deployment, membership and employees, driver training, and good student.
- Esurance offers premium reductions for paid-in-full, good driver, multi-policy, Switch & Save, Pac-12 alumni, and online quote.
- SAFECO policyholders can earn discounts including bundle discounts, anti-theft, teen safety rewards, homeowner, drive less, and safe driver.
- State Farm has discounts for passive restraint, safe vehicle, good student, anti-theft, accident-free, driver’s education, and multiple autos.
The illustration below visualizes the comparison of yearly insurance costs with and without policy discounts. The prices are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, multiple policy, marriage, multiple vehicle, defensive driving course, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Toyota 4Runner is 27% or $747.
The information below shows how different deductible levels can influence yearly insurance costs when getting quotes for cheap insurance for a Toyota 4Runner. The price estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $434 a year by switching from a $100 deductible to a $500 deductible, or save $656 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save up to $1,098 or more just by choosing higher deductibles when buying full coverage.
When raising deductibles, it is essential to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Should you buy full coverage?
Paying a lower price for insurance is the goal of the majority of drivers, and one good way to pay less for insurance for a Toyota 4Runner is to only buy liability insurance. The illustration below shows the difference between yearly insurance costs with liability coverage only compared to full coverage. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.
As an average for all age groups, comprehensive and collision coverage on your policy costs $2,515 per year over and above liability only. That touches on the question if you should buy full coverage at all. There is no exact formula that works best for making the decision to drop full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
The agents shown below can probably provide answers to your questions and help you determine which policy fits your needs best, as some drivers wish to have some advice when shopping around for cheaper insurance for a Toyota 4Runner. It can be hard to find coverage yourself, so insurance agents licensed in the state of California can provide you comfort knowing your coverage gives you enough coverage if you have a claim.
To find an auto insurance agency near you, click the link after the list.
- Allstate Insurance: David Tofig
6116 Camino Verde Dr Ste 9 – San Jose, CA 95119 – (408) 281-9190 - Beatriz Quezada – State Farm Insurance Agent
441 N 1st St – San Jose, CA 95112 – (408) 295-7000 - Farmers Insurance – Anh Vu
3005 Silver Creek Rd #110 – San Jose, CA 95121 – (408) 270-3978 - Joe Fiorentino – State Farm Insurance Agent
1153 Redmond Ave Ste C – San Jose, CA 95120 – (408) 927-7526 - Oasis Insurance Agency Inc. Branch 4
1629 Alum Rock Ave – San Jose, CA 95116 – (408) 929-6111