Who Has Cheap Insurance for a Toyota 4Runner in Nebraska?

The odds of finding cheap coverage for a Toyota 4Runner in Nebraska depends upon a large number of rating criteria such as how old the 4Runner is, if you are a frequent claim filer, and any prior driving citations you have received. Drivers on average pay around $1,030 each year for 4Runner insurance, but that figure is a ballpark figure calculated based on a 30-year-old single male who purchased comprehensive and collision coverage and $250 policy deductibles.

It’s more than likely that you are not a 30-year-old male, possibly married instead of single, or maybe you just want to insure for liability only. Even a slight difference in the rating criteria used to formulate rates can result in a massive change in rates.

Every driver has a different risk profile, so the best way to find the cheapest coverage for your Toyota is to shop your policy around at every renewal.

Insure Your Toyota for Less

Your Toyota’s trim level tends to have a direct effect on the insurance rate, so the price you pay to insure a 4Runner Sport 2WD model will be $174 lower than the cost to insure the high end 4Runner Limited 4WD trim level, as shown below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in Nebraska location which can influence price quotes considerably.

Picking a highly-rated insurer is hard considering how many companies are available to choose from in Nebraska. The information displayed below could help you decide which providers you want to consider when trying find the best insurance for a Toyota 4Runner.

The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that only write business in Nebraska or surrounding areas are not taken into consideration for the list. To compare price quotes from these top insurers and more, simply click here.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to earn the most affordable insurance premiums in Nebraska for a 4Runner is to drive cautiously and have a clean driving record. The illustration below shows how violations and accidents can raise insurance premiums for each different age category. The data assumes a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of car insurance per year with no violations or accidents is $1,782. Factor in one speeding ticket and the average cost increases to $2,004, an increase of $223 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Toyota 4Runner increases to an average of $2,628. That’s an increase of $846, or $71 per month, just for not maintaining a clean driving record!

Full coverage versus liability-only in Nebraska

Finding cheap insurance for a Toyota 4Runner in Nebraska is important to the majority of people, and one of the fastest ways to save on the cost of insurance is to not buy full coverage. The diagram below shows the comparison of car insurance rates with full coverage and liability only. The rate quotes are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.

If all age groups are averaged, full coverage costs an extra $1,493 per year over and above liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no set guideline to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

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

If you are looking for the best insurance for a 4Runner, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. Combined they have almost half of all car insurance policies in America. All four can cover your vehicle for liability and physical damage, but each one has a different combination of discounts, features, and options that may affect your buying decision. The data below illustrates price and claims rank as well as some different options you can buy with each company.