Jeep Wrangler vs Toyota 4Runner Insurance Cost
The Toyota 4Runner is cheaper to insure by about $60 a year for full coverage by our estimate ($1,355 vs. $1,295), and cheaper in 39 of 51 states.
Side-by-side insurance estimate
| Coverage | Jeep Wrangler | Toyota 4Runner | Difference |
|---|---|---|---|
| State minimum | $675 | $535 | +$140 |
| Standard (100/300/100) | $980 | $775 | +$205 |
| Full coverage | $1,355 | $1,295 | +$60 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Wrangler minus 4Runner.
Why one costs more to insure
| Factor | Jeep Wrangler | Toyota 4Runner |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 47 | 74 |
| HLDI comprehensive | 42 | 73 |
| HLDI property damage liability | 131 | 88 |
| HLDI bodily injury liability | 109 | 76 |
| NHTSA overall rating | — | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 9 | 4 |
Collision losses are the biggest swing factor: the Toyota 4Runner has 27 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Jeep Wrangler.
Wrangler vs 4Runner insurance by state
By driver profile (full coverage)
| Driver | Wrangler | 4Runner |
|---|---|---|
| Teen driver (18, own policy) | $3,720 | $3,560 |
| Young adult (22) | $2,165 | $2,070 |
| Adult in their 30s | $1,355 | $1,295 |
| Adult in their 50s | $1,245 | $1,190 |
| Senior (72) | $1,515 | $1,450 |
| 30s, one at-fault accident | $1,960 | $1,875 |
| 30s, DUI on record | $2,505 | $2,395 |
More comparisons
Frequently asked questions
Is the Jeep Wrangler or the Toyota 4Runner cheaper to insure?
By our estimate the Toyota 4Runner is cheaper, by about $60 a year for full coverage ($1,355 vs. $1,295) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Jeep Wrangler and Toyota 4Runner?
Mostly because of insurance-loss history: HLDI collision indices of 47 vs. 74 and comprehensive indices of 42 vs. 73 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.