Save Money on Toyota 4Runner Insurance in Phoenix

Insurance for Toyota 4RunnerWant to learn a better way to compare lower-priced Toyota 4Runner insurance in Phoenix? Are you burned out from robbing Peter to pay Paul to keep your car insured? You are no different than many other Arizona consumers.

Unbelievably, a large majority of drivers have bought car insurance from the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Arizona consumers can save up to $700 each year, but they just assume it’s a time-consuming process to do a rate comparison.

Lots of car insurance companies contend for your business, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate possible on Toyota 4Runner insurance in Phoenix.

It’s a good habit to get comparison quotes before your policy renews because prices change quite often. Despite the fact that you may have had the lowest rates on Toyota 4Runner insurance in Phoenix a couple years back other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

The quickest method we recommend to compare rate quotes for Toyota 4Runner insurance in Phoenix utilizes the fact most larger insurance companies participate in a system to compare rate quotes. To begin a comparison, all you need to do is provide details such as if it has an anti-theft system, driver ages, if a SR-22 is needed, and whether you drive to work or school. Those rating factors is submitted instantly to many highly-rated insurers and they respond with quotes instantly to find the best rate.

To get price quotes for your Toyota 4Runner now, click here and complete the quick form.

The following companies are our best choices to provide free rate quotes in Phoenix, AZ. If multiple companies are shown, it’s a good idea that you get rates from several of them to get the most competitive price.


Toyota 4Runner Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $156 $198 $260 $16 $78 $708 $59
4Runner SR/5 2WD $126 $208 $244 $14 $74 $666 $56
4Runner Sport 4WD $262 $390 $254 $16 $76 $998 $83
4Runner SR/5 4WD $164 $262 $240 $14 $72 $752 $63
4Runner Trail Edition 4WD $262 $456 $344 $20 $102 $1,184 $99
4Runner Limited 2WD $292 $460 $254 $16 $76 $1,098 $92
4Runner Limited 4WD $266 $424 $262 $16 $78 $1,046 $87
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific location which can influence prices greatly.

Safe drivers Phoenix pay cheaper rates

The information below illustrates how violations and at-fault fender-benders influence Toyota 4Runner annual premium costs for each different age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Toyota 4Runner insurance premiums by gender and age

The chart below illustrates the comparison of Toyota 4Runner insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Policy deductibles

One of the most common auto insurance questions is which deductible level should you buy. The figures shown below outline the rate fluctuation when you choose different coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.


Toyota 4Runner insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $292 $382 $254 $16 $76 $1,045 $87
4Runner SR/5 2WD $292 $466 $254 $16 $76 $1,129 $94
4Runner Sport 4WD $292 $466 $254 $16 $76 $1,129 $94
4Runner SR/5 4WD $292 $466 $254 $16 $76 $1,129 $94
4Runner Trail Edition 4WD $324 $548 $254 $16 $76 $1,243 $104
4Runner Limited 2WD $324 $548 $254 $16 $76 $1,243 $104
4Runner Limited 4WD $324 $548 $254 $16 $76 $1,243 $104
Get Your Own Custom Quote Go

Toyota 4Runner insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $212 $258 $254 $16 $76 $816 $68
4Runner SR/5 2WD $212 $314 $254 $16 $76 $872 $73
4Runner Sport 4WD $212 $314 $254 $16 $76 $872 $73
4Runner SR/5 4WD $212 $314 $254 $16 $76 $872 $73
4Runner Trail Edition 4WD $236 $370 $254 $16 $76 $952 $79
4Runner Limited 2WD $236 $370 $254 $16 $76 $952 $79
4Runner Limited 4WD $236 $370 $254 $16 $76 $952 $79
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can impact insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $22 more each month or $264 for a full year than quoting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 18 months between claims, you would come out ahead if you opt for a higher deductible. The table below shows how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $97
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Do you qualify for discounts?

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so the list below details a few of the more well known as well as the least known credits that you can use to lower your rates.Save money with discounts

Discounts lower rates, but most credits do not apply to the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky.

Larger car insurance companies and a selection of discounts are detailed below.

It’s a good idea to ask each company or agent the best way to save money. Some discounts may not apply to policyholders everywhere. To choose car insurance companies that offer the discounts shown above in Phoenix, click this link.

Toyota 4Runner Insurance Prices Can Be Cheaper

Many different elements are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are less apparent such as your marital status or how safe your car is. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that play a part in calculating the rates you pay for car insurance. If you know what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.

Local neighborhood insurance agents

A lot of people still prefer to go talk to an agent and that is recommended in a lot of cases One of the best bonuses of getting online price quotes is the fact that you can find cheap rate quotes and also buy local. Putting coverage with local insurance agents is still important in Phoenix.

Insurance agents in PhoenixAfter filling out this form (opens in new window), your coverage information is submitted to local insurance agents that can give you free Phoenix auto insurance quotes and help you find cheaper coverage. There is no need to leave your computer due to the fact that quote results will go directly to you. Get lower rates and work with a local agent. If you want to get a rate quote from a specific company, just visit that company’s website and complete a quote there.

If you want a reliable insurance agency, it helps to know the two types of insurance agents and how they operate. Auto insurance agents in Phoenix can either be independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

These agents are normally appointed by many insurers so they can write business with many different companies and find you the best rates. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies. If you need lower rates, it’s a good idea to get rate quotes from multiple independent agents to maximize your price options.

Featured below is a list of independent insurance agencies in Phoenix that can give you free price quotes.


5720 N 27th AvePhoenix, AZ 85017(602) 242-5303View Map


919 N 1st StPhoenix, AZ 85004(602) 264-0566View Map


11022 N 28th Dr Suite 125Phoenix, AZ 85029(602) 564-0880View Map

View more Phoenix agents

Exclusive Insurance Agents

Agents of this type can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. They are usually well trained on the products they sell which helps offset the inability to provide other markets.

Shown below are Phoenix exclusive agents who can help you get rate quotes.


243 W Portland StPhoenix, AZ 85003(602) 277-2687View Map


1704 W Bethany Home RdPhoenix, AZ 85015(602) 249-1037View Map

Lula Smith – State Farm Insurance Agent
7217 S Central AvePhoenix, AZ 85042(602) 232-0793View Map

View more Phoenix agents

Finding the right auto insurance agent is decision based upon more than just a cheap price. Get answers to these questions too.

Don’t give up on affordable rates

The cheapest Toyota 4Runner insurance in Phoenix is attainable online and from local insurance agents, so you need to quote Phoenix auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agencies.

Throughout this article, we presented quite a bit of information on how to find lower-cost Toyota 4Runner insurance in Phoenix. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices are with the smaller companies. They may often insure only within specific states and give better rates than their larger competitors like Allstate, GEICO and Progressive.

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