1989 Toyota 4Runner - car insurance quotes

How much does it cost to insure a  Toyota 4Runner 4Runner 2.365 cc in 2023?

---

The average insurance rate is at $1,277 per year for  adults, $2,119 for  teens and $1,060 for  senior drivers.

How much does 1989 Toyota 4Runner car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Toyota 4Runner (4Runner) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Toyota 4Runner is above $89 a month ($1.064 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Toyota you drive (https://www.toyota.com/usa/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Toyota model with 114 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Toyota 4Runner if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 1989 Toyota 4Runner is $89 a month, which is around $1.064 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 35-year-old classic car?

If you are an owner of 35-years-old Toyota 4Runner classic car, you are a happy holder of a collector's, historic, vintage or even antique car. Older vehicles are typically cheaper to insure because they are less valuable than newer models. This, unfortunately, does not apply to classic, special and historic cars older than 35 years, such as Toyota 4Runner made in 1989. How can you lower the cost of your classic car insurance? Limit your mileage and increase your security! Most collectible, antique and classic vehicles are poorly protected against theft. Buy and install a tracking device, alarm or anti-theft system into your 1989 4Runner. Given that collector and historic automobiles are not just "consumer" vehicles, it is very important to buy a specialised classic car insurance policies to protect these antique vehicles against damage, vandalism and the increased risk of theft.

---

Toyota 4Runner, 4Runner has engine power of 2365 cc, which means it is a medium-powered classic car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your historic or collector's vehicle, be sure you buy one that isn't a high performer. There are some factors to consider when insuring a classic car. Cost of sourcing parts for your model of 1989 Toyota 4Runner as well as the cost of repairs. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for antique car insurance coverage, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Compare 1989 Toyota 4Runner car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Toyota, 4Runner is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Toyota (made in 1989) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Toyota 4Runner auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 1989 Toyota 4Runner in 2023? As you can see below, the lowest rates are around $946, while the highest ones fluctuate around $1986.6 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$1,007
American Family	$984
Erie	$983
Progressive	$1,158
State Farm	$1,275
Auto Owners	$1,133
State Auto	$1,343
Nationwide	$1,306
Farmers	$1,140
Allstate	$1,617
Safe Auto	$1,711
MetLife	$1,826
Victoria	$1,937
Allied	$1,367
Liberty Mutual	$1,630
Encompass	$2,029
* Just a rough estimate for 1989 Toyota 4Runner, 4Runner

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model 4Runner, make Toyota) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Toyota, 4Runner will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 1989 4Runner car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 1989 Toyota 4Runner auto insurance rates by state!

How to calculate premium for Toyota 4Runner (1989) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 1989 4Runner (4Runner) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$710	$993
2	Ohio	$719	$1,012
3	Idaho	$738	$1,041
4	Virginia	$766	$1,088
5	Iowa	$795	$1,126
6	New Hampshire	$832	$1,145
7	Wisconsin	$842	$1,173
8	North Dakota	$861	$1,239
9	Indiana	$880	$1,305
10	North Carolina	$899	$1,353
11	Pennsylvania	$908	$1,428
12	Utah	$927	$1,447
13	Maine	$937	$1,476
14	Massachusetts	$955	$1,504
15	Alaska	$965	$1,523
16	Tennessee	$974	$1,561
17	South Dakota	$984	$1,646
18	Nebraska	$993	$1,693
19	Minnesota	$1,003	$1,722
20	Illinois	$1,003	$1,750
21	Hawaii	$1,012	$1,788
22	Alabama	$1,022	$1,816
23	Oregon	$1,031	$1,845
24	Missouri	$1,041	$1,911
25	Washington	$1,088	$1,977
26	South Carolina	$1,097	$2,024
27	Kansas	$1,126	$2,062
28	New Mexico	$1,145	$2,110
29	Arizona	$1,173	$2,129
30	New York	$1,192	$2,138
31	National average	$1,230	$2,166
32	New Jersey	$1,249	$2,233
33	West Virginia	$1,287	$2,251
34	Mississippi	$1,315	$2,280
35	Maryland	$1,343	$2,308
36	Montana	$1,381	$2,356
37	Nevada	$1,410	$2,374
38	Arkansas	$1,428	$2,412
39	Kentucky	$1,438	$2,450
40	Oklahoma	$1,485	$2,479
41	Wyoming	$1,514	$2,497
42	Colorado	$1,551	$2,545
43	Texas	$1,580	$2,564
44	Delaware	$1,618	$2,602
45	Georgia	$1,656	$2,611
46	California	$1,693	$2,639
47	DC	$1,722	$2,658
48	Connecticut	$1,760	$2,687
49	Rhode Island	$1,778	$2,696
50	Florida	$1,807	$2,753
51	Louisiana	$1,845	$2,791
52	Michigan	$1,883	$2,838
* Compare 1989 Toyota 4Runner car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 1989 Toyota 4Runner (electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, 3600 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Toyota 4Runner annual insurance cost for a 16 year old is approximately $2175.8, while the cost of the same coverage for seniors aged 70 - 74 is $1002.76. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Toyota, 4Runner have 2365 cc, 114 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$2,081
20 - 24	$2,024
25 - 29	$1,703
30 - 34	$1,466
35 – 39	$1,183
40 – 44	$1,230
45 – 49	$1,126
50 – 54	$984
55 – 59	$1,211
60 – 64	$1,012
65 – 69	$1,060
70 – 74	$955
75 and more	$984
* Rough estimate for teens, adults and seniors who are driving Toyota 4Runner (1989)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $804 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Toyota, 4Runner good for senior drivers? If you have questions or issues relevant to Toyota 4Runner or another vehicle, please ask in the discussion.

You know you need to insure your 1989 4WD Toyota, 4Runner, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Toyota 4Runner: Exterior Specs, Features & Options

The engine of Toyota, 4Runner (4 cyl) is mated to a electronically controlled automatic, semi-automatic, continuously variable transmissions (CVTs) transmission, that in this case, sends power to the 4WD. 4Runner SUV, 2365 CC (liter), 114 ps (98.6% of a brake horsepower) is matched to an 4Runner for 1989. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Toyota, 4Runner has horsepower of 114 ps & 2365 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 4Runner has an engine torque of 192 nm & 3600 rpm. The power and maximum speed of the Toyota 4Runner vehicle (sorry, we do not know how fast will Toyota, 4Runner accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Toyota, 4Runner Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1600 kg is the weight of this model), its engine torque and the engine rotation speed.