How Much are Insurance Quotes for a Toyota 4Runner in Virginia?

Your odds of finding cheap insurance for a Toyota 4Runner in Virginia relies on a large number of rating criteria like your marital status, whether or not you have prior claims, and the deductible amount you use. Drivers on average will pay $590 a year to buy insurance for a Toyota 4Runner, but that is using cost data for a 50-year-old married male who requires full coverage including both comprehensive and collision and $500 physical damage deductibles.

But there is a high probability that you aren’t exactly 50 years old or even a male, you might be single instead of married, or maybe your 4Runner is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in quote information can make a big difference in the coverage rate.

Auto insurance rates are unique for each driver, so your best shot at finding cheap insurance rates for your Toyota is to make a habit of regularly comparing rates from other companies. Price quotes are quick and you will get price quotes from the best companies around.

Compare Toyota 4Runner Insurance Rates

The specific model of 4Runner tends to have a direct impact on the annual cost of coverage, so the cost to insure a 4Runner Sport 2WD model will be $98 less expensive the cost to insure the more costly 4Runner Limited 4WD model, as shown below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in your specific Virginia location which can lower or raise coverage prices greatly.

Auto insurance company ratings

Selecting the top auto insurance company can be challenging considering how many different companies there are to choose from in Virginia. The rank data below may help you choose which coverage providers you want to consider putting your business with.

The ratings below include large nationwide companies, so companies without a large exposure will not be included in this list. If you wish to compare rates from these and other top-rated companies, click here.

Tickets and at-fault accidents raise rates

The easiest way to maintain cheap insurance for a Toyota 4Runner in Virginia is to be a good driver and have a clean driving record. The diagram below illustrates how speeding tickets and at-fault collisions can impact insurance costs for each different age group. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no other 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’, 2879,3087,4771],[‘Age 30’, 1501,1713,3395],[‘Age 40’, 1495,1705,3387],[‘Age 50’, 1355,1563,3245],[‘Age 60’, 1305,1517,3199],[‘Age 70’, 1563,1769,3455]]);var options = {title: ‘Accidents, Violations, and Virginia 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 Virginia’,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);}

The data above shows the average cost of car insurance in Virginia per year with no violations or accidents is $1,683. Add in one speeding ticket and the average cost hikes up to $1,892, an increase of $209 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for a Toyota 4Runner increases to an average of $3,575. That’s an increase of $1,892, or $158 per month, just for not keeping your driving record clean!

Discount Virginia auto insurance rates

Car insurance companies that sell cheap insurance for a Toyota 4Runner in Virginia may also give you special discounts that could reduce prices by as much as 35% if you are eligible for them. A few popular companies and some of the premium reductions they offer are shown below.

• The Hartford may have discounts that include good student, driver training, anti-theft, vehicle fuel type, and defensive driver.
• American Family offers discounts for multi-vehicle, mySafetyValet, bundled insurance, defensive driver, good student, and Steer into Savings.
• Progressive may offer discounts for multi-vehicle, good student, online signing, homeowner, online quote discount, continuous coverage, and multi-policy.
• Travelers has discounts for new car, IntelliDrive, good student, early quote, and student away at school.
• Farmers Insurance offers premium reductions for distant student, mature driver, electronic funds transfer, teen driver, pay in full, business and professional, and homeowner.
• USAA offers discounts including annual mileage, multi-vehicle, new vehicle, defensive driver, loyalty savings, and good student.
• Liberty Mutual has savings for new graduate, newly married, safety features, teen driver discount, good student, and new vehicle discount.

The chart below shows the comparison of car insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no violations or accidents, Virginia state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, defensive driving course, anti-theft, marriage, accident-free, and multiple vehicle discounts applied. When these discounts are applied, the the amount saved on auto insurance for a Toyota 4Runner is 28% or $314.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1687,1213],[‘Age 30’, 1155,841],[‘Age 40’, 1079,783],[‘Age 50’, 945,687],[‘Age 60’, 911,663],[‘Age 70’, 1069,773]]);var options = {title: ‘Comparison of Insurance Rates for a Toyota 4Runner’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota 4Runner in Virginia’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who has the cheapest Toyota 4Runner insurance quotes?

Thanks to the internet, there are a lot of ways to comparison shop for auto insurance in Virginia, but the most popular are through an independent agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or buying direct from a company like Geico or Progressive. They all have the same basic principle, but it’s important to point out the distinctions in how they give price quotes.

Independent insurance agencies work for many companies and can compare coverage rates with every one. These types of agents do not sell for just one brand and can provide multiple price quotes, which can help you get the best shot at cutting your rates. If premiums increase, an independent agent can move your coverage and you stay with the same agent.

A captive or exclusive agent is only able to give rates for a single company, two examples being Allstate and Liberty Mutual agents. They usually cannot provide rate quotes from other companies, so it’s a good idea to get additional quotes.

Direct auto insurance buyers forego the middleman (the agent) and instead buy buying direct from a company like Progressive or Geico. This auto insurance option can be a good choice for consumers who have fewer assets and have a decent understanding of the exclusions of a policy.

When shopping for auto insurance, which way works best for finding cheap insurance for a Toyota 4Runner in Virginia? It would be easy to say shopping direct results in the cheapest rates since no commissions are paid to an agent, but in reality, that argument does not hold true. A good argument could also be made that an independent agent guarantees the best prices due to increased selection, but that is not accurate either. In many circumstances, exclusive agents have very competitive rates that independents and direct companies can’t touch.

Because there are so many factors that make up auto insurance rates, the one way to buy the cheapest policy is to compare lots of quotes. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

How to get cheap insurance for a Toyota 4Runner in Virginia

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help Virginia drivers quote low-cost car insurance.

• Try to pay small claims out-of-pocket
• Bundle home and auto and save
• Safer vehicles cost less to insure
• Tickets and violations raise rates
• Drive attentively and avoid accidents
• Keep rates low by comparing prices once a year

The last suggestion is extraordinarily necessary, as was emphasized in this article. Auto insurance prices adjust frequently, so you should be ready to change to a new company if you can save money. Loyalty to a specific company is fine, but we do not recommend it if it’s costing you money that could be going to better use. Spend a few minutes and shop around and find cheaper car insurance for a Toyota 4Runner.

Does Progressive, State Farm, Allstate, or Geico have the cheapest car insurance?

When researching insurance for a 4Runner in Virginia, the companies with the most market share are Progressive, State Farm, Allstate, and Geico. All of them offer physical damage and liability coverage, but each has slightly different coverage options that shoppers can choose from. The data below breaks down some of the ratings and options shoppers can find with each company.