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TOYOTA 4RUNNER 2016 Car Insurance

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The 2016 Toyota 4Runner is a rugged body-on-frame SUV built for off-roading and long-term reliability. Favored by adventure and towing enthusiasts, it combines strong off-road capability with Toyota's well-known durability.

TOYOTA 4RUNNER 2016 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2016 Toyota 4Runner fluctuate slightly but follow an overall upward trend, moving from $1123 to $1309. Despite a brief dip in 2023, the average premium rises about 17% over the period.

To find the best insurance for your TOYOTA 4RUNNER 2016 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TOYOTA 4RUNNER 2016 cost in Quebec?

Premiums are highest for the 2016 4Runner in Montreal ($1745) and Terrebonne ($1700), while Lévis ($884) and Saguenay ($889) show the lowest amounts. Quebec City ($1002) and Longueuil ($1256) fall in a mid-range bracket.

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
LÉVIS $883.99
LONGUEUIL $1256.24
MONTRÉAL $1843.63
QUÉBEC $962.42
Saguenay $889.44
TERREBONNE $1700.4

Frequently asked questions (FAQ)

How much does insurance cost for a 2016 Toyota 4Runner?
The average premium for a 2016 Toyota 4Runner is $1309 in 2026, after reaching $1348 in 2025. This amount can vary based on city and driver profile.
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.
Have premiums for the 2016 4Runner changed much since 2021?
Yes, though irregularly. The premium rose from $1123 in 2021 to $1348 in 2025, before dipping slightly to $1309 in 2026 — an overall increase of about 17%.
Which cities offer the lowest insurance costs for the 2016 4Runner?
Based on the data provided, Lévis ($884) and Saguenay ($889) post the lowest average premiums for this vehicle.
Why is Montreal's premium higher for this vehicle?
Montreal ($1745) shows a noticeably higher premium than Lévis or Saguenay, due to greater traffic density and higher claim frequency in urban areas.
What factors influence the premium for an SUV like the 4Runner?
Vehicle weight, off-road usage, parts costs, and theft risk associated with SUVs can all influence the insurance premium.
How can I lower my premium for a 2016 4Runner?
Comparing quotes from several insurers, maintaining a clean driving record, and bundling auto with home insurance remain effective ways to reduce premiums.

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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: 08/14/2026

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