Best Cheap Insurance for a Toyota 4Runner in Utah

Best Cheap Insurance for a Toyota 4Runner in Utah

Your chances of buying the best cheap car insurance for a Toyota 4Runner in Utah hinges on a complex formula that factors things such as if you are married or single, if you have a coverage lapse, and blemishes on your driving record. Drivers in Utah pay an average of $810 each year to buy insurance for a Toyota 4Runner, but that rate is an approximation based on cost data for a 30-year-old single male driver that included full comprehensive and collision coverage and $500 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 30 years old and possibly not even male, possibly married instead of single, or maybe your 4Runner is a different trim level than the example. Each driver has unique rating factors, so the best way to quote cheap auto insurance rates for your Toyota is to shop around at every renewal for lower rates. In just a few minutes you will be able to see rates from some of the best companies that sell coverage in Utah.

Cheapest Toyota 4Runner Insurance Rates

Vehicle trim level will influence the insurance rate, so the price you will pay to insure a 4Runner Sport 2WD model will be $126 cheaper than the cost to insure the more costly 4Runner Limited 4WD trim level, as shown in the table below.

Toyota 4Runner Insurance Rates in Utah
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $216 $232 $298 $18 $90 $854 $71
4Runner SR/5 2WD $216 $282 $298 $18 $90 $904 $75
4Runner Sport 4WD $216 $282 $298 $18 $90 $904 $75
4Runner SR/5 4WD $216 $282 $298 $18 $90 $904 $75
4Runner Trail Edition 4WD $242 $332 $298 $18 $90 $980 $82
4Runner Limited 2WD $242 $332 $298 $18 $90 $980 $82
4Runner Limited 4WD $242 $332 $298 $18 $90 $980 $82
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can impact price quotes greatly.

Utah auto insurance company ratings

Choosing the top insurance provider is hard considering how many choices there are in Utah. The company rank data displayed below may help you decide which providers you want to consider when comparing auto insurance rates for a Toyota 4Runner.

The ratings below are only made up of companies that insure vehicles across America, so companies that focus mainly on Utah business are not taken into consideration for these rankings. To check rates from these companies and more, just click here.

Top 10 Major Car Insurance Companies in Utah Ranked by A.M. Best Rating

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

Top 10 Major Car Insurance Companies in Utah Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. Nationwide – 90%
  4. State Farm – 90%
  5. GEICO – 89%
  6. The Hartford – 89%
  7. The General – 88%
  8. Allstate – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top Companies for Toyota 4Runner Insurance in Utah

Poor driving habits will raise your auto insurance rates

A great way to enjoy the best cheap insurance for a Toyota 4Runner in Utah is to drive safe and avoid tickets and accidents. The chart below highlights how traffic violations and fender-benders can affect annual premium costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of an auto insurance policy in Utah per year with no accidents and a clean driving record is $1,313. Get written up for one speeding ticket and the average cost surges to $1,505, an increase of $192 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Toyota 4Runner increases to an average of $3,117. That’s an increase of $1,804, or $150 per month, just for not driving attentively!

Discounts on Utah auto insurance

Auto insurance for a 4Runner in UtahAuto insurance companies that sell the best cheap insurance for a Toyota 4Runner in Utah may additionally offer price discounts that may potentially lower prices by as much as 30% if you are eligible. The best auto insurance companies and some of their more popular discounts are:

Car Insurance Discounts by Company
Discount Allstate Geico Progressive State Farm Liberty Mutual
Bundle discount Yes Yes Yes Yes Yes
Multiple vehicles No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes Yes
Passive restraint Yes Yes No Yes Yes
Running lights No Yes No Yes No
New car Yes No No Yes No
Hybrid vehicle Yes No No No Yes
Safe driver Yes Yes Yes Yes No
Defensive driver Yes Yes Yes Yes No
Armed forces No Yes Yes Yes No
Professional affiliation No Yes No No Yes
Paid in full Yes Yes Yes No Yes
Paperless billing Yes Yes Yes No Yes
Brand loyalty No No Yes Yes No
Early signing Yes No No No No
Good student Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes
Own home No No Yes No No
Use seat belts No Yes No No No
Get Quotes Go

The information below shows the difference between insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or driving citations, Utah state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, multiple policy, vehicle safety, anti-theft, accident-free, and defensive driving course discounts applied. When these discounts are applied, the the average amount saved on auto insurance for a Toyota 4Runner is 39% or $712.