Buying competitive auto insurance for a Toyota 4Runner is pretty simple, but it is dependent upon a large number of factors such as age of the vehicle, your geographic location, and any driving offenses on your record. Drivers will pay on average $733 each year for 4Runner insurance, but that figure is an estimation based upon a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you don’t qualify for the same discounts. Just a minor difference in rating variables may result in significant differences in the cost of a policy.
Each driver’s needs are different, and that demonstrates why the best way to find cheap car insurance rates for your Toyota is to compare as many rates as possible. Get your free quotes now and you will be able to compare rates from the cheapest companies that insure Toyota vehicles in Ohio.
The trim level of your 4Runner will be a contributing factor to the coverage cost, so the rate you pay to insure a 4Runner Sport 2WD model will be $146 less than the insurance cost for the higher-end 4Runner Limited 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $190 | $284 | $202 | $12 | $60 | $748 | $62 |
| 4Runner SR/5 2WD | $190 | $346 | $202 | $12 | $60 | $810 | $68 |
| 4Runner Sport 4WD | $190 | $346 | $202 | $12 | $60 | $810 | $68 |
| 4Runner SR/5 4WD | $190 | $346 | $202 | $12 | $60 | $810 | $68 |
| 4Runner Trail Edition 4WD | $212 | $408 | $202 | $12 | $60 | $894 | $75 |
| 4Runner Limited 2WD | $212 | $408 | $202 | $12 | $60 | $894 | $75 |
| 4Runner Limited 4WD | $212 | $408 | $202 | $12 | $60 | $894 | $75 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in garaging location in Cincinnati which can raise or lower price quotes greatly.
Choosing a highly-rated insurer is difficult considering how many companies there are in Ohio. The ranking data displayed below could help you analyze which insurers to look at shopping your coverage with.
These rankings are only comprised of large, nationwide insurance companies, so companies that focus mainly on Ohio business will not be included in these rankings. If you wish to compare prices from these top insurers and more, just click here.
Top 10 Major Car Insurance Companies in Cincinnati Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Full coverage rates compared to liability-only
Finding cheaper car insurance should be important to most vehicle owners, and one good way to buy cheaper insurance for a Toyota 4Runner is to buy liability only. The information below shows the comparison of premium costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are factored in.
If the expense is averaged for all age categories, comp and collision coverage costs an extra $1,487 per year more than buying just liability insurance. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no exact rule to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the deductible is paid. If you are currently paying more than $600 annually for full coverage, then you might consider buying liability only.
How to get discounts on Cincinnati auto insurance rates
Auto insurance companies that offer coverage for a Toyota 4Runner may also give you premium discounts that could potentially reduce rates by as much as 30% if you qualify. Companies and a summarized list of policyholder discounts are shown below.
- Farm Bureau may offer discounts for 55 and retired, multi-policy, good student, youthful driver, and renewal discount.
- State Farm discounts include safe vehicle, accident-free, multiple policy, defensive driving training, good student, anti-theft, and multiple autos.
- Progressive offers discounts including multi-vehicle, multi-policy, continuous coverage, homeowner, and online quote discount.
- Allstate has discounts for passive restraint, resident student, multi-policy, anti-theft, and senior citizen.
- Nationwide has savings for family plan, business or organization, defensive driving, accident-free, easy pay, and good student.
- MetLife policyholders can earn discounts including good driver, claim-free, accident-free, good student, and multi-policy.
The diagram below shows the difference between auto insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision 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, safe-driver, anti-theft, multiple vehicle, marriage, and multiple policy discounts applied. In this example, theaverage amount saved on car insurance for a Toyota 4Runner is 27% or $290.
Reckless driving habits raise car insurance rates
The obvious way to maintain the best car insurance premiums in Ohio for a 4Runner is to drive safe and avoid accidents and traffic citations. The diagram below highlights how traffic violations and at-fault fender-benders can affect insurance prices for different age groups. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance in Cincinnati per year with a clean driving record and no accidents is $1,135. Get written up for one speeding ticket and the average cost swells to $1,280, an increase of $145 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for a Toyota 4Runner goes up to an average of $1,678. That’s an increase of $543, or $45 per month, just for being a less-than-perfect driver!