How Much is Auto Insurance for a Toyota 4Runner in Laredo?

Buying the cheapest auto insurance for a Toyota 4Runner relies on a complicated formula that considers factors such as your marital status, whether or not you have filed claims in the past, and the level of deductible you choose. Drivers in Texas pay around $1,009 a year for 4Runner insurance, but that cost is an approximation calculated using a 50-year-old single female driver with full physical damage coverage and $500 deductibles.

This brings up the issue that more than likely you may not be 50 years old (or even female), married instead of single, or maybe you just want liability only instead of full coverage. Everyone has unique insurance needs, and this illustrates why the best way to find affordable rates for your Toyota is to put in the effort to do a thorough rate comparison. Quotes only take a few minutes and you will receive prices from the best auto insurance companies available.

Compare Toyota 4Runner Insurance Rates

Vehicle trim level will most likely have an effect on the cost of insurance, so the price you pay to insure a 4Runner Sport 2WD will be $166 cheaper than the price to insure the fancier 4Runner Limited 4WD model, as shown below.

Toyota 4Runner Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $232 $322 $366 $22 $110 $1,052 $88
4Runner SR/5 2WD $232 $392 $366 $22 $110 $1,122 $94
4Runner Sport 4WD $232 $392 $366 $22 $110 $1,122 $94
4Runner SR/5 4WD $232 $392 $366 $22 $110 $1,122 $94
4Runner Trail Edition 4WD $258 $462 $366 $22 $110 $1,218 $102
4Runner Limited 2WD $258 $462 $366 $22 $110 $1,218 $102
4Runner Limited 4WD $258 $462 $366 $22 $110 $1,218 $102
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in specific zip code location which can change price quotes considerably.

Comparing rates for cost effective car insurance is hard enough, and finding out which company offers the cheapest car insurance rates for a Toyota 4Runner will involve a little more work. Each company uses their own method for determining rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Laredo, TX.

Keep in mind that Texas car insurance rates are influenced by many factors that can increase the cost of having a policy. This price variation is why it is important to compare lots of rates when trying to get the most affordable car insurance quotes for a Toyota 4Runner. Car insurance prices are calculated by many different factors and can change without notice, so the most economical company three years ago may now not even be in the top five.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,244
5 Esurance $1,421
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,565
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,775
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,672
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Travelers offers some of the most affordable car insurance rates in Laredo at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the most economical Laredo, TX auto insurance companies.

In the above rates, if you are a customer of Germania Mutual and switched to Travelers, you may realize annual savings of approximately $234. Drivers with Esurance could save as much as $411 a year, and California Casualty insureds might see rate reductions of $428 a year.

Understand that those rates are averages across all drivers and vehicles in Texas and and are not calculated with an exact zip code location for a Toyota 4Runner. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies shown above. That emphasizes why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The example below illustrates how your deductible choice can increase or decrease insurance costs when quoting cheap insurance for a Toyota 4Runner. The data assumes a single female driver, full coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could lower rates by $376 a year by increasing from a $100 deductible to a $500 deductible, or save $568 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could potentially save as much as $946 or more just by choosing higher deductibles. If you do raise deductibles, it will be important to have enough in a savings account to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Why it’s important to shop around

Laredo car insurance rates are calculated based on many things that control the policy premium. Simply improving your credit, buying a different home, or getting a reckless driving citation may cause policy rate changes resulting in some companies being more affordable than the competition. Additionally, auto insurance companies file new Texas auto insurance rates as often as every quarter to ensure their profitability. An unexpected high level of claims may result in more expensive prices, while long-term profits may cause cheaper 4Runner insurance rates.

For instance, the data below analyzes the cheapest car insurance in Laredo, TX for a 35-year-old female driver with no accidents, a clean driving record, and great credit. If we compare prices based on her current risk profile, Travelers may offer the best car insurance rates in Laredo at $1,257 per year. This is $647 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the most affordable Laredo, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first set of rates a couple of claims, bad credit, and a traffic citation. Since every insurance provider has a different formula to determine rates, comparing quotes could result in a new list of affordable companies as shown below.

State Farm now has the best car insurance rate in Laredo with Mercury, USAA, Nationwide, and Safe Auto now rounding out the top five. This illustrates why it is important to spend some time comparing rates to find the lowest insurance quotes for a Toyota 4Runner. Rates are determined by many factors and can decrease or increase without notice, so the most economical option six months ago may now be wasting a lot of money.