The chances that you’ll find the best cheap auto insurance for a Toyota 4Runner in Massachusetts is dependent upon a lot of different factors such as how you use your 4Runner, whether you are claim-free, and if you have any chargeable driving offenses. Drivers will pay around $1,100 every 12 months to buy Toyota 4Runner insurance, but that rate is a valuation using rate data for a 30-year-old married female driver that includes full coverage and $100 deductibles.
There is a good chance you are not 30 and maybe not even a female, possibly single instead of married, or maybe you just want different deductibles. Just a slight change in rating factors can produce large changes in rate quotes.
Insurance is an individual thing, so the way we recommend to find affordable rates for your Toyota is to shop your policy around every couple of years. Quotes only take a few minutes and you can get prices from top-rated companies that insure vehicles in Massachusetts.
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Your Toyota’s trim level will have an impact the yearly cost, so the cost to insure a 4Runner Sport 2WD will be $218 less than the insurance cost for the more expensive 4Runner Limited 4WD trim level, as shown in the table below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
4Runner Sport 2WD | $314 | $418 | $290 | $18 | $86 | $1,126 | $94 |
4Runner SR/5 2WD | $314 | $510 | $290 | $18 | $86 | $1,218 | $102 |
4Runner Sport 4WD | $314 | $510 | $290 | $18 | $86 | $1,218 | $102 |
4Runner SR/5 4WD | $314 | $510 | $290 | $18 | $86 | $1,218 | $102 |
4Runner Trail Edition 4WD | $350 | $600 | $290 | $18 | $86 | $1,344 | $112 |
4Runner Limited 2WD | $350 | $600 | $290 | $18 | $86 | $1,344 | $112 |
4Runner Limited 4WD | $350 | $600 | $290 | $18 | $86 | $1,344 | $112 |
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in your specific Massachusetts location which can lower or raise price quotes noticeably.
Trying to find low-priced car insurance is challenging, and deciding which company quotes the best insurance rates for a Toyota 4Runner will require even more perseverance. Every car insurance company uses slightly different criteria for establishing rates, so let’s rank the insurance companies that tend to have lower prices in Massachusetts.
Best Cheap Insurance Rates for Your Toyota
Rank | Company | Cost Per Year |
---|---|---|
1 | State Farm | $719 |
2 | National Grange Mutual | $823 |
3 | GEICO | $868 |
4 | Commerce Group | $875 |
5 | OneBeacon | $876 |
6 | Progressive | $989 |
7 | Arbella | $1,030 |
8 | USAA | $1,044 |
9 | Norfolk and Dedham | $1,046 |
10 | Amica | $1,142 |
11 | Quincy Mutual | $1,294 |
12 | Vermont Mutual | $1,297 |
13 | Hanover | $1,345 |
14 | Travelers | $1,349 |
15 | Safety Group | $1,352 |
16 | Peerless | $1,399 |
17 | MetLife | $1,439 |
18 | Plymouth Rock | $1,556 |
19 | Liberty Mutual | $1,789 |
20 | Allstate | $1,791 |
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State Farm may have some of the most affordable car insurance rates in Massachusetts at around $719 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also be considered some of the best Massachusetts car insurance companies.
As the rates illustrate above, if you buy coverage from Commerce Group and switched to State Farm, you may realize annual savings of upwards of $156. Drivers with OneBeacon could save as much as $157 a year, and Progressive insureds might reduce rates by $270 a year.
Remember that these premiums are averaged across all types of insureds and vehicles and and are not figured with a specific rate value for a Toyota 4Runner. So the insurer that fits you best may not even be shown in the list of companies above. That affirms the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.
Car insurance companies that sell policies for a Toyota 4Runner may additionally offer premium discounts that may potentially lower prices by as much as 35% if you qualify for them. Companies and their offered discounts are:
The example below shows the comparison of auto insurance rates with and without discounts. The information is based on a female driver, no claims or driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, accident-free, passive restraint, anti-theft, safe-driver, and homeowner discounts applied. When discounts are factored in, the the amount saved on insurance for a Toyota 4Runner is 27% or $516.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2749,1985],[‘Age 30’, 1931,1405],[‘Age 40’, 1787,1299],[‘Age 50’, 1563,1137],[‘Age 60’, 1509,1097],[‘Age 70’, 1743,1261]]);var options = {title: ‘Insurance Rate Comparison for a Toyota 4Runner’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota 4Runner in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
The ideal way to snag low insurance premiums in Massachusetts for a 4Runner is to be a good driver and avoid at-fault accidents and violations. The example below shows how speeding tickets and at-fault claims drive up insurance premiums for different categories of driver ages. The costs are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3709,3977,4741],[‘Age 30’, 1935,2205,2971],[‘Age 40’, 1921,2193,2957],[‘Age 50’, 1743,2013,2777],[‘Age 60’, 1679,1949,2717],[‘Age 70’, 2009,2283,3045]]);var options = {title: ‘Impact of Tickets and Claims on Massachusetts Toyota 4Runner Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota 4Runner in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}
In the previous example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,166. Get written up for one speeding ticket and the average cost surges to $2,437, an increase of $271 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of insurance for a Toyota 4Runner jumps again to an average of $3,201. That’s an increase of $1,035, or $86 per month, just for not maintaining a clean driving record!
If you want reliable car insurance, four companies to definitely compare rates with are State Farm, Geico, Progressive, and Allstate. The data below rates price and claims rank as well as some different options that are available.
State Farm | Geico | Progressive | Allstate | |
---|---|---|---|---|
Discounts Available | 3rd | 2nd | 4th | 1st |
Client Satisfaction | 4th | 1st | 3rd | 2nd |
Policy Cost | 2nd | 1st | 3rd | 4th |
Claims Handling | 2nd | 3rd | 4th | 1st |
U.S. market share | 18.3% | 11.4% | 8.8% | 10% |
Rating from A.M. Best | A++ | A++ | A+ | A+ |
S&P financial rating | AA | AA+ | AA | AA- |
Roadside service | Yes | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Usage-based rating | Yes | No | Yes | Yes |
New car replacement coverage | No | No | No | Yes |
Mechanical breakdown insurance | No | Yes | Yes | No |
Insure in Massachusetts | Yes | Yes | Yes | Yes |
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