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

When writing about shopping for car insurance, the words “affordable” or “cheap” should never be used anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Toyota 4Runner is not easy to find. Don’t let that discourage you, because we are going to tell you how you can still get coverage that you can afford to pay for.

Your chances of buying cheaper car insurance for a Toyota 4Runner in Arizona hinges on an enormous amount of rating factors such as your age, whether you are claim-free, and if you had any at-fault accidents in the last few years. Drivers pay an average rate of $790 each year for 4Runner insurance, but that amount is an estimation based upon a 50-year-old single female driver that wants both comprehensive and collision coverage and $500 deductibles.

When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old female, maybe you are married instead of single, or you need different deductibles. This shows why the most reliable method for finding the cheapest rates for your Toyota is to comparison shop your policy at every renewal or at least every couple of years. To cut your rates now, get a free quote and you will receive price comparisons from some of the cheapest companies around.

View Toyota 4Runner Insurance Rates

The trim level of your vehicle will most likely have an effect on price, so the price you pay to insure a 4Runner Sport 2WD will be $132 less than the insurance cost for the more expensive 4Runner Limited 4WD version, as shown below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can change premium rates considerably.

Choosing a high-quality insurer can be a challenge considering how many companies there are to choose from in Arizona. The company rank data in the next section could help you select which car insurance companies you want to consider when shopping insurance around for a Toyota 4Runner.

These rankings only include companies that insure vehicles across America, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list. If you wish to compare rates from these top insurers and more, follow this link.

Top 10 Major Auto Insurance Companies in Arizona Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Major Auto Insurance Companies in Arizona Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Titan Insurance – A+
8. Progressive – A+
9. Mercury Insurance – A+
10. Allstate – A+

Top Companies for Toyota 4Runner Insurance in Arizona

Discounts on the cheapest insurance for a Toyota 4Runner in Arizona

Insurers that offer coverage for a Toyota 4Runner may have discounts that can lower rates by 30% or more if you qualify. A few of the larger companies and the discounts they provide can be found below.

The illustration below shows the difference between insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, vehicle safety, anti-theft, passive restraint, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for a Toyota 4Runner is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3053,2205],[‘Age 30’, 1629,1193],[‘Age 40’, 1603,1169],[‘Age 50’, 1453,1061],[‘Age 60’, 1403,1019],[‘Age 70’, 1677,1213]]);var options = {title: ‘Effect of Discounts on Insurance Price 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota 4Runner’,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);}

What aren’t you shopping around?

Arizona car insurance rates are impacted by many factors that can increase the policy premium. Simply improving your credit, buying a new vehicle, or getting a driving violation can cause premium changes that can make some companies more affordable than the competition.

In addition to those changes, car insurance companies change rates as needed in order to protect their financial rating. Significantly higher losses can result in more expensive premiums, while a profitable period can result in lower-cost 4Runner insurance rates.

To help illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Arizona for a 30-year-old male driver with no accidents, a clean driving record, and great credit. Based on his personal risk profile, The Hartford might quote the cheapest car insurance rates in Arizona at $836 a year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the best Arizona auto insurance companies.

google.charts.setOnLoadCallback(drawAZWitcqcibChart);function drawAZWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 836, ‘#77AF00’],[‘Auto-Owners’, 915, ‘#639100’],[‘Safeco’, 923, ‘#527800’],[‘USAA’, 1080, ‘#446400’],[‘Travelers’, 1086, ‘#385300’]]);var options = {title: ‘Best Cheap Auto Insurance for a Toyota 4Runner’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1186,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will give the driver from the above example some claims, less-than-perfect credit, and a couple of points charged on his driving record. Since every car insurance company has a different process for determining prices, analyzing rates may now show a different ranking of cheap Arizona auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawAZWcqcibChart);function drawAZWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1244.1, ‘#C75000’],[‘CSAA’, 1307.9, ‘#A54200’],[‘Ameriprise Group’, 1328.8, ‘#893700’],[‘Allied’, 1329.9, ‘#722D00’],[‘Auto-Owners’, 1372.5, ‘#5F2500’]]);var options = {title: ‘Car Insurance Rates with Claims and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1472.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the cheapest auto insurance in Arizona with CSAA, Ameriprise Group, Allied, and Auto-Owners now rounding out the top five. This example illustrates why consumers need to take the time to shop around with many companies to find the cheapest auto insurance quotes for a Toyota 4Runner. Insurance rates are determined by many factors and can change without notice, so the cheapest rate three years ago may now be an over-priced policy.

Tips for buying economical insurance for a Toyota 4Runner

The list below details some penny-pinching solutions that can help Arizona drivers locate cheaper coverage.

• Increase your credit rating
• Do not get traffic citations
• Buy your homeowners policy from the same company as your auto insurance
• Pay for small claims rather than turning them in to your insurance company
• Prevent price hikes by avoiding at-fault accidents
• Increase your comprehensive and collision deductibles
• Compare prices as often as possible

The last tip in the list is incredibly necessary, as we pointed out in the prior information. Car insurance rates adjust often, so drivers shouldn’t be resistant to buy a different policy if a better rate can be found.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that loyalty results in overpaying money that could be going to better use. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Toyota 4Runner.