2008 Toyota 4Runner - car insurance quotes

How much does it cost to insure a  Toyota 4Runner Limited 3.954 cc in 2023?

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The average insurance rate is at $2,135 per year for  adults, $3,543 for  teens and $1,771 for  senior drivers.

How much does 2008 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 (Limited) 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 $148 a month ($1.779 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 239 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 2008 Toyota 4Runner is $148 a month, which is around $1.779 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2008 Toyota 4Runner is a 16 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of 4Runner (2008) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern 4Runner cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Your vehicle's performance is another important factor that determines your auto insurance rates. Toyota 4Runner, Limited has engine power of 3954 cc, which means it's a high performance car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$1,313	$1,265
GEICO	$965	$886
Nationwide	$1,408	$1,107
Progressive	$585	$474
State Farm	$791	$585
Texas Farm Bureau	$1,313	$1,060
USAA	$1,044	$886
* Rough estimate for a new vs 16 years old used Toyota 4Runner, Limited. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2008 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 2008) 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 2008 Toyota 4Runner in 2023? As you can see below, the lowest rates are around $1581.6, while the highest ones fluctuate around $3321.36 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	$1,684
American Family	$1,645
Erie	$1,643
Progressive	$1,936
State Farm	$2,132
Auto Owners	$1,895
State Auto	$2,246
Nationwide	$2,184
Farmers	$1,906
Allstate	$2,703
Safe Auto	$2,861
MetLife	$3,052
Victoria	$3,239
Allied	$2,285
Liberty Mutual	$2,725
Encompass	$3,393
* Just a rough estimate for 2008 Toyota 4Runner, Limited

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 2008 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 2008 Toyota 4Runner auto insurance rates by state!

How to calculate premium for Toyota 4Runner (2008) 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 2008 4Runner (Limited) 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	$1,186	$1,661
2	Ohio	$1,202	$1,692
3	Idaho	$1,234	$1,740
4	Virginia	$1,281	$1,819
5	Iowa	$1,329	$1,882
6	New Hampshire	$1,392	$1,914
7	Wisconsin	$1,408	$1,961
8	North Dakota	$1,439	$2,072
9	Indiana	$1,471	$2,183
10	North Carolina	$1,503	$2,262
11	Pennsylvania	$1,518	$2,388
12	Utah	$1,550	$2,420
13	Maine	$1,566	$2,467
14	Massachusetts	$1,597	$2,515
15	Alaska	$1,613	$2,546
16	Tennessee	$1,629	$2,610
17	South Dakota	$1,645	$2,752
18	Nebraska	$1,661	$2,831
19	Minnesota	$1,676	$2,879
20	Illinois	$1,676	$2,926
21	Hawaii	$1,692	$2,989
22	Alabama	$1,708	$3,037
23	Oregon	$1,724	$3,084
24	Missouri	$1,740	$3,195
25	Washington	$1,819	$3,306
26	South Carolina	$1,835	$3,385
27	Kansas	$1,882	$3,448
28	New Mexico	$1,914	$3,527
29	Arizona	$1,961	$3,559
30	New York	$1,993	$3,574
31	National average	$2,056	$3,622
32	New Jersey	$2,088	$3,733
33	West Virginia	$2,151	$3,764
34	Mississippi	$2,198	$3,812
35	Maryland	$2,246	$3,859
36	Montana	$2,309	$3,938
37	Nevada	$2,357	$3,970
38	Arkansas	$2,388	$4,033
39	Kentucky	$2,404	$4,096
40	Oklahoma	$2,483	$4,144
41	Wyoming	$2,531	$4,175
42	Colorado	$2,594	$4,255
43	Texas	$2,641	$4,286
44	Delaware	$2,705	$4,349
45	Georgia	$2,768	$4,365
46	California	$2,831	$4,413
47	DC	$2,879	$4,444
48	Connecticut	$2,942	$4,492
49	Rhode Island	$2,973	$4,508
50	Florida	$3,021	$4,602
51	Louisiana	$3,084	$4,666
52	Michigan	$3,147	$4,745
* Compare 2008 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 2008 Toyota 4Runner (Automatic transmission, 4000 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 $3637.68, while the cost of the same coverage for seniors aged 70 - 74 is $1676.496. 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 3954 cc, 239 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	$3,480
20 - 24	$3,385
25 - 29	$2,847
30 - 34	$2,451
35 – 39	$1,977
40 – 44	$2,056
45 – 49	$1,882
50 – 54	$1,645
55 – 59	$2,024
60 – 64	$1,692
65 – 69	$1,771
70 – 74	$1,597
75 and more	$1,645
* Rough estimate for teens, adults and seniors who are driving Toyota 4Runner (2008)

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 $1,344 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 2008 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 (6 cyl) is mated to a Automatic transmission, that in this case, sends power to the 4WD. 4Runner SUV, 3954 CC (liter), 239 ps (98.6% of a brake horsepower) is matched to an Limited for 2008. 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 239 ps & 3954 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 Limited has an engine torque of 361 nm & 4000 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 (1330 kg is the weight of this model), its engine torque and the engine rotation speed.