Who Has the Cheapest Insurance for a Toyota 4Runner in Wisconsin?

Our editors have a joke that when writing about auto insurance, the word “cheap” should never be used anywhere in the article. Unfortunately, cheap auto insurance for a Toyota 4Runner does not exist. Don’t let that ruin your day, because there may be ways you can still find car insurance that won’t break your budget.

The odds of finding the cheapest insurance for a Toyota 4Runner in Wisconsin hinges on a large number of rating criteria such as whether you are single or married, your geographic location, and if you have any chargeable driving offenses. Drivers on average pay approximately $860 each year for 4Runner insurance, but that figure is using a 30-year-old single female that wants full comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely you are not 30 and maybe not even a female, maybe you are married instead of single, or you just prefer to insure for liability only. Just a very minor change in rating factors or requested coverage amount can make a huge difference in rate quotes.

Auto insurance prices are based on the driver profile the best method for finding the cheapest insurance price for your Toyota is to just compare rates yourself.

View Toyota 4Runner Insurance Rates

The specific model of 4Runner can impact the cost of insurance, so the price you will pay to insure a 4Runner Sport 2WD will be $158 less than the price to insure the higher-end 4Runner Limited 4WD trim level, as shown below.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in Wisconsin location which can lower or raise premium rates noticeably.

Choosing the right company can be challenging considering how many different companies there are to choose from in Wisconsin. The ranking data displayed below can help you pick which coverage providers to look at comparing rates from.

The rankings below include major nationwide insurance companies, so companies that have a smaller presence are not factored into these rankings. To compare price quotes and find the cheapest rates for a Toyota 4Runner, click here.

Top 10 Large Auto Insurance Companies Overall in Wisconsin

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Large Auto Insurance Companies in Wisconsin Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Toyota 4Runner Insurance in Wisconsin

Full coverage versus liability-only

Finding the cheapest insurance for a Toyota 4Runner in Wisconsin is the goal of most people, and one of the quickest ways to pay lower rates for insurance is to not buy full coverage. The information below illustrates the difference between auto insurance rates with full phyical damage coverage and with liability coverage only. Data assumes no accidents, no driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

As an average, comprehensive and collision coverage on your policy costs an additional $1,273 per year over liability only. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no definitive rule for phasing out full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Get discounts on Wisconsin auto insurance

Car insurance companies that sell the cheapest insurance for a Toyota 4Runner in Wisconsin may also give you discounts that could lower prices by 25% or more if you meet the requirements. A list of auto insurance companies and their possible discounts are shown below.

The example below illustrates the comparison of auto insurance costs with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Wisconsin state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, multiple policy, anti-theft, multiple vehicle, claim-free, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Toyota 4Runner is 15% or $182.