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

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

The likelihood of finding cheaper coverage for a Toyota 4Runner in Oklahoma is contingent on a pretty complex algorithm that uses a lot of factors such as whether or not you are married, your credit score, and whether or not you are a good driver. Oklahoma drivers on average pay around $1,190 each year to insure a 4Runner, but that cost is an estimate assuming a 40-year-old single female who requires full physical damage coverage and $1,000 physical damage deductibles.

There is a good possibility you are not 40 and possibly not even female, maybe you are married instead of single, and there is a good chance that you need different coverage limits than the exampe. Just a slight difference in rating factors or requested coverage amount can result in a massive change in the price of coverage.

Not every driver requires the same auto insurance coverages, so the best method for finding the cheapest insurance price for your Toyota is to take your time and compare rates from as many companies as possible.

View Toyota 4Runner Insurance Rates

Your Toyota’s trim level will influence the cost of insurance, so the price to insure a 4Runner Sport 2WD trim level will be $174 less than the cost to insure the high end 4Runner Limited 4WD trim level, as shown below.

Toyota 4Runner Insurance Rates in Oklahoma
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $232 $342 $496 $30 $148 $1,248 $104
4Runner SR/5 2WD $232 $416 $496 $30 $148 $1,322 $110
4Runner Sport 4WD $232 $416 $496 $30 $148 $1,322 $110
4Runner SR/5 4WD $232 $416 $496 $30 $148 $1,322 $110
4Runner Trail Edition 4WD $258 $490 $496 $30 $148 $1,422 $119
4Runner Limited 2WD $258 $490 $496 $30 $148 $1,422 $119
4Runner Limited 4WD $258 $490 $496 $30 $148 $1,422 $119
Get Your Own Custom Quote Go

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can influence insurance rates greatly.

How to find a good Oklahoma car insurance company

Choosing a high-quality insurance provider is hard considering how many companies there are to choose from in Oklahoma. The information displayed below can help you analyze which car insurance providers you want to consider when trying to find cheaper insurance for a Toyota 4Runner. These rankings only include companies with a national presence, so smaller companies that only insure vehicles in Oklahoma will not be included in this list.

Top 10 Major Auto Insurance Companies in Oklahoma Ranked by A.M. Best Rating

  1. Travelers – A++
  2. State Farm – A++
  3. GEICO – A++
  4. USAA – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Mercury Insurance – A+
  8. The Hartford – A+
  9. Progressive – A+
  10. Allstate – A+

Top 10 Major Auto Insurance Companies Overall in Oklahoma

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top Companies for Toyota 4Runner Insurance in Oklahoma

Discounts on cheap insurance for a Toyota 4Runner in Oklahoma

Car insurance for a 4Runner in OklahomaInsurers that offer cheap quotes for a Toyota 4Runner may also provide special discounts that may potentially lower prices by 35% or more if you can meet the requirements. A list of companies and their offered discounts are detailed below.

Car Insurance Discounts Available by Company
Discount Geico State Farm Allstate Progressive Nationwide Farmers
Multiple policies Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No No
Passive restraint Yes Yes Yes No Yes Yes
Daytime running lights Yes Yes No No No Yes
Newer vehicle No Yes Yes No Yes Yes
Safe driver Yes Yes Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes Yes Yes
Low mileage No Yes Yes Yes Yes No
Military Yes Yes No Yes No Yes
Affinity/occupation Yes No No No Yes Yes
Full payment Yes No Yes Yes Yes Yes
Paperless billing Yes No Yes Yes Yes Yes
Customer loyalty No Yes No Yes Yes Yes
Sign early No No Yes No Yes Yes
Good student Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes
Own home No No No Yes No Yes
Seat belt usage Yes No No No No No
Compare Rates Now Go

The illustration below visualizes the comparison of annual premium costs with and without discounts being applied to the rates. The information is based on a female driver, no tickets, no at-fault accidents, Oklahoma 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 multiple vehicle, homeowner, claim-free, anti-theft, vehicle safety, and defensive driving course discounts applied. When drivers qualify for the discounts, the the average amount saved on car insurance for a Toyota 4Runner is % or $.

Find cheap insurance for a Toyota 4Runner in Oklahoma

The list below details many money-saving suggestions that can help Oklahoma drivers get cheap coverage.

  • Buy a car with high safety ratings
  • Drop full coverage on older vehicles
  • Increase your credit score
  • Bundle car and home insurance and save money
  • Avoid accidents
  • Compare rates and switch if you can find a better deal

The last item on the list is certainly important, as we stressed in the prior article. Prices in Oklahoma vary greatly, so don’t be tentative to buy from a different company if a cheaper price is available. Sticking with a specific company is fine, but it’s not recommended if that dedication is costing hundreds of dollars a year. In just a couple of minutes you could shop around to find cheaper insurance for a Toyota 4Runner.