Finding competitive car insurance for a Toyota 4Runner in California depends on a lot of rating criteria such as driver age, your credit history, and whether or not you are a good driver. California drivers pay around $1,160 per year to insure their 4Runner, but that is an estimate calculated using a 30-year-old married male driver with full physical damage coverage and $500 deductibles.
There's a high likelihood you may not be 30 years old (or even male), possibly single instead of married, and maybe you want higher deductibles. Having the smallest difference in policy rating criteria or coverages can make a large difference in the policy rate.
Not every driver requires the same auto insurance coverages, so the only way to find the most affordable coverage for your Toyota is to compare as many rates as you can.
Vehicle trim level will be a contributing factor to the yearly cost, so the rate you pay to insure a 4Runner Sport 2WD will be $198 cheaper than the insurance cost for the more well-appointed 4Runner Limited 4WD trim level, as demonstrated by the prices below.
|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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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific location information which can impact premium rates substantially.
Establishing which companies have the best insurance rates for a Toyota 4Runner calls for more time in order to find coverage that fits your budget.
Every insurance company has a different formula to determine premium rates, so let's take a look at the insurance companies that tend to be cheaper in Santa Ana, CA.
Find the Cheapest Auto Insurance for Your Toyota
|Rank||Company||Cost Per Year|
|Find Cheaper Rates Go|
USAA quotes some of the most affordable car insurance rates in Santa Ana at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the most economical Santa Ana, CA insurance companies.
As depicted above, if you currently buy coverage from CSAA and switched to Wawanesa, you could see a yearly price reduction of about $17. Customers with Nationwide may save as much as $82 a year, and 21st Century insureds might lower prices by up to $185 a year.
To find out how your current rates compare, click here or click through to the companies below.
Be aware that those policy rates are averaged across all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for a Toyota 4Runner. So the company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Discounts on Santa Ana auto insurance rates
Insurance providers that offer cheap quotes for a Toyota 4Runner may also provide policy discounts that could potentially reduce rates by 35% or more if you meet the requirements. Large insurance companies and some of the premium reductions they offer are:
- Farm Bureau has discounts for safe driver, 55 and retired, good student, multi-policy, driver training, and renewal discount.
- MetLife offers premium reductions for claim-free, accident-free, defensive driver, multi-policy, good student, good driver
- Progressive may include discounts for online quote discount, multi-vehicle, good student, multi-policy, and continuous coverage.
- AAA may offer discounts for pay-in-full, good student, anti-theft, AAA membership discount, education and occupation, multi-policy, and multi-car.
- American Family policyholders can earn discounts including good driver, Steer into Savings, TimeAway discount, early bird, defensive driver, and accident-free.
- GEICO offers discounts including seat belt use, emergency military deployment, defensive driver, daytime running lights, and military active duty.
- State Farm has savings for accident-free, safe vehicle, student away at school, Drive Safe & Save, and good student.
The information below illustrates the comparison of insurance costs with and without discounts applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, marriage, multiple vehicle, passive restraint, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for a Toyota 4Runner is 28% or $640.
Your cheap 4Runner insurance may actually be overpriced
Santa Ana, CA insurance rates are impacted by many things that will increase or decrease the policy price. Turning one year older, getting divorced, or getting a ticket for running a stop sign may prompt premium changes that can now make some companies cheaper in comparison to the competition.
Also, insurance companies file new California auto insurance rates as needed in order to protect their financial rating. Unexpectedly high claims may result in rate hikes, while profitable underwriting may cause cheaper 4Runner insurance rates.
As an example, the bar chart below shows the company with the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with a clean driving record, no accidents, and excellent credit. If we look at prices based on his current risk profile, USAA quotes the best car insurance rates in Santa Ana at $1,215 each year. This is $436 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the best Santa Ana, CA auto insurance companies.
Now we will give the driver from the first rate comparison an accident surcharge, bad credit, and a couple of points charged on his driving record. Due to the fact that every insurance company uses their own formula to set policy rates, analyzing rate quotes will most likely result in a significantly different list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the cheapest car insurance in Santa Ana, CA with Mercury, Allstate, GEICO, and Progressive now being in the top five. This example demonstrates why it is so important to shop around when trying to get the most economical auto insurance rates for a Toyota 4Runner.
Prices are made up of many things and change dramatically, so the lowest-price company when you bought your policy may now be costing you a lot of money.
The insurance agents in Santa Ana listed below can aid you in deciding which coverage fits your budget, as some people prefer to get help from a professional when shopping for cheaper insurance for a 4Runner. It can be difficult to find the cheapest rates, so getting professional guidance from a licensed agent can bring satisfaction knowing your policy gives you enough protection.
To locate a Santa Ana auto insurance agent close to where you live, click the button at the bottom of the list.
Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303
Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423
Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334
Allstate Insurance: Pacheco and Solorzano Insurance Agency
1525 17th St d - Santa Ana, CA 92705 - (714) 542-3585
How to find the cheapest insurance for a Toyota 4Runner
The list below summarizes some penny-pinching suggestions that can help you quote more affordable car insurance.
- Bundle home and auto and earn a discount
- Remove physical damage coverage on older vehicles
- Having at-fault accidents will increase rates
- Don't have frequent claims
- Drive a car with a high safety rating
- Save money by obeying traffic laws and keeping a clean driving record
- Shop around once a year for cheaper rates
That last idea is very important, as was affirmed in the prior information. Car insurance prices can be changed at any time, so don't be hesitant to switch carriers if a more affordable rate is found.
Loyalty to a specific company is fine, but we do not recommend it if that loyalty results in overpaying lots of hard earned cash every month. In just a few minutes you could shop around to find cheaper car insurance for a Toyota 4Runner in Santa Ana.