Who Has Cheap Sacramento Car Insurance for a Toyota 4Runner?

Finding the best cheap coverage for a Toyota 4Runner relies on a large number of factors such as your birth date, your credit rating, and driving citations. California drivers pay approximately $1,160 per year for 4Runner insurance, but that price is an approximation calculated using a 30-year-old married male driver with full coverage and $500 deductibles.

Most likely you are not 30 years old and maybe not even male, possibly single instead of married, and you want different coverage limits than the example. Not every driver requires the same auto insurance coverages, so the only real way to find affordable rates for your Toyota is to just take the time to compare rates yourself.

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The specific trim level will influence the cost of coverage, so the price you will be charged to insure a 4Runner Sport 2WD will be $198 cheaper than the insurance cost for the fancier 4Runner Limited 4WD version, as shown in the chart below.


Toyota 4Runner Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $314 $382 $376 $22 $112 $1,206 $101
4Runner SR/5 2WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Sport 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner SR/5 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Trail Edition 4WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 2WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 4WD $348 $546 $376 $22 $112 $1,404 $117
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific location information which can modify coverage rates significantly.

Finding reliable, budget car insurance is not easy, and determining which company quotes the most affordable auto insurance rates for a Toyota 4Runner will take even more perseverance. Each auto insurance company has a proprietary method to determine premium rates, so we need to take a look at the most competitive auto insurance companies in California.

Best Car Insurance Prices for Your Toyota

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 CSAA $1,222
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,433
8 Mercury $1,488
9 GEICO $1,513
10 Allstate $1,543
11 Allied $1,556
12 Progressive $1,558
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,739
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $1,966
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Wawanesa has some of the best car insurance rates in Sacramento at around $1,146 each year. This is $505 less than the average price paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide would also be considered some of the cheaper Sacramento, CA insurance companies.

In the above rates, if you have coverage with Nationwide and switched to USAA, you may realize yearly savings of in the vicinity of $108. California drivers with 21st Century may save as much as $170 a year, and Grange customers might realize rate reductions of up to $278 a year.

If you want to find out if you’re overpaying, click here to start a quote or visit any of the low-priced companies below.

Remember that these premiums are averaged for all drivers and vehicles in California and and are not calculated with an exact zip code location for a Toyota 4Runner. So the auto insurance company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

Discounts on Sacramento car insurance rates

Cheaper Sacramento, CA auto insurance for a 4RunnerInsurers that offer cheap quotes for a Toyota 4Runner may also offer policy discounts that could reduce prices by 35% or more if you meet specific criteria. Larger auto insurance companies and a summarized list of policyholder discounts can be found below.

The chart below compares insurance premiums with and without discounts being applied to the rates. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, accident-free, defensive driving course, passive restraint, homeowner, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for a Toyota 4Runner is 28% or $719.

Careless Sacramento drivers pay higher rates

The best way to enjoy the most affordable auto insurance premiums in California for a 4Runner is to drive carefully and not receive tickets or have accidents. The chart below illustrates how speeding tickets and at-fault accidents drive up car insurance costs for each different age category. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

The data in the chart shows the average cost of auto insurance per year with no violations or accidents is $2,461. Add in two speeding tickets and the average cost swells to $3,415, an increase of $955 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota 4Runner goes up to an average of $4,355. That’s an increase of $1,894, or $158 per month, just for not being more responsible behind the wheel!

Why you should be shopping around

California auto insurance rates are determined by lots of factors that may substantially change the price of coverage. Simply having another birthday, getting divorced, or getting a speeding ticket can cause premium changes resulting in some rates now being cheaper than others. Not only that, but insurers change prices as often as every quarter to reflect underwriting profits or losses. Higher than usual claims can cause higher prices, while a better loss history can result in more affordable 4Runner insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Sacramento, CA for a 40-year-old male driver with a clear driving record, no claims, and excellent credit. When comparing rates based on his personal profile, USAA may offer the best car insurance rates in Sacramento at $1,427 a year. This is $224 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the cheapest Sacramento, CA auto insurance companies.

Now we will give the driver from the above example a chargeable claim, poor credit, and a few traffic violations. Since every car insurance company uses their own method for determining rates, analyzing rate quotes could now result in a different set of the cheapest companies as shown below.

Grange now has the best price on car insurance in Sacramento, CA with Progressive, GEICO, Mercury, and Allstate now rounding out the top five. This shows why drivers need to compare as many rates as possible to get affordable car insurance rates for a Toyota 4Runner. Car insurance prices are calculated by many risk factors and change dramatically, so the cheapest company three years ago may now be one of the higher cost companies.

How to find the cheapest car insurance for a Toyota 4Runner

Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help drivers buy lower-cost coverage.

That last tip is extraordinarily valuable, as we noted in this write-up. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t be reluctant to buy from a new company if you find a cheaper price. Brand loyalty is great, but it’s not a good idea if that loyalty ends up costing lots of hard earned cash every month. Now is a great time to shop around and find cheaper auto insurance for a Toyota 4Runner in Sacramento.