What is the average life expectancy of a Toyota 4Runner?

The Toyota 4Runner has a well-earned reputation for longevity, often surpassing 200,000 miles with routine maintenance — and some pushing past 300,000 miles with exceptional care. A recent Reddit discussion among 4Runner owners echoed these claims, with several users sharing high-mileage success stories. One user stated they owned “3 4runners. My 4th gen had 275k, my 3rd gen had 350k and my 2nd gen has 290k. It's not uncommon. They'll go the distance if you take care of them." Another user pointed out that engine durability isn’t usually the limiting factor — it’s things like transmission wear, suspension fatigue and rust that tend to determine how long a 4Runner stays on the road. There’s no exact mileage cap on a well-maintained 4Runner, but staying on top of routine maintenance, addressing small issues before they turn into major repairs can help extend its lifespan significantly.

How can I save money on Toyota 4Runner insurance?

If you’re looking to cut down on your Toyota 4Runner’s insurance costs, start by shopping around for quotes — rates can vary a lot between insurers. Bundling your auto policy with home or renters insurance can unlock discounts, and keeping a clean driving record usually works in your favor as well. Raising your deductible is another way to lower your premium, but just make sure you can cover that amount if you ever need to file a claim.

Is a 4Runner expensive to insure?

Average 4Runner insurance costs are pretty close to the national average. For full coverage, the average cost of coverage is 9 percent less than the national average. Minimum coverage costs are 2 percent less. The 4Runner's high safety ratings and relatively affordable repairs help keep costs down, while high replacement costs, even for older models, may elevate rates.

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Toyota 4Runner car insurance: cost and quotes

Written by

Ashlyn Brooks

Edited by

Amelia Buckley

Edited by

Amelia Buckley

Updated Mar 27, 2025

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How much does it cost to insure a Toyota 4Runner?

On average, full coverage for a Toyota 4Runner costs $2,429 per year, or $202 per month.

However, regardless of the make and model of your vehicle, your overall insurance costs will vary depending on several factors unique to you, such as your driving record, credit history (in most states), where you live and your coverage selections.

Looking at average 4Runner rates can be a good starting place for finding cheap coverage. When it comes to the 4Runner, good safety ratings can help you save on your premium, while specialized off-road suspension systems and assumed off-road use may increase your rate.

$2,429 Avg annual full coverage
insurance premium

$784 Avg annual min coverage
insurance premium

2025 MSRP: From $40,770

Trims available: SR5, TRD Sport, TRD Off-Road, Limited, Platinum, TRD Pro, Trailhunter (i-FORCE MAX and Premium packages available in select trims)

Repair Costs

Toyotas are some of the most popular vehicles on the market, so repairs are generally accessible. This can help bring down the price of coverage, but tariffs may increase the cost of imported parts in the near future.

Safety Features

Toyota's driver assistance features can help avoid accidents. The Safety Connect feature is an added cost but may help boost safety even further.

Crash ratings

The 4Runner isn't an IIHS Top Safety Pick like many other Toyotas, and its safety ratings have decreased in recent years, but it still performs fairly well in crash tests.

Cheapest car insurance companies for a Toyota 4Runner

Finding the most affordable auto insurance for a 4Runner often starts with comparison shopping. Some insurers could offer better rates for off-road-capable vehicles, while others provide discounts for features like automatic emergency braking or multi-policy bundling.

How much does it cost to insure my Toyota 4Runner?

These average rates from top companies are a good place to start, but note that your rates will vary based on your personal rating factors, especially your driving record and location.


American National	$956	- $1,473
Countryway	$975	- $1,454
Oregon Mutual	$1,035	- $1,394
MMG	$1,068	- $1,361
Hastings Mutual	$1,121	- $1,308

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Other car insurance coverage for a Toyota 4Runner

While saving money on car insurance is great, the cheapest insurance isn’t always the best — especially when driving an SUV built for adventure. Minimum state-required coverage will keep you compliant with the law, but it might not be enough if your 4Runner is stolen or damaged in an accident. Here are some coverage options to consider:

Comprehensive coverage: This covers theft, vandalism, fire and non-collision damage — including hitting an animal — which may be especially worth it if you often drive in remote areas.
Collision coverage: This and comprehensive make up a standard full coverage policy. Collision covers repair or replacement costs for your 4Runner if you're involved in a crash, regardless of fault.
Gap insurance: Even though 4Runners hold their value well, if you’re financing or leasing, this covers the difference between what you owe and your vehicle’s depreciated value if the car is totaled or stolen and nonrecoverable.
Custom parts and equipment coverage: If you’ve added modifications like lift kits, rock sliders or winches, this coverage helps financially protect aftermarket upgrades.

How to get a Toyota 4Runner car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Toyota 4Runner with other similar cars

Curious how the 4Runner stacks up against its closest competitors? Here’s a side-by-side look at key factors like price, safety ratings and insurance costs for the Jeep Grand Cherokee and Chevrolet Tahoe.

Toyota 4Runner Avg annual full coverage premium $2,429 Read More	Jeep Cherokee Avg annual full coverage premium $2,700 See more models	Chevrolet Tahoe Avg annual full coverage premium $2,682 See more models
Latest base trim Price (MSRP):
From $40,770	From $36,495	From $59,000
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
4 stars	5 stars	4 stars
Gas mileage
17 combined city/hwy mpg	21-23 combined city/hwy mpg	16-17 combined city/hwy mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Better than average	Average	Average

Frequently asked questions

The Toyota 4Runner has a well-earned reputation for longevity, often surpassing 200,000 miles with routine maintenance — and some pushing past 300,000 miles with exceptional care.

A recent Reddit discussion among 4Runner owners echoed these claims, with several users sharing high-mileage success stories. One user stated they owned “3 4runners. My 4th gen had 275k, my 3rd gen had 350k and my 2nd gen has 290k. It's not uncommon. They'll go the distance if you take care of them."

Another user pointed out that engine durability isn’t usually the limiting factor — it’s things like transmission wear, suspension fatigue and rust that tend to determine how long a 4Runner stays on the road.

There’s no exact mileage cap on a well-maintained 4Runner, but staying on top of routine maintenance, addressing small issues before they turn into major repairs can help extend its lifespan significantly.
If you’re looking to cut down on your Toyota 4Runner’s insurance costs, start by shopping around for quotes — rates can vary a lot between insurers. Bundling your auto policy with home or renters insurance can unlock discounts, and keeping a clean driving record usually works in your favor as well. Raising your deductible is another way to lower your premium, but just make sure you can cover that amount if you ever need to file a claim.
Average 4Runner insurance costs are pretty close to the national average. For full coverage, the average cost of coverage is 9 percent less than the national average. Minimum coverage costs are 2 percent less. The 4Runner's high safety ratings and relatively affordable repairs help keep costs down, while high replacement costs, even for older models, may elevate rates.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: Toyota 4Runner, Jeep Grand Cherokee, Chevrolet Tahoe and Toyota Camry (base).
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.