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.
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.
| 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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| 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.
Get discount Tampa insurance
Car 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.
- Farm Bureau offers discounts including multi-vehicle, youthful driver, 55 and retired, multi-policy, good student, safe driver, and driver training.
- Liberty Mutual discounts include new vehicle discount, new move discount, good student, newly married, and multi-policy.
- State Farm offers premium reductions for anti-theft, multiple autos, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and good driver.
- Auto-Owners Insurance may have discounts that include student away at school, multi-policy, safe driver, anti-theft, mature driver, and group or association.
- GEICO includes discounts for military active duty, multi-vehicle, driver training, five-year accident-free, and emergency military deployment.
- SAFECO offers discounts for drive less, teen safety rewards, anti-lock brakes, multi-car, anti-theft, accident prevention training, and homeowner.
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.
- State Farm: Jimmy Fisher
6920 E Fowler Ave – Tampa, FL 33617 – (813) 989-2037 - Jerry Perez – State Farm Insurance Agent
9724 N Armenia Ave #200 – Tampa, FL 33612 – (813) 931-3000 - Mike Foley – State Farm Insurance Agent
3704 W Swann Ave – Tampa, FL 33609 – (813) 289-7888 - Carron Insurance Agency, Inc
1010 W Cass St – Tampa, FL 33606 – (813) 926-0512
View map of Tampa, FL insurance agents
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.
- Good credit can save money
- Home or renters coverage can save on auto insurance
- Staying accident-free helps keep rates low
- Safer vehicles cost less to insure
- Save money by insuring older vehicles for liability only
- Comparison shop at least every other year
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.