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

Since we’re writing about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Toyota 4Runner can be hard, if not impossible, to find. But don’t despair, because we will show you how you can still find auto insurance that works with your budget.

The chances of buying cheaper insurance for a Toyota 4Runner in Missouri hinges on a complicated formula that considers factors like how old you are, if you have recent claims, and violations on your driving record. Missouri drivers on average pay approximately $900 a year to insure a Toyota 4Runner, but that is a valuation that uses rate data for a 40-year-old single male driver that includes full coverage including both comprehensive and collision and $250 deductibles.

It’s more than likely you may not be 40 years old (or even male), possibly married instead of single, or maybe you have a couple of speeding tickets. Having even a minor difference in rating variables or coverage information can lead to a big change in the cost of coverage for a Toyota 4Runner.

This example demonstrates why the only way to find cheap insurance prices for your Toyota is to compare as many rates as you can.

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The specific model of 4Runner will influence the cost of insurance, so the price you will be charged to insure a 4Runner Sport 2WD trim level will be $168 lower than the price to insure the more costly 4Runner Limited 4WD version, as shown in the table below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can affect coverage rates considerably.

Deciphering which company offers the cheapest insurance rates for a Toyota 4Runner may require more work than just picking a company at random. Each auto insurance company has a unique formula for establishing rates, so we’ll take a look at the most competitive insurance companies in Missouri.

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USAA has some of the most affordable car insurance rates in Missouri at around $668 annually. The Hartford, Electric, Allied, and Auto-Owners also rank well as some of the cheapest Missouri car insurance companies.

As the rates illustrate above, if you currently have a policy with Allied and switched to USAA, you could earn an annual savings of in the neighborhood of $207. Missouri drivers with Auto-Owners may save as much as $359 a year, and Travelers insureds might lower prices by $360 a year.

To compare your rates to other Missouri insurance companies, click here to begin a quote or click through to the companies below.

It’s important to note that these policy rates are averaged for all types of insureds and vehicles and and are not figured with a specific rating modification for a Toyota 4Runner. So the insurer that fits your situation best may not even be featured in the above rate chart. That is why you need to get car insurance quotes using your own personal information and vehicle type.

Discounts on cheap insurance for a Toyota 4Runner in Missouri

Auto insurance companies that provide policies for a Toyota 4Runner could also offer discounts that could potentially reduce rates by 35% or more if you qualify. Large insurance companies and some of the discounts are:

The information below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The data assumes a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, passive restraint, multiple policy, defensive driving course, homeowner, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Toyota 4Runner is % or $.

Reckless driving habits raise insurance rates

In a perfect world, the ideal way to earn low insurance rates for a 4Runner is to drive carefully and have a clean driving record. The diagram below shows how traffic citations and accidents raise car insurance rates for each age group. The rate quotes are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

In the prior example, the average cost of auto insurance per year with no violations or accidents is $1,526. Receive two speeding tickets and the average cost hikes up to $2,024, an increase of $498 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for a Toyota 4Runner jumps again to an average of $2,515. That’s an increase of $990, or $82 per month, just for not paying attention while driving!