Insurance for Toyota 4RunnerWant to know how to find lower-priced Toyota 4Runner insurance in Indianapolis? There isn't anyone who likes paying for auto insurance, in particular when they could find better rates elsewhere.

Inconceivable but true, the vast majority of consumers have purchased from the same company for four years or more, and 38% of drivers have never compared rates with other companies. With the average auto insurance premium being $1,389, Indianapolis drivers could save an average of 55% each year by just comparing quotes, but most undervalue the large savings they would see if they swap their current policy for a cheaper one. Due to the increasing number of insurance companies to choose from that have lower-cost insurance for a Toyota 4Runner in Indianapolis, it's nearly impossible to choose the cheapest insurance company.

The companies shown below provide free quotes in Indiana. If multiple companies are shown, we recommend you click on several of them to get the cheapest price.

Toyota 4Runner Insurance Price Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $188 $250 $224 $14 $68 $744 $62
4Runner SR/5 2WD $188 $304 $224 $14 $68 $798 $67
4Runner Sport 4WD $172 $288 $270 $16 $80 $826 $69
4Runner SR/5 4WD $234 $450 $270 $16 $80 $1,050 $88
4Runner Trail Edition 4WD $246 $428 $322 $20 $96 $1,112 $93
4Runner Limited 2WD $264 $422 $244 $14 $72 $1,016 $85
4Runner Limited 4WD $262 $504 $250 $14 $76 $1,106 $92
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in vehicle garaging location which can influence coverage rates substantially.

Raise deductibles and save

A question often asked by Indianapolis drivers is what deductibles to buy. The tables below approximate the price difference of buying low and high insurance deductibles. The first rate quote example uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Toyota 4Runner insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $244 $300 $238 $14 $72 $893 $74
4Runner SR/5 2WD $244 $366 $238 $14 $72 $959 $80
4Runner Sport 4WD $244 $366 $238 $14 $72 $959 $80
4Runner SR/5 4WD $244 $366 $238 $14 $72 $959 $80
4Runner Trail Edition 4WD $272 $430 $238 $14 $72 $1,051 $88
4Runner Limited 2WD $272 $430 $238 $14 $72 $1,051 $88
4Runner Limited 4WD $272 $430 $238 $14 $72 $1,051 $88
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Toyota 4Runner insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $152 $188 $238 $14 $72 $664 $55
4Runner SR/5 2WD $152 $230 $238 $14 $72 $706 $59
4Runner Sport 4WD $152 $230 $238 $14 $72 $706 $59
4Runner SR/5 4WD $152 $230 $238 $14 $72 $706 $59
4Runner Trail Edition 4WD $168 $270 $238 $14 $72 $762 $64
4Runner Limited 2WD $168 $270 $238 $14 $72 $762 $64
4Runner Limited 4WD $168 $270 $238 $14 $72 $762 $64
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific location which can increase or decrease prices greatly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $22 more each month or $264 every year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 34 months between claim filings, you would probably save some money if you decide on a higher deductible. The table below shows how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One important caveat is that higher deductibles means you will have to cover more of the damage yourself at claim time. That will require enough extra money in the event you have to pay the deductible for vehicle repair.

Choosing deductibles

The information below illustrates how your deductible choice and can affect Toyota 4Runner insurance rates for different categories of driver ages. Data assumes a married male driver, full coverage, and no discounts are applied.

Toyota 4Runner annual premiums for males versus females

The information below visualizes the comparison of Toyota 4Runner premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Save money by applying these seven discounts

Insurance is not inexpensive, but you might be missing out on some discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but once in a while a discount must be requested specifically before you get the savings.Discount insurance

One thing to note about discounts is that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, it's just not the way it works.

To find insurers with the best Toyota 4Runner insurance discounts in Indianapolis in Indianapolis, click here.

Why do I need car insurance?

Even though it's not necessarily cheap to insure a Toyota in Indianapolis, insurance serves several important purposes.

The benefits of buying enough insurance are without a doubt worth the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $830 a year so you should quote and compare rates at least once a year to ensure rates are inline.

Which is the best insurance?

When it comes to adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different.Drive safe and save

Here are some questions about coverages that might help in determining if you would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance agencies can find coverage gaps

A lot of people prefer to get advice from a local agent and there is nothing wrong with that. Professional insurance agents can answer important questions and give you someone to call. One of the benefits of price shopping on the web is that drivers can save money and get better rates but also keep your business local. Putting coverage with local agencies is definitely important in Indianapolis.

Find insurance agent in IndianapolisTo help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to participating agents in Indianapolis that give free quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent on your own as quotes are delivered to your email. If you need to compare rates from a specific insurance provider, you can always navigate to their website and complete a quote there.

When looking for a local agent, you should know the different types of agents and how they function. Insurance agents in Indianapolis can be classified as either independent or exclusive. Either one can properly insure your vehicles, but it is a good idea to know how they differ since it could factor into your selection of an agent.

Independent Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies so they can quote policies through many companies and find the cheapest rate. If you want to switch companies, they simply move your policy to a different company and you don't have to find a new agent.

When comparing rates, we highly recommend that you include rate quotes from at a minimum one independent agency for maximum quote selection.

Listed below is a list of independent agents in Indianapolis who can help you get competitive price quotes.

Affordable Insurance Agency
10 S Mickley Ave - Indianapolis, IN 46241 - (317) 484-9195 - View Map

8365 Keystone Crossing #202 - Indianapolis, IN 46240 - (317) 334-3743 - View Map

4030 S Emerson Ave E - Indianapolis, IN 46203 - (317) 787-4995 - View Map

More Indianapolis agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are very knowledgeable on their company's products which helps them compete with independent agents.

Listed below are Indianapolis exclusive agencies who can help you get comparison quotes.

6437 Rucker Rd b - Indianapolis, IN 46220 - (317) 253-4300 - View Map

1480 W Southport Rd c - Indianapolis, IN 46217 - (317) 888-5200 - View Map

6124 N College Ave - Indianapolis, IN 46220 - (317) 255-2700 - View Map

More Indianapolis agents

Finding the right auto insurance agent needs to be determined by more than just the bottom line cost. Any good agent in Indianapolis should know the answers to these questions.

Car insurance policy specifics

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your 4Runner resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your 4Runner to bring the cost down.

Liability insurance

This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/10 that translate to $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, legal defense fees and attorney fees. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. Indiana requires minimum liability limits of 25/50/10 but drivers should carry higher limits.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota 4Runner.

Since many Indiana drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, damage from a tornado or hurricane, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, prosthetic devices, pain medications, funeral costs and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay