TOYOTA 4RUNNER Car Insurance

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The Toyota 4Runner is a rugged body-on-frame SUV renowned for its legendary reliability and off-road capability. Favored by outdoor and adventure enthusiasts, it appeals to drivers seeking a durable vehicle built to handle demanding conditions.

TOYOTA 4RUNNER CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Toyota 4Runner fluctuate considerably, moving from $1233 to $1168, then spiking sharply to $2512 in 2025 before easing to $1918 in 2026. This volatility suggests punctual variations in claim costs rather than a stable linear trend.

To find the best insurance for your TOYOTA 4RUNNER vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TOYOTA 4RUNNER

How much does insurance for your TOYOTA 4RUNNER cost in Quebec?

Differences between cities are pronounced: Montreal shows the highest premium ($7211), followed by Laval ($3216), while Lévis ($884) offers the most affordable premium. Other cities, like Sherbrooke ($1350) and Saguenay ($1276), fall within a more moderate range.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
GATINEAU	$1893.78
LAVAL	$3216.00
LÉVIS	$883.99
LONGUEUIL	$1735.57
MONTRÉAL	$7210.80
QUÉBEC	$1778.72
REPENTIGNY	$2039.12
Saguenay	$1275.75
SAINT-JEAN-SUR-RICHELIEU	$1301.31
SHERBROOKE	$1350.09
TERREBONNE	$1597.42
TROIS-RIVIÈRES	$1380.08

Frequently asked questions (FAQ)

How much does insurance cost for a Toyota 4Runner?

The average premium for a Toyota 4Runner reached $2512 in 2025, before dropping to $1918 in 2026, based on available data for this model.

Have 4Runner premiums fluctuated a lot over the years?

Yes, significantly. Between 2021 and 2026, the average premium moved from $1233 to $1168, then jumped to $2512 in 2025 before dropping to $1918, indicating strong volatility rather than a steady rise.

Which city has the highest insurance cost for a Toyota 4Runner?

According to the provided data, Montreal shows the highest premium at $7211, followed by Laval at $3216, well above the other cities analyzed.

Where is the Toyota 4Runner cheapest to insure?

Lévis offers the most affordable premium, at just $884, a sharp contrast to the $7211 seen in Montreal for the same vehicle.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Why can 4Runner premiums vary so much by city?

Traffic density, claim frequency, and theft rates vary greatly by region, which explains the large gap between Montreal ($7211) and Lévis ($884).

How can I lower my premium for a Toyota 4Runner?

Comparing quotes from several insurers, especially in larger cities like Montreal, often helps uncover more competitive premiums for this type of SUV.