Cheapest Insurance for a Toyota 4Runner in North Dakota

We always joke that when we write about auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article to describe car insurance prices. Notwithstanding, cheap auto insurance for a Toyota 4Runner can be extremely hard to find. Don’t let that discourage you, because we are going to show you some ways you can find and buy car insurance that you are able to afford.

The chances of finding cheap insurance for a Toyota 4Runner in North Dakota is contingent on a large number of factors such as if you are married or single, whether or not you have filed claims in the past, and your policy deductibles. North Dakota drivers pay on average $780 each year to insure their 4Runner, but that is a valuation based on rates for a 40-year-old single male driver who requires both comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you’re not a 40-year-old male, possibly married instead of single, and maybe your 4Runner just needs liability-only coverage. Even a slight change in the rating input factors may result in significant differences in rates.

Every driver has different characteristics, so the way we recommend to find cheap insurance prices for your Toyota is to quote often and with as many companies as possible.

Find Cheaper Toyota 4Runner Insurance

Vehicle trim level will have an impact the cost of coverage, so the cost to insure a 4Runner Sport 2WD will be $120 less expensive the insurance cost for the higher-end 4Runner Limited 4WD version, as shown in the table below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in zip code location which can revise coverage rates greatly.

Shopping around for cost effective car insurance is challenging, and deciding which insurers offer the most affordable auto insurance rates for a Toyota 4Runner may require even more rate comparisons. Every insurance company has their own formula to determine premium rates, so let’s rank the overall cheapest auto insurance companies in North Dakota.

It’s a good idea to be aware that North Dakota auto insurance rates are determined by lots of factors that can increase the price you have to pay for coverage. This price variability is why consumers need to compare many different companies when trying to get the most economical insurance rates for a Toyota 4Runner. Car insurance prices are calculated by many things and can change substantially, so the most economical option the last time you shopped your coverage around may now be costing you a lot of money.

Best Car Insurance Prices for Your Toyota

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USAA may offer some of the best car insurance rates in North Dakota at around $725 a year. Allied, Nodak Mutual, Grinnell, and Safeco also make the cut as some of the more affordable North Dakota car insurance companies.

As the rates illustrate above, if you currently buy coverage from Safeco and switched to Allied, you could realize a yearly price reduction of about $249. Drivers with State Farm could save as much as $257 a year, and Progressive customers might cut rates by $409 a year.

Be aware that those prices are averages across all insureds and vehicles and and are not figured with a specific rate factor for a Toyota 4Runner. So the insurer that fits your needs best may not even be in the chart above. That affirms the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

Discounts on the cheapest insurance for a Toyota 4Runner in North Dakota

Insurance companies that provide coverage for a Toyota 4Runner may also offer discounts that could lower prices by as much as 40% or more if you meet certain criteria. A few popular companies and a partial list of their discounts include:

The diagram below compares insurance premiums with and without discounts. Data assumes a male driver, a clean driving record, no claims, North Dakota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, multiple policy, homeowner, accident-free, safe-driver, and defensive driving course discounts applied. When discounts are factored in, the the amount saved on auto insurance for a Toyota 4Runner is % or $.

The example below shows how different deductible levels can change insurance costs when searching for cheap insurance for a Toyota 4Runner. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

The chart above illustrates that a 30-year-old driver could pocket $400 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $604 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could potentially save as much as $1,172 or even more by choosing larger deductibles on their policy. When using a larger deductible, it is a good idea to have spare funds to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Who is cheaper: Geico, State Farm, Progressive, or Allstate?

If you are shopping around for insurance for a 4Runner, four companies to take a look at are Geico, State Farm, Progressive, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has a distict selection of optional coverages and features that may affect your buying decision. The data below rates ratings and policy coverage options that may be available in your state.