Who Has Affordable Tampa Auto Insurance for a Toyota 4Runner?

Buying cheap auto insurance for a Toyota 4Runner hinges on many rating factors such as age of the driver, your credit history, and violations on your driving record. Florida drivers pay on average $1,254 annually to insure their 4Runner, but that is an approximation using a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.

When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, and you want different coverage limits than the example. Having even a minor difference in the criteria used to calculate rates could result in a significant change in the cost of insuring your 4Runner.

Auto insurance is unique to each driver, so the only way to find the most affordable coverage for your Toyota is to do your own rate comparisons.

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The specific model of 4Runner will be a contributing factor to the cost of coverage, so the rate you will pay to insure a 4Runner Sport 2WD will be $236 less than the insurance cost for the higher-priced 4Runner Limited 4WD model, as shown in the chart below.

Toyota 4Runner Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $364 $446 $354 $20 $106 $1,290 $108
4Runner SR/5 2WD $364 $544 $354 $20 $106 $1,388 $116
4Runner Sport 4WD $364 $544 $354 $20 $106 $1,388 $116
4Runner SR/5 4WD $364 $544 $354 $20 $106 $1,388 $116
4Runner Trail Edition 4WD $406 $640 $354 $20 $106 $1,526 $127
4Runner Limited 2WD $406 $640 $354 $20 $106 $1,526 $127
4Runner Limited 4WD $406 $640 $354 $20 $106 $1,526 $127
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location which can lower or raise rates noticeably.

Finding good, affordable auto insurance is not always easy, and deciding which insurers offer the best auto insurance rates for a Toyota 4Runner may require even more shopping around. Each auto insurance company has a unique approach for determining rates in each state, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Florida.

It’s a good idea to know that Tampa, FL auto insurance rates are determined by lots of factors which can substantially change the policy price. That is why it is crucial to compare as many rates as possible to find affordable insurance rates for a Toyota 4Runner. Insurance prices are calculated by many factors and can change without notice, so the cheapest rate three years ago may now be an over-priced policy.

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Rankings for the cheapest car insurance companies in Florida
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,712
3 Amica $1,746
4 Progressive $1,829
5 Mercury $1,914
6 Allied $1,926
7 Travelers $1,945
8 State Farm $2,047
9 Esurance $2,102
10 Auto-Owners $2,149
11 GEICO $2,172
12 Allstate $2,340
13 21st Century $2,469
14 Windhaven Insurance $2,575
15 MetLife $2,900
16 Safeco $2,927
17 Hanover $3,024
18 Liberty Mutual $3,039
19 United Automobile $3,457
20 Direct General $3,902
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USAA quotes some of the lowest car insurance rates in Tampa at around $948 each year. Electric, Amica, Progressive, and Mercury would also make the list of some of the lowest-priced Tampa, FL insurance companies.

In the above rates, if you are a policyholder with Progressive and switched to Electric, you could see an annual premium reduction of about $117. Customers with Mercury might save as much as $202 a year, and Allied insureds might reduce prices by as much as $214 a year.

To find out how much you can save, click here to start your free quote or visit any of the companies below.

Bear in mind that those policy prices are averaged for all insureds and vehicles and and are not calculated with a vehicle location for a Toyota 4Runner. So the insurer that is best for you may not even be in the list above. That helps illustrate why you need to get quotes using your own specific driver information and vehicle.

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Discounts on auto insurance for a Toyota 4RunnerCar insurance companies that provide policies for a Toyota 4Runner may also provide special discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A few popular companies and a partial list of their discounts are included below.

The example below shows the difference between premium costs with and without some available policy discounts. The prices are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, anti-theft, safe-driver, homeowner, marriage, and accident-free discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for a Toyota 4Runner is 27% or $774.

The illustration below illustrates how choosing a deductible can raise or lower insurance prices when researching cheap insurance for a Toyota 4Runner. The data is based on a single female driver, full physical damage coverage, and no other discounts are factored in.

As shown above, a 30-year-old driver could lower their policy premium by $544 a year by switching from a $100 deductible to a $500 deductible, or save $820 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can cut as much as $1,204 or more by choosing a higher deductible. When choosing a higher deductible, it is essential to have enough spare savings to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

The Tampa car insurance agencies listed below can most likely provide answers to your questions and help you determine which coverage meets your needs best, as some people prefer to have the advice of a professional agent when shopping for cheaper insurance for a Toyota 4Runner. It can be complicated to find the cheapest rates, and getting advice from a licensed agent can give you satisfaction knowing you have adequate protection in case of an accident or claim. To find a Tampa insurance agency near you, click the link after the list or click here to get price quotes now.

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How to find the cheapest auto insurance for a Toyota 4Runner

The list below summarizes a few penny-pinching ideas that can help you quote cheap coverage.

The last tip is remarkably valuable, as we pointed out in the prior information. Car insurance rates can be adjusted at any time, so don’t be afraid to buy a policy from a new company if a better deal can be had. Brand loyalty is not necessarily bad, but we do not recommend it if that faithfulness ends up costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for a Toyota 4Runner in Tampa.