Cheapest Insurance for a Toyota 4Runner in Texas

Your ability to find cheaper car insurance for a Toyota 4Runner in Texas hinges on an enormous amount of rating factors such as how safe your vehicle is, if you currently have coverage, and any past driving violations you may have had. Drivers in Texas pay an average rate of $1,000 every 12 months to buy insurance for a Toyota 4Runner, but that rate is a valuation based on rates for a 30-year-old married male that includes comprehensive and collision coverage and $500 policy deductibles.

There is a very good chance that you are not a 30-year-old male, single instead of married, and there is a good chance that other rated drivers impact the rate. Just a slight change in the factors used in pricing a policy may result in significant differences in how much coverage for a Toyota 4Runner costs.

Car insurance rates are unique for each driver, so the most reliable method for finding cheap insurance rates for your Toyota is to comparison shop your policy at every renewal or at least every couple of years. It only takes a couple of minutes and you will receive prices from the best auto insurance companies around.

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The trim level of your vehicle will likely have an effect on the insurance rate, so the rate you pay to insure a 4Runner Sport 2WD trim level will cost $174 less than the insurance cost for the high end 4Runner Limited 4WD version, as shown in the table below.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can increase or decrease coverage rates substantially.

Texas car insurance company ratings

Buying coverage from the best auto insurance provider can be challenging considering how many different insurance companies sell coverage in Texas. The ranking data displayed below can help you choose which auto insurance companies you want to consider when shopping insurance around for a Toyota 4Runner. These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top Companies for Toyota 4Runner Insurance in Texas

The illustration below shows how different deductible levels can affect premium costs when searching for cheap insurance for a Toyota 4Runner. The premiums assume a single male driver, full physical damage coverage, and no other discounts are factored in.

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A 50-year-old driver could pocket $452 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $682 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could drop their prices $1,476 or more by choosing larger deductibles on their policy. When increasing deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get the cheapest insurance for a Toyota 4Runner in Texas

It is possible to find better rates, and here are some penny-pinching solutions that can help you get the cheapest coverage.

• Do not get traffic citations
• Higher deductibles mean lower rates
• Too many claims can make car insurance unaffordable
• Remain accident-free and save
• Do not pay for full coverage if not needed
• Shop your coverage around for the best deal

The final tip is incredibly valuable, as we noted in the prior information. Insurance prices go up and down frequently, so don’t be unwilling to change to a new company if a more affordable rate is found.

Having a favorite company is great, but is isn’t recommended if that inflexibility results in costing you lots of hard earned cash every month. Take a few minutes and compare prices and find cheaper auto insurance for a Toyota 4Runner.