How Much Does Insurance Cost for a Toyota 4Runner in Georgia?

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” should never appear anywhere to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for a Toyota 4Runner is not always easy to find. But don’t let that discourage you, because we are going to show you how you can find coverage that is cheaper than your current policy.

Whether or not you can find cheap car insurance for a Toyota 4Runner in Georgia depends upon dozens of factors like if you have purchased a home, if you are currently insured, and any prior driving citations you have received. Georgia drivers pay an average of $900 annually for 4Runner insurance, but that figure is based on a 50-year-old married male driver that wants full physical damage coverage and $500 physical damage deductibles.

There is a high probability that you are not exactly 50 years old and possibly not even male, single instead of married, or maybe your Georgia zip code is rated cheaper than the example. Even a minor difference in rating factors can create big changes in the policy cost.

This demonstrates why the only real way to find the cheapest rates for your Toyota is to just take the time to do a thorough rate comparison. It takes less than five minutes and you will be able to see rates from some of the best companies that offer coverage in Georgia.

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Vehicle trim level tends to have a direct impact on the insurance rate, so the price you will pay to insure a 4Runner Sport 2WD will be $150 less expensive the price to insure the high end 4Runner Limited 4WD model, as demonstrated by the prices below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in garaging location in Georgia which can impact price quotes greatly.

Buying coverage from the top insurance provider is difficult considering how many choices you have in Georgia. The rank data displayed below could help you choose which car insurance providers you want to consider when shopping car insurance rates for a Toyota 4Runner. These ratings only include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Georgia are not included in these rankings.

Top 10 Large Auto Insurance Companies in Georgia Ranked by Value

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

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

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for Toyota 4Runner Insurance in Georgia

Cost of full coverage in Georgia

Finding cheap insurance for a Toyota 4Runner in Georgia is important to the majority of vehicle owners, and one common way to buy cheap insurance is to only buy liability coverage. The information below compares auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied.

As an average, physical damage insurance costs $2,066 per year more than carrying just liability coverage. That raises the question if paying for full coverage is worth it. There is no definitive guideline to eliminate full coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s book value is $10,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $9,000 after paying your policy deductible. If it’s costing in excess of $900 a year for your policy with full coverage, then it might be time to buy liability only.

Is the best company Allstate, State Farm, Progressive, or Geico?

When shopping for insurance for a 4Runner in Georgia, the most popular companies are Allstate, State Farm, Progressive, and Geico. Between them, they make up almost half of all vehicles in the U.S.. The table below compares and contrasts ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.

Who has the cheapest Toyota 4Runner insurance quotes?

Thanks to the internet, there are a lot of ways to find affordable car insurance in Georgia, but the most popular methods are through a captive (or exclusive) agent like Liberty Mutual or State Farm, an independent or non-exclusive agent, or from a direct company like Geico. Each way is similar, but car insurance shoppers should know the differences in how they work.

Independent agents write business for many companies and can provide price quotes from each one. Agents of this type can quote with many companies and give you more rate choices, which may give you more bang for your buck. If your agent finds better pricing, your policy is moved internally and you stay with the same agent.

An exclusive agent is only able to write business for one company, two examples are Allstate or State Farm agents. These agents usually cannot provide a range of price quotes, so they have to upsell other benefits.

The final way is buying direct, which means you bypass either of the other two types of agents and instead buy direct online or over the phone from a company like Progressive or Esurance. This option may be the best choice families who do not need risk management and know how car insurance works and possible exclusions.

So which method is best to find cheap insurance for a Toyota 4Runner in Georgia? The obvious answer would be shopping direct results in the best prices since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. A good argument could also be made that going through an independent agent guarantees the cheapest rates since there are more companies to choose from, but again, it’s not a sure thing. And often times, exclusive agencies have price quotes that other companies cannot beat.

Since car insurance prices vary so much, the only real way to find out which one is cheapest is to get quotes and compare the rates. Industry experts recommend getting price quotes from all three to give yourself enough choices. For a list of companies with cheap rates in Georgia, click here to view.