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

The chances of buying cheap insurance for a Toyota 4Runner in New Jersey relies on a lot of different factors like how old the 4Runner is, if you have recent claims, and deductible levels for physical damage coverage. New Jersey drivers pay an average rate of $1,380 per year to buy insurance for a Toyota 4Runner, but that rate is a ballpark figure using rate data for a 40-year-old married male driver who purchased full physical damage coverage and $250 policy deductibles.

When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a male, maybe you are single instead of married, or maybe you need higher liability limits than the state minimum. Auto insurance is unique to each driver, so your best shot at finding the cheapest rates for your Toyota is to take your time and compare rates from as many companies as possible. Compare rate quotes now and you can get rates from some of the most affordable companies that insure vehicles in New Jersey.

View Toyota 4Runner Insurance Rates

Vehicle trim level tends to impact the insurance rate, so the price to insure a 4Runner Sport 2WD will be $246 less than the cost to insure the more expensive 4Runner Limited 4WD trim level, as shown by the rates below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can alter prices substantially.

Figuring out which company offers the cheapest car insurance rates for a Toyota 4Runner requires more work in order to find the best price.

Every car insurance company has a unique formula for determining prices, so we need to take a look at the most budget-friendly car insurance companies in New Jersey.

Find Cheaper Auto Insurance for Your Toyota

Compare Rates Today

21st Century quotes some of the best car insurance rates in New Jersey at around $1,078 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also be considered some of the best New Jersey insurance companies.

As depicted above, if you have coverage with Palisades and switched to Travelers, you might see a yearly price reduction of around $163. Policyholders with Allstate might save as much as $302 a year, and California Casualty insureds might see rate reductions of $304 a year.

Remember that these prices are averaged across all types of insureds and vehicles and and are not calculated with a specific rate value for a Toyota 4Runner. So the car insurance company that can offer the best rates for your situation may not even be in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own individual information.

Violations and accidents raise rates

The ideal way to receive the cheapest insurance for a Toyota 4Runner in New Jersey is to drive attentively and not have accidents or get tickets. The example below demonstrates how citations and at-fault claims influence auto insurance rates for each age group. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3809,4155,7045],[‘Age 30’, 2653,2997,5895],[‘Age 40’, 2457,2803,5695],[‘Age 50’, 2151,2497,5389],[‘Age 60’, 2075,2417,5313],[‘Age 70’, 2407,2753,5645]]);var options = {title: ‘Effect of Tickets and Accidents on New Jersey Toyota 4Runner Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota 4Runner in New Jersey’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in New Jersey per year with no accidents and a clean driving record is $2,592. Receive one speeding ticket and the average cost increases to $2,937, an increase of $345 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Toyota 4Runner goes up to an average of $5,830. That’s an increase of $3,238, or $270 per month, just for not maintaining a clean driving record!

Geico, Allstate, Progressive, and State Farm compared

When shopping for insurance for a 4Runner in New Jersey, four of the best places to start are Geico, Allstate, Progressive, and State Farm. The data below breaks down price, claims, and customer service ratings, as well as some optional coverages that may be available in New Jersey.