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TOYOTA 4RUNNER Car Insurance

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The Toyota 4Runner is a rugged, off-road-capable SUV known for its reliability and towing capacity. It appeals to active drivers seeking a durable vehicle that can handle challenging terrain while offering generous interior space.

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

From 2021 to 2026, premiums for the Toyota 4Runner fluctuate before rising sharply, moving from $1284 in 2021 to a peak of $2512 in 2025, then easing to $1959 in 2026. This variation reflects periodic market adjustments rather than a steady linear trend.

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

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

Differences between cities are significant: Montreal shows the highest premium ($6840), followed by Repentigny ($3362) and Laval ($2677), while Drummondville ($604) and Lévis ($884) post the lowest amounts among the 13 cities provided.

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
DRUMMONDVILLE $603.86
GATINEAU $1947.10
LAVAL $2676.76
LÉVIS $883.99
LONGUEUIL $1855.40
MONTRÉAL $6840.29
QUÉBEC $1923.62
REPENTIGNY $3361.56
Saguenay $1281.29
SAINT-JEAN-SUR-RICHELIEU $1301.31
SHERBROOKE $1350.09
TERREBONNE $2182.92
TROIS-RIVIÈRES $1458.43

Frequently asked questions (FAQ)

How much does insurance cost for a Toyota 4Runner?
The average premium varies significantly by year, ranging from $1168 in 2022 to $2512 in 2025, with a value of $1959 in 2026 based on available data.
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 did the 4Runner's premium spike to $2512 in 2025?
A temporary rise in repair costs, replacement value, or claims linked to this model may explain this peak, before easing back to $1959 in 2026.
Which city has the highest insurance cost for the 4Runner?
Based on the data provided, Montreal shows the highest premium at $6840, well above other cities like Repentigny ($3362) or Laval ($2677).
Where is 4Runner insurance most affordable?
Drummondville ($604) and Lévis ($884) show the lowest average premiums among the analyzed cities.
Do 4Runner premiums follow a stable trend?
No. Data from 2021 to 2026 shows significant fluctuation, with a 2025 peak of $2512, rather than a steady linear progression.
How can I lower my 4Runner insurance premium?
Comparing quotes from several insurers and checking regional differences, which can exceed $6000 between certain cities, often helps find a more favorable premium.

Offers received by our customers on TOYOTA 4RUNNER cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026